Lazy Portfolios
Model Portfolios
Pre-built set-and-forget portfolios with real performance data. Each uses low-cost ETFs and requires minimal rebalancing. Sorted by risk-adjusted returns (Sharpe ratio).
Risk vs. Return (5Y Annualized)
Green = Sharpe ≥ 1.0 | Yellow = 0.5-1.0 | Red < 0.5
| Portfolio | Return (5Y ann.) | Volatility | Sharpe | Max Drawdown | vs S&P 500 | Holdings |
|---|---|---|---|---|---|---|
Warren Buffett 90/10 Buffett's recommendation for his wife's trust: 90% S&P 500, 10% short-term bonds. VOO 90%SHV 10% | +11.9% | 15.2% | 0.49 | -22.2% | -0.8% | 2 |
S&P 500 (Benchmark) 100% US large-cap equities. The benchmark most active managers fail to beat. VOO 100% | +12.7% | 16.9% | 0.49 | -24.5% | +0.1% | 1 |
Nasdaq-100 Growth 100% QQQ — tech-heavy large-cap growth. High returns, high volatility. | +13.9% | 22.9% | 0.41 | -35.1% | +1.2% | 1 |
Aggressive Growth Maximum equity exposure across US and international markets. For long time horizons. | +11.9% | 18.1% | 0.41 | -28.6% | -0.8% | 3 |
Dividend Growth Focus on companies with 25+ years of consecutive dividend increases. Income + growth. NOBL 50%VIG 30%SCHD 20% | +8.8% | 13.9% | 0.31 | -18.4% | -3.9% | 3 |
Golden Butterfly Equal parts: large cap, small cap value, long bonds, short bonds, gold. Smooth returns. VTI 20%IWN 20%TLT 20%SHV 20%GLD 20% | +7.3% | 9.9% | 0.28 | -18.6% | -5.4% | 5 |
Bogleheads Three-Fund Simple diversification: US stocks + international stocks + US bonds. Jack Bogle's philosophy. VTI 40%VXUS 30%BND 30% | +7.4% | 11.9% | 0.24 | -23.3% | -5.3% | 3 |
Classic 60/40 Traditional balanced portfolio: 60% stocks, 40% bonds. The default allocation for decades. VTI 60%BND 40% | +7.1% | 11.3% | 0.23 | -21.2% | -5.6% | 2 |
Risk Parity Lite Allocate more to bonds to equalize risk contribution. Lower vol, competitive returns. VTI 25%TLT 45%GLD 15%DBC 15% | +4.1% | 10.4% | -0.04 | -22.1% | -8.6% | 4 |
Ray Dalio All Weather Designed to perform in any economic environment. Heavy bonds + commodities hedge equity drawdowns. VTI 30%TLT 40%IEI 15%GLD 7.5%DJP 7.5% | +2.8% | 9.8% | -0.17 | -23.5% | -9.8% | 5 |
What is a Lazy Portfolio?
A lazy portfolio is a set-and-forget collection of low-cost ETFs designed to perform well across various market conditions. Most consist of 2-5 funds and only need rebalancing once or twice a year. Research shows that most active managers fail to beat these simple portfolios over 10+ year periods.
Sharpe Ratio
Risk-adjusted return. Above 1.0 is excellent, 0.5-1.0 is good, below 0.5 means you're not being compensated for the risk.
Max Drawdown
The worst peak-to-trough decline. A -30% drawdown means at some point you'd have seen 30% of your portfolio value disappear.
Sortino Ratio
Like Sharpe but only penalizes downside volatility. Higher is better — it means returns are coming from upside moves, not both directions.
Build Your Own
Pick any stocks or ETFs, set your weights, and instantly backtest performance.
Build & Backtest →Guru Blend
Combine holdings from Buffett, Dalio, Burry and more into a blended portfolio.
Try Guru Blend →Past performance does not guarantee future results. These portfolios are for educational purposes only and do not constitute investment advice. Data from Yahoo Finance.