The Lazy Portfolio comes from David Swensen, the former CIO of Yale University. He was responsible for managing the investments of Yale’s multi-billion dollar endowment.
The portfolio invests 50% in equities, 30% in bonds, and 20% in real estate.
Weight | Ticker | ETF Name | Sector | |
|---|---|---|---|---|
30% | VTI | Vanguard Total Stock Market ETF | Equity, U.S., Large Cap | |
20% | VNQ | Vanguard Real Estate Index Fund ETF | Real Estate, U.S. | |
15% | EFA | iShares MSCI EAFE ETF | Equity, Inter. Developed, Large Cap | |
15% | iEF | iShares 7-10 Year Treasury Bond ETF | Bond, U.S., Intermediate-Term | |
15% | TIP | iShares TIPS Bond ETF | Bond, U.S., All-Term | |
5% | EEM | iShares MSCI Emerging Markets ETF | Equity, Emerging Markets, Large Cap |
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Low | Average | High | |
|---|---|---|---|
1-Year | -35.2% | 8.8% | 47.2% |
3-Year | -9.6% | 8.4% | 23.6% |
5-Year | -1.4% | 8.0% | 18.3% |
10-Year | 3.2% | 8.0% | 11.9% |
Portfolio | 60/40 | S&P 500 | |
|---|---|---|---|
Annual Return | 8.4% | 9.3% | 10.3% |
10Y Annual Return | 6.2% | 7.9% | 12.2% |
Sharpe Ratio | 0.60 | 0.51 | 0.43 |
Max Drawdown | -40.4% | -29.7% | -50.97% |
Volatility (annualized) | 10.8% | 9.9% | 15.4% |
Dot Com Annual Return | -0.4% | -4.2% | -14.60% |
Great Financial Crisis Annual Return | -1.0% | -0.3% | -5.66% |
Positive Periods | 67.1% | 65.8% | 63.3% |
**S&P 500 backtest to 1972 and 60/40 backtest to 1970
