Lazy portfolio vti. It would be: 20% Vanguard Total Bond Market Index Fund - ETF = BND 32% Vanguard Total International Stock Index Fund - ETF = VXUS 40% Vanguard Total Stock Market Index Fund - ETF = VTI 8% Vanguard REIT Index Fund - ETF = VNQ I am with Fidelity and want to substitute the following funds: 20% AGG - iShares Core US Aggregate Bond ETF 32% Aug 31, 2025 · Build the JL Collins Simple Path to Wealth Portfolio with 2 ETFs. Sep 7, 2024 · Data Source: from January 1871 to February 2023 (~152 years)Consolidated Returns as of 28 February 2023Live Update: Mar 10 2023, 03:59PM Eastern Time Category: Stocks ETF: Vanguard Total Stock Market (VTI) ETF • LIVE PERFORMANCE (USD currency) 1. Farrell gives an example of a second-grader who received a $10,000 gift from his grandmother. -It will have to be Fidelity funds, or outside ETFs -Will have to fund 2 accounts: Taxable & Rollover IRA -For stocks: is it better to go with something like VTI/VOO or also add high dividend funds such as SCHD? Aug 31, 2025 · Vanguard Real Estate (VNQ): which are the historical returns and the worst drawdowns? Is it a good choice for your portfolio? Feb 18, 2023 · What is “Lazy”? Portfolio designed to perform well in variety of market conditions/long term perspective Jul 17, 2023 · What Is the Couch Potato Portfolio? Scott Burns created the Couch Potato Portfolio in 1991. Apr 17, 2024 · The takeaway I get is that it is just yet another Lazy Portfolio, and one that has indeed done very well in the past. Your lazy portfolio is all market timing and rationalizations. A reasonable allocation Nov 13, 2021 · Six investment funds are examined by looking into their efficient frontiers. For this reason, it’s also sometimes called a lazy portfolio or lazy 3-fund portfolio because it’s simple and easy to execute. It’s a fun tool, but just don’t go picking the portfolio with the rosiest backtest. Aug 31, 2025 · Looking for a passive income? Check the Bogleheads Three Funds Portfolio, and find out the current dividend yield. Apr 23, 2019 · Learn how to set up a lazy, 3 Fund Portfolio. Nov 5, 2023 · 0. Here's what you need to know to get started. The letters in brackets denote the stock symbol for the recommended ETF. Here is today's portfolio: 50% VTI Vanguard Total Stock Market ETF 10% VXUS Vanguard Total International Stock ETF 5% SCHA Schwab US Small-Cap ETF 5% . Consiting of VTI, VXUS, and BND. Introduction to Lazy Portfolios The Aug 2, 2013 · As others have said, one good option for a lazy portfolio is VTI, VXUS, and BND. The index is designed to provide investors with a comprehensive representation of the U. One crucial part of lazy investing, though, is to actually be lazy with your investments. These portfolios can be easily constructed using just a few well-chosen ETFs, making them accessible to investors of all levels, including those with limited experience. 33% TIPS (VTIP) You can find the other portfolios that Scott Burns have made further below. 060M from then with their Lazy portfolios are designed to perform well in most market conditions. 6 days ago · Bogleheads Three-fund Portfolio - asset allocation, performance, historical returns, drawdowns, sharpe ratio, and more. Any suggestions on how to build the above or similar portfolio with Irish accumulating ETFs? Aug 31, 2025 · Build the Bogleheads Three Funds Portfolio with 3 ETFs. VTI is a major component in many lazy portfolios. It is often recommended for and by Bogleheads attracted by "the majesty of simplicity" (John Bogle 's phrase), and for those who want finer control and better tax-efficiency than Most of the Lazy Portfolios feature a straightforward and minimalist asset allocation, designed to achieve broad diversification with simplicity. Apr 29, 2025 · Tax-Efficient Retirement-Saver Portfolios for Minimalist Investors These streamlined portfolios are designed to reduce investors’ oversight responsibilities and the drag of taxes. 1. You can see a listing of all the ETFs Aug 10, 2019 · Re: Super Lazy portfolio, just VSMGX? by learntogrow » Thu Mar 05, 2020 9:42 pm Quaestner wrote: Thu Feb 21, 2019 11:13 pm Ok, I'll say it. Aug 31, 2025 · Which are the best Vanguard etfs? Which asset classes do they cover? Learn how to pick them and build your perfect low cost portfolio. Aug 31, 2025 · Build the Stocks/Bonds 60/40 Portfolio with 2 ETFs. Taylor A three-fund portfolio is a portfolio which uses only basic asset classes — usually a domestic stock "total market" index fund, an international stock "total market" index fund and a bond "total market" index fund. Mar 29, 2025 · Build wealth the smart way with this low-maintenance investing strategy. May 18, 2024 · Lazy portfolio 2 (moderate risk): 20% equities (VTI or VT) / 70% bonds (BND) / 10% TIPS (VTIP) Lazy portfolio 3 (lower risk): 10% equities (VTI or VT) / 80% bonds (BND) / 10% TIPS (VTIP) Lazy portfolio 4 (radically conservative): 90% bonds (BND) / 10% TIPS (VTIP) I would reallocate each of the Lazy portfolios annually on a predetermined glide path. Backtest your portfolio with a variety of ETFs representing major asset classes, available in different currencies. Increase emergency savings funds to 6 months 2. It matches the Total US Stock Market index. 33% International All-World ex-US VEU) 33. Nov 21, 2021 · Looking to set up a 3-4 fund "LAZY PORTFOLIO" that might just require annual rebalancing, but otherwise set-and-forget. [note 1] You can find historical performance for many of the "lazy 2 days ago · The Simple Path to Wealth is a lazy portfolio proposed by JL Collins in his book The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life. Aug 31, 2025 · Build the Ray Dalio All Weather Portfolio with 5 ETFs. trueIf you want lazy and automation, mixed with aggressiveness, then invest with M1 Finance. Investing with a lazy portfolio is a situation where being lazy can actually yield positive results. The asset allocation I currently have is: VTI (Vanguard Total Stock Market ETF) - 47% VXUS (Vanguard Total International Stock Market ETF) - 32% BND - (Vanguard Total Bond Market ETF) 20% I was wondering about a version of the above but replacing VTI with VOO (Vanguard S&P 500 index ETF May 4, 2024 · Hello, if my parents had invested their $511k into a lazy 2 or 3 fund portfolio into VTI, BND, and VXUS 12/2012 what would they have now? Is there a calculator they could use? They have been drawing $24k/year distributions. Click here to see which portfolio suits your specific needs and investment target. Aug 31, 2025 · Vanguard Total World Stock (VT): which are the historical returns and the worst drawdowns? Is it a good choice for your portfolio? Nov 18, 2024 · A detailed comparison of FITLX and FZROX—Fidelity’s flagship index funds—and how they fit into a lazy portfolio strategy. More aggressive than the cookie cutter 80% VTI and 20% VXUS, hands off, and fully automated. Mar 24, 2023 · The One-Fund Lazy Portfolio There are many ways to invest in ETFs, and strategies to diversify — like a 3 fund lazy portfolio — but EFTs by nature are diversified. What will you do when small value has a good year or two? And no US growth allocation is kind of like you just tossing a coin you must see that. One question in my head has been what about VNQ (and VNQI which is the non-US one) for exposure to REITs? Apr 6, 2015 · VOO = S&P 500 index BND = Total bond index VTI = Total (US) stock index VXUS = Total international (ex-US) stock index Option 1) with all S&P 500 is probably more likely than not to end up with higher returns over the period. Jul 24, 2025 · The Bogleheads 3 Fund Portfolio is arguably the most popular lazy portfolio out there. David Swensen Lazy Portfolio - asset allocation, performance, historical returns, drawdowns, sharpe ratio, and more. The author suggests holding only one total market fund while building wealth and adding a total bond fund to the portfolio while preserving wealth. Aug 31, 2025 · Build the David Swensen Lazy Portfolio with 6 ETFs. Jan 22, 2025 · January 2024 In the last 30 Years, the Vanguard Total Stock Market (VTI) ETF obtained a 10. Feb 3, 2022 · Here is how you build Scott Burns’ Margaritaville portfolio. S. Aug 31, 2025 · Looking for a passive income? Check the Vanguard Total Stock Market (VTI), and find out the current dividend yield. Burns named it the Margaritaville Portfolio after the traditional margarita, which includes equal parts of tequila, triple sec, and lime Lazy portfolios are designed to perform well in most market conditions. Check historical data and build your income strategy. com, proposed in 1991. Access data-driven insights on stocks, ETFs, and funds to make informed financial decisions. 33. I wish i could snap my fingers and take all of that money and put it into VTI and VXUS but the capital gains will eat me up on taxes. 5 days ago · Second Grader's Starter Portfolio is a lazy portfolio by Paul Farrell. If I go with VTI/VXUS for the long haul, would I just allocate the rollover IRA + Roth IRA funds combined to make it the 70/30 split? How would this work for extra monthly salary income I have left over that I want to invest in these ETFs, just divide and buy more monthly? Lazy Portfolios: Lazy Portfolios: Simple Strategies for Long-Term Passive Investing Famous investment gurus like Warren Buffett, David Swensen and William Bernstein have proposed model portfolios that invest in ultra-low cost index ETFs or mutual funds. I was looking at 70% VTI, 20% VXUS, and 10% BND. Aug 31, 2025 · Vanguard Total Stock Market (VTI) to EUR Hedged: which are the historical returns and the worst drawdowns? Is it a good choice for your portfolio? A deeper analysis about the rolling returns of the Vanguard Total Stock Market (VTI). 5 days ago · Margaritaville Portfolio is a lazy portfolio created by Scott Burns, a popular Dallas Morning News financial columnist, in 2004. Which is the statistical and historical return of a 3 / 5 / 10 years investment? Sep 16, 2025 · David Swensen Lazy Portfolio - asset allocation, performance, historical returns, drawdowns, sharpe ratio, and more. I was on a impossible goal of achieving 1 million dollars if I invested 3500 every month for the next 5 years, ALL INTO QQQ. You can 4 days ago · The Desert Portfolio is a 3-asset lazy portfolio proposed on the forums at Gyroscopic Investing. Aug 31, 2025 · Build the Ben Stein Perfect Portfolio with 7 ETFs. Lazy portfolios are designed to perform well across various market conditions, making them a great choice for long-term Feb 10, 2024 · At market cap weights, these smaller companies comprise a little less than 20% of the entire investable U. 3. Index beats active. Aug 31, 2025 · Build the Vanguard LifeStrategy Moderate Growth Portfolio with 4 ETFs. Does this make sense to you seasoned investors? I have bond exposure elsewhere in my retirement accounts and this is just for my post tax brokerage where I am fine being aggressive. ☀️ After a challenging start, 𝐒𝐞𝐩𝐭𝐞𝐦𝐛𝐞𝐫 turned out to be positive for stock markets, contrary to the usual statistics for this period. com More lazy portfolios Beyond the simple three- and four-fund lazy portfolios are more complex portfolios. Next was the BH Lazy 3 fund, and in last place was VSMGX. This led me down the Aug 31, 2025 · Vanguard Healthcare ETF (VHT): which are the historical returns and the worst drawdowns? Is it a good choice for your portfolio? Follow the best Lazy Portfolios and build them with ETFs. Which are the asset classes with the highest returns? Find out and use them to build your perfect lazy portfolio with ETFs. Jun 30, 2024 · This line of thinking led me to books and lazy portfolios from present-day advisors like William Bernstein, Larry Swedroe, Ray Dalio, Paul Merriman, and Rick Ferri, all of whom influenced my thought process and subsequent portfolio construction. Analyze and optimize your investment portfolios with PortfoliosLab's intuitive tools. Probably better to compare it to 100% VOO or 100% VTI in terms of performance. It is designed as a simple portfolio to follow for beginner investors with small capital and long investment horizon. You can look up the symbols at your stockbroker. Which is the statistical and historical return of a 3 / 5 / 10 years investment? Essentially it's tilted towards real estate, emerging markets, and small cap, with some bonds for rebalancing. Most portfolios consist of a small number of low-cost funds that are easy to implement and rebalance. If managing your investment portfolio is not your top priority, Vanguard's suite of exchange Lazy Portfolios A lazy portfolio is a set-and-forget collection of investments that requires little to no maintenance. May 15, 2024 · I’m new to the Bogleheads Investment Philosophy and plan to rebalance my Fidelity Rollover IRA as close as possible to the 3 Fund Lazy Portfolio. This signature message sponsored by sscritic: Learn to fish. g. ” The following are ETF renditions of some of the most popular lazy portfolios. Differences were totally insignificant. I personally would make it even lazier and simply use VT (Vanguard Total World) and BNDjust decide how much you want your bond allocation to be and let the market do the rest. Compare different strategies to find the one that best fits your investment goals. Jul 17, 2023 · The Bogleheads 4 Fund Portfolio is globally diversified across stocks and bonds. I also realized there's an observable tradeoff between simplicity and optimization. It is by far the cheapest fund available to you, at 0. I am a younger investor with a long time horizon and higher risk tolerance willing to manage slightly higher complexity to get exposure to potentially beneficial factors. Add in international - 20% (VXUS) and Emerging markets -10% (VWO). Max out Roth. Option 2) with the balanced set is more likely to produce better risk-adjusted return. 1 day ago · Stocks/Bonds 60/40 Portfolio - asset allocation, performance, historical returns, drawdowns, sharpe ratio, and more. My Rollover IRA currently contains non-index funds with high expense ratios and 2 target date retirement funds both of which have expense ratios above . Re: VTI-Is this truly the total us stock market? by livesoft » Mon Dec 11, 2017 10:05 am Many well-regarded lazy portfolios overweight small-caps, so VTI does not match many lazy portfolios. Nov 17, 2016 · We have other very smart men here too, like William Bernstein who advocates the three-fund portfolio of VTI, VXUS, and BND (which is kind of the Boglehead mantra, even though it wasn't Bogle's thing), and Paul Merriman who slices and dices his portfolio 50/50 between US and international, large cap and small cap, blend and value. I would like for this to be very lazy. Choose the best mix that fits your needs. Also know there is plenty of overlap between VOO and VT, although the latter includes international companies. Any optimizations or thoughts on the weighting or fund choices? Is there any easy way to back-test this portfolio? Thanks in advance! Jan 1, 2025 · Which is the lazy portfolio that is having the best perfomance this year? Check our ETF portfolios, choose your strategy and replicate them with ETFs Oct 19, 2022 · Here are the lazy investment portfolios with returns and risk A lazy portfolio is just a portfolio that gives you a hands-off approach to investing for long periods. 60%. Apr 13, 2020 · I am thinking of making my lazy portfolio VTI, VIG, VOO. Your allocation % of VTI, VXUS, and BND is a key decision point we cover in detail in the Guide to Bogleheads Investing article. Jul 31, 2025 · If you hold multiple index funds that invest in the same types of stocks and bonds, you're not really increasing the diversification of your investments. Then top it off with QQQ - 10%. Vanguard Total Stock Market (VTI) to EUR: which are the historical returns and the worst drawdowns? Is it a good choice for your portfolio? Sep 16, 2025 · The Couch Potato Portfolio is a portfolio by Scott Burns, a finance columnist and co-founder of AssetBuilder. They currently have around $1. Lazy portfolio 1 – 2 fund portfolio (Balanced Portfolio 70/30) 80. As I'm in my early 40s, I need high equity exposure, though I am trying to figure out if I can retire early. . Stick to a three-fund, low expense-ratio portfolio: VTI, VXUS, and BND. What I question is since I'm 25 and don't mind some risk, should I even bother with BND? Secondly, should I even bother with VXUS and just Bogleheads 3 Fund Portfolio is the cornerstone investment fund. I payed around with the allocation percentages with the typical 3 fund portfolio (VTI, VXUS and BND) and total assets was always less. Mar 23, 2023 · If you understand the value of investing but don't want to be active, then creating a simple, 3 fund lazy portfolio is for you. Feb 21, 2019 · Watchman's portfolio beat the BH4 fund and the BH lazy 3 on all counts - final value (2014-2019), annual returns (more up, less down), and income. Create a portfolio of equally weighted Large, mid, & small cap - 20% each (VOO, VO, VB). Jan 2, 2022 · Learn to build the Lazy portfolios with only a few ETFs. But if one index fund focuses on US funds, adding an internationally-based fund will lessen your risk and broaden your prospects. You've probably heard the recommendation to build a portfolio using Vanguard mutual funds or Vanguard ETFs. Portfolio Visualizer provides online portfolio analysis tools for backtesting, Monte Carlo simulation, tactical asset allocation and optimization, and investment analysis tools for exploring factor regressions, correlations and efficient frontiers. “Lazy Portfolios” are meant for you to be able to invest in a few funds and be fully diversified with just a few clicks. Check yearly returns, asset allocations and choose the portfolio that best fits your needs. 54% standard deviation. I'm new to investing and I'm unsure as to what percentage I should put into each ETF. it consists of 3 assets weighted equally: a US equity index fund, a broad international equity index fund, and a TIPS index fund. And if you have limited funds and want to invest in only one ETF, you would do well betting on SPY, which tracks the S&P 500, or VTI which tracks the entire market. Two Fund Lazy Portfolio (VTI and VXUS) This past week has kind of been soul crushing for me. In that sense, we'd say VTI is more diversified with about 3,500 stocks via the CRSP US Total Market Index. It's a dead-simple Lazy Portfolios with a 50/50 mix of stocks and bonds. Read the review and see the best Vanguard ETFs for it here. That is, roughly 80% of VTI is VOO. It is holding VTI,IJS,VEA,VWO,VNQ,CASH. Edit: SPMO and QUAL are the only ones that I'm not having with, the rest do for fairly nicely into a Boglehead style portfolio. Adapting the Boglehead 3 Fund Portfolio to Your Personal Circumstances Understanding the adaptability of the Boglehead 3 Fund Portfolio is crucial for tailoring it to individual circumstances. You can analyze and backtest portfolio returns, risk characteristics, style exposures, and drawdowns. Instead of investing in individual stocks, buy VTI 4. vti, bnd, & vxus) would go down if interest rates went up yet the lazy portfolio seems designed to hedge bonds against stocks. I'm interested in creating a lazy ETF portfolio. 69% 1 Day Mar 10 2023, 03:59PM Eastern Time 3. They were identical to within like $100 on a $300,000 portfolio. If your desired asset allocation is anywhere near this, it's probably worth compromising your ideal AA and saving the money on expenses. However, as non US resident, I lean towards Irish accumulating ETFs rather than US distributing ones. Discover its asset allocation and explore historical returns and stats. Some people are very meticulous about rebalancing. Apr 30, 2020 · My honest advice: use the Fidelity Four-In-One Index Fund. See full list on lazyportfolioetf. Here we investigate its components and the best Vanguard ETFs to use. Imagine having a diversified portfolio that grows over time with minimal effort. By sticking to a disciplined asset allocation strategy, minimizing costs, and rebalancing periodically, you can achieve financial success with minimal effort. Through this page, I learned about the lazy portfolio, and built my portfolio roughly around this idea, minus the bonds, since I am in my early 20's. Aug 29, 2016 · Hi, I want a lazy portfolio that diversifies into as many broad categories of uncorrelated asset classes as possible, with minimal fees. 80% standard deviation The Importance of Automation Each of the lazy portfolios shared in this post provide a simple approach to investing: choose your allocation, automate your investments, then sit back and wait for the returns. Discover the best lazy portfolio setup and top ETFs for 2025, including VTI, SCHD, and QQQM. ) along with a big chunk of money in SCHD. stock Jan 24, 2025 · Table of Contents What is the Three Fund Portfolio? How do I set my allocation? Other “Lazy” Portfolios Still Too Complicated? Pick a Target Date Fund Is It Really That Simple? What is the Three Fund Portfolio? Unless you’re a big fan of Vanguard, Jack Bogle (founder of Vanguard), or are a Boglehead (huge fans of Vanguard itself), you may not know the name Taylor Larimore. This portfolio is part of the broader “lazy portfolio” philosophy, which emphasizes simplicity, diversification, and long-term investing. 8 Lazy ETF Portfolios I’m a firm believer that investing doesn’t have to be complicated and that it doesn’t have to require a great deal of ongoing effort. [note 1] You can find historical performance for many of the "lazy portfolios" on our site's blog. May 30, 2022 · Re: Lazy portfolio by Normchad » Mon May 30, 2022 11:30 pm Nvielbig wrote: Mon May 30, 2022 10:24 pm Is this fine for a lazy portfolio? I’m 31. Sometimes life happens and there is need to sell in that period even if there is no Sep 14, 2025 · The Growth Portfolio is a diversified investment strategy that allocates assets across domestic and international equities and fixed income. The complete list of the tracked Lazy Portfolios, built with ETFs. Choose your favourite, accoring to the expected risk and returns. The Bogleheads 3 Fund Portfolio is arguably the most popular lazy portfolio out there. To maintain a consistent and predefined level of risk, Lazy Portfolios require Lazy portfolios are a powerful tool for investors who want strong returns without the hassle of active management. This portfolio backtesting tool allows you to construct one or more portfolios based on the selected mutual funds, ETFs, and stocks. Aug 31, 2025 · Build the US Stocks Portfolio with 1 ETF. Nov 10, 2018 · Irish domiciled version of BND/VTI/VXUS lazy portfolio by wiserabbit » Wed Dec 05, 2018 3:49 pm Hi Bogleheads, I find BND/VTI/VXUS portfolio appealing. Jul 18, 2019 · Simple index fund/ETF portfolio which European investors can use to grow their savings. VTI has a fee of 0. See Portfolios - Financial Page. 02% compound annual return, with a 15. 00% Total US Bond Market (BND) The balanced portfolios consist of Sep 1, 2016 · This is the only time I’m asking you to be lazy in life but it’s a strategy I have implemented and don’t have much stress when it comes to contributing to my portfolio. The basic idea behind the portfolio is that stocks drive returns while bonds protect against market crashes and lower the overall portfolio's volatility. It's basically a 3-fund portfolio of 60% US stock, 25% international stock, and 15% total bond. In terms of Lazy Portfolios, the Couch Potato Portfolio is about as simple as it gets: a 50/50 mix of stocks and bonds, using only 2 funds. The results cover both returns and fund fundamentals based portfolio style analysis along with risk and return decomposition by each portfolio asset. Jul 4, 2013 · The best portfolio is the one you can implement inexpensively with the funds available to you, with an asset allocation that you can stick with during the inevitable downturns. They are "lazy" in that you can maintain the same asset allocation for an extended period, as they generally contain 30-40% bonds, suitable for most pre-retirement investors. Looking at the… 3 days ago · Rick Ferri Core Four Portfolio - asset allocation, performance, historical returns, drawdowns, sharpe ratio, and more. Apr 13, 2018 · I am considering adopting Rick Ferri's Core-Four Portfolio. Aug 23, 2024 · I then backtested the exact 3-fund lazy portfolio I would have used (45/25/30) with the rebalancing strategies I'd consider (annual, semi, quarterly) with the exact starting balance on March 1 2022 and looked at the value on August 1st 2024. My question - is a three fund lazy portfolio (VTI, VXUS, BND) REALLY enough?! I know this question has been asked ad nauseam, but it still feels SO simple. Think of VTI as being VOO + VXF combined into one at market cap weights, not all time periods favored VP, not all favor VXF, but holding both (or simply VTI) means you capture the winner no matter which one it is. 15% Curr Sep 23, 2023 · Without getting into details i've basically built a portfolio of around 50 individual stocks (REITS, Utilities, Dividend Growth, etc. The historical data is interesting but shouldn't be taken too Compare VTI and VOO across key investment metrics, including historical performance, risk, expense ratio, dividends, Sharpe ratio, and more, to determine which asset aligns better with your portfolio strategy. Set your allocation based on the risk. With a higher emphasis on equities (80%) through VEA and VTI, the portfolio aims for capital appreciation, while the 20% allocation to bonds (BND and IGOV) provides stability and income. In that vein, I’m always drawn to “lazy portfolios. Wondering if there is too much redundancy between VOO and VTI. [note 1] Lazy portfolios are designed to perform well in most market conditions. Most contain a small number of low-cost funds that are easy to rebalance. This isn't lazy its overengineered with a bitcoin on top. [note 1] Hello everyone, I am just about 2nd grade level literate when it comes to investing. May 23, 2001 · VTI is an exchange-traded fund (ETF) that tracks the performance of the CRSP US Total Market Index. I have done this for the past year and it has done super well achieving me 48% return for the year. At most, they require a yearly rebalance and nothing else. 33% US Total Stock Market (VTI) 33. This portfolio suits investors seeking moderate to high growth This is a MyPlanIQ model portfolio of Ben Stein Long Term Lazy Portfolio. Jul 11, 2024 · The Boglehead 3-fund portfolio has become one of the most popular investment portfolios among DIY investors because it is easy to understand and implementation is straightforward. What do you guys think of selling relatively deep OTM covered calls to generate some extra passive income on top of my lazy portfolio? Currently mostly split between VTI (44% of portfolio) and VXUS (36% of portofolio), was thinking of doing the CCs on top of either a portion or the entirety of those two. I keep feeling the need to add another asset class, but the more I look into it, I see questions as to whether it really adds real diversification to your portfolio or reduces risk of downturn through low correlation. Aug 31, 2025 · Vanguard Information Technology (VGT): which are the historical returns and the worst drawdowns? Is it a good choice for your portfolio? Feb 4, 2017 · I'm new to lazy portfolios and have recently started investing in a 3 fund portfolio as recommended by many. stock market, covering the large-, mid-, and small-cap segments of the market. 4 days ago · Golden Butterfly Portfolio - asset allocation, performance, historical returns, drawdowns, sharpe ratio, and more. 2 days ago · Total Stock Market Portfolio - asset allocation, performance, historical returns, drawdowns, sharpe ratio, and more. It consists of 60% intermediate-term bonds, 30% stocks, and 10% gold. 6 days ago · The Aronson Family Taxable Portfolio is a portfolio by Ted Aronson, an asset manager at AJO Partners. Aug 31, 2025 · Compare all the balanced lazy portfolios investing in stocks and bonds of all Countries, developed and emerging. Lazy portfolios are typically constructed with a small number of low-cost This site allows you to backtest almost any asset allocation as well as as quite a few “lazy portfolios” (click the little cog next to portfolio 1). Investigate your 401K options and contribute pre-tax + employer match to reduce your taxable income. Pay down any high-interest debt. The REITs in the Four-in-One are at market 4 days ago · Compare VTI and VXUS across key investment metrics, including historical performance, risk, expense ratio, dividends, Sharpe ratio, and more, to determine which asset aligns better with your portfolio strategy. We cover funds, expected returns and portfolio principles. You can be very diversified if you invested in VTI (Vanguard Total Market), VEU (Vanguard Ex-US), and BND (Vanguard Total Bond Market). 44 votes, 63 comments. Here is how I have invested my funds (in terms of how much I have invested, not what they are worth now): APPL: 14% QQQ: 25% VTI: 33% VXUS: 28% (Although VXUS is A lazy portfolio with index funds for stocks and bonds (e. CyclingDuo Edit: I like - and can relate to a bit better - our very own Boglehead silver fox version of YouTube videos from Rob Berger. Lazy portfolio strategies offer a simple, low-maintenance way to build wealth, making investing accessible to beginners and experienced investors alike. Dec 6, 2019 · 6. 11% ER. Moderate Portfolio Overview The Moderate Portfolio is a well-balanced investment strategy designed for investors seeking a mix of stability, income, and moderate growth potential. Cost is particularly important: if your favorite portfolio requires the use of expensive funds, you are probably better off rethinking your preference. These funds represent major investment asset classes such as US stocks, Foreign stocks and bonds. A deeper analysis about the rolling returns of the SPDR S&P 500 (SPY). Trying to create a more simplified portfolio that covers the important bases. Aug 31, 2025 · Build the Bogleheads Four Funds Portfolio with 4 ETFs. Jul 20, 2011 · This will give the foreign small-cap portion of your semi-lazy portfolio a bump up while also allowing you to vary the allocation between developed and emerging markets. ETA: TD Ameritrade does not offer VTSMX anymore (Vanguard total US stock market ETF). These are still "lazy" in that they contain enough bonds (typically 30-40%) to allow you to maintain the same asset allocation for much of your accumulation phase. Jan 14, 2022 · Your far less diversified with that list than a simple lazy portfolio build like: VTI (Total US Stock Market ETF) / VXUS (Total International Stock Market) / BND (Total Bond Market) Pretty much the title. Dec 27, 2016 · Moving from VTI+VXUS to VT (super lazy portfolio) by yoni_w » Tue Dec 27, 2016 11:50 am Hi guys, My portfolio is currently 60% VTI and 40% VXUS, and I'd like to move everything to VT. 00% US Total Stock Market (VTI) 30. See how it performs against other portfolios. Here I review it and specify the best Vanguard ETFs for it in [year]. May 22, 2024 · The lazy portfolio is a popular concept that emphasizes low fees, simplicity, and diversification. Use this Backtesting Tool to build and simulate your Portfolio with the selected asset classes, calculating all the key metrics you expect. It's a well-diversified portfolio consisting of 11 funds that cover 4 major asset classes: Emerging Market Equity, US Equity, Fixed Income, and Foreign Equity. Aug 31, 2025 · Invesco QQQ Trust (QQQ): which are the historical returns and the worst drawdowns? Is it a good choice for your portfolio? Jan 15, 2025 · A simple 60% stocks/40% bonds model using the Vanguard total stock market fund VTI and the Vanguard total bond market fund BND would've returned just under 15% in 2024, according to the Lazy Feb 1, 2024 · I am trying to build a long-term buy-and-hold, 100% equities, mostly lazy portfolio of no more than 10 funds that would work well in both a taxable and tax-advantaged account. Hello, I'm 25 years old and I'd like to invest 10k into the stock market. USD | VTI Etf is used for United States returns, FXI for China, and MSCI based etfs for all the other countries. 401 (k) - VFFVX Roth IRA: VTSAX Taxable: 60% VTSAX, 40% VTIAX You could be pretty darn lazy with that. Mar 24, 2021 · What’s in My Lazy Portfolio? March 24, 2021 by Lazy Man 5 Comments Usually a “lazy portfolio” refers to investing in two or three well-diversified index funds. 03%. In using the Back Test Portfolio analyzer, VTI and BND always come out on top as opposed to 3 fund portfolio. Besides bonds which I might consider as I get older, what would this portfolio be missing? Thanks in advance! What’s the real difference between VT vs VTI? Find out now to help you decide which one can optimize your investment portfolio. Don't do it because you'll save money by buying admiral shares of total stock, total bond, and the total internationals because the expense ratios are lower than in the Life Strategy Funds. The CRSP US Total Market Index is a broad-based index that includes virtually all publicly traded companies in the U. stock market. What I feel I am likely to do is something similar to the 4 fund approach (VTI, VXUS, BND, and BNDX) but may do VT in place of VTI and VXUS. euinh mcrw ggm xyokn nnwwevx jxvuxvt hutapj lzokuj vncgn zaal