Best lazy portfolio reddit. It is still a very good portfolio to use.

Best lazy portfolio reddit I used Google finance to mock up the lazy portfolio using the same start date and cost basis ($110k). bond market fund. Thanks very much for the post and suggested portfolio. Looking to see what everyone's personal 3 or 4 fund portfolios look like and why they chose those. Reply reply I'm a self taught front end dev on the path of trying to land my first job. I am looking for advice on the best "lazy portfolio" and investment and withdrawal strategy in my situation. This is quite passive, but "Automate portfolio rebalancing across all your brokerages, 401Ks, RSUs" "No Money Transfer - Easily turn it off and on. Hi all - I spent the last several weeks reading through all of the commentary, posts, etc. Follow their asset allocations and build your investment strategy. Several people on Reddit don’t really get the why behind his advice and want to stick to ‘invest in A "lazy portfolio" is a collection of investments that takes almost no effort to maintain. Hello, everybody. These usually consist of three equal parts of bonds (total bond market or TIPS), total US market and total international market. Some people think Dividend Portfolios are a better approach closer to withdrawal, but I don't see any good data to support that. A large-cap stock The Bogleheads 4 Fund Portfolio is globally diversified across stocks and bonds. large cap blend, Emerging Markets value, etc. This fund is great because I don’t have to rebalance, it's very portable , and is tax efficient (although I don’t think this matters too much, I believe it’s best for a new investor to just pick one fund and stick to it. If you're curious about how the bond allocation could affect your returns, you can use Portfolio Visualizer, where you can either backtest a concrete portfolio, or an asset class allocation. I pretty much start in one direction, then change my mind/plans and start over, and then keep repeating this! I’m going But even someone lazy can rebalance/reevaluate once a year. Examples of lazy portfolios that use some of these ideas would be Dalio's famous All Weather Portfolio, the Golden Butterfly Portfolio, and Paul Merriman's portfolios. " "Anywhere and Everywhere Rebalance with all your accounts in mind, optimized for tax efficiency. Invest a couple hours and construct a portfolio of Vanguard index funds with a prescribed Geographic, company size or sectoral mix to meet your diversity requirements, reducing your risk. So I have a sufficient amount of funds in my settlement fund to buy into these funds. I used to have a three fund portfolio, but there's a lot to say for simplicity. And yes, having 20% of your portfolio in bonds would cushion you entire portfolio from the risk of the other 80% simply because it’s in bonds and not the riskier investment. edit subscriptions. I wrote a comprehensive review of M1 Finance here. Post by WhiteMaxima » Fri May 17, 2024 10:02 pm. High. What are the best portfolios you have seen online ? Question (self. Stocks have been the best inflation "hedge" over the long run. Hopefully these models are helpful to anyone that wants to invest yet wasn't sure what a 'holistic' portfolio might look like. Hello, I'm 25 years old and I'd like to invest 10k into the stock market. S. All Weather Portfolio; Bogleheads 3 Fund Portfolio; HEDGEFUNDIE’s Excellent Adventure Please note that as a topic focused subreddit we have higher posting standards than much of Reddit: 1) Please direct all advice requests and beginner questions to the stickied daily threads. The course I was talking about though is fantastic. digital/ Other portfolios focus way too much on being flashy and tend to overshadow selling the person--mostly, design award porn. I'm about to start building my portfolio and right now I'm researching and planning my design. I'm Portfolio Metrics as of Mar 31, 2025. , 70% + 30% bonds) back to its original weighting. Given that the account is not tax advantaged, which bond fund would work best with my situation? Municipal bond fund, preferably with bonds from your home state. Think of your lazy portfolio as a bar of soap – the more you handle it, the more it shrinks. Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. Stocks 2. On the other hand, it is assumed that every investor should 11 votes, 31 comments. In addition, they load up your portfolio with 8+ ETFs in an assortment of garbage funds I never even heard of, some even 3rd party. Goal: Aggressive growth. The “best lazy portfolio” is the one that allows you to sleep easy at night, ignore the short-term noise, avoid tinkering, and stay the course. I do not care much given most lazy portfolios have underperformed and I have reduced risk when markets turn south. This helps you get around a constraint where a certain funds have limited history, even though the general index / asset class has more historical data. That's the typical BS you get with Schwab and Fidelity Contrast this with Vanguard's Digital Advisor. 142 users here now. my subreddits. I would like for this to be very lazy. LAZY ETF PORTFOLIOS - 2025 RETURNS AND STATS. Most clients don't know or care about the low level technical details so that'll scare those ones away. These are arguably If you want lazy and automation, mixed with aggressiveness, then invest with M1 Finance. Rebalancing is a practice where an investor buys and sells some assets to realign their portfolio weighting (e. My wife and I read Barefoot’s book and then invested 5k in his breakthrough portfolio (35% STW, 15% VSO, 20% IOO, 20%VAP, 10% VAF) in February 2022 as our first ever investment in the stock market. Skip to content. I am probably not the only one who has a small amount in my play account, in my case about 10 to 15%. You won’t find a cryptocurrency index fund (maybe someday!). Thank you! Top. I am comfortable taking on considerable risk since, as Anyway, what I did was find a high-performing stock screen that bought stocks I was comfortable owning, then bought the other stocks on the list. Best Lazy Strategy For Taxable in Schwab? Lately I have been purchasing the ETF VT in my taxable account. " In that vein, I’m always drawn to “lazy portfolios. This is what I think it an overall amazing portfolio: https://robbowen. A seguito di varie ricerche ed approfondimenti sul tema degli investimenti, sono giunto alla conclusione che un So I would agree that 50% AVUV would be be likely to have higher overall returns over the long run, but that is a slightly different question than what is most likely to beat the S&P 500. It doesn’t necessarily work that way. You are right, I upvoted the OP because I thought their portfolio looked fine. Interested in more Lazy You can arrange the proportions however you want, but that's a very simple Fidelity index fund portfolio. That said, only do a target date fund in tax advantaged accounts. These responses are all over the place which only serves to emphasize the whole point of the Bogleheads’ 3-Fund Portfolio in the first place which is to keep your portfolio simple and capture your fair share of market returns. Finally, what the lazy portfolios do if you are interested in investing is it gets you familiar with actually managing an investment account and knowing what the buttons do. You have essentially shielded that 20% from the volatility of the stock market by putting it in another investment. Risk Filter . These metrics include detailed data on returns, volatility, drawdowns and other key performance indicators. The same thing applies to asset location. Reader Interactions. U. Every time I think about scratching the investing itch, I remember that one of the world's best investors advocates a lazy portfolio if you aren't him (and I ain't Warren Buffett). Is there any easy way to back-test this portfolio? You can backtest asset classes (rather than individual funds) on Portfolio Visualizer. , a target date retirement fund), but once you learn how asset allocation works, it's just as easy to maintain a lazy portfolio. WhiteMaxima Posts: 3579 Joined: Thu May 19, 2016 10:04 pm. The course will help you advance Is this fine for a lazy portfolio? I’m 31. Just Ciao a tutti, 25M, RAL 40k + 1 bonus, patrimonio 65k (di cui però 20k vincolati in CD per 1 anno con tasso 5%). I don't want to hold a portfolio that is good for 10 years, I want a portfolio that is good for 6-12 months. Riguardo al PAC sull'obbligazionario di solito si fa in un lazy portfolio per ridurre la volatilità della parte azionaria, in quel caso io consiglierei gli ETF obbligazionari ma spesso mi capita di leggere in questo subreddit di gente che anche in quel caso dice che non hanno senso, citando spesso il suo video che in realtà non si riferisce a questo tipo di utilizzo. US markets are currently c40% total world and OP portfolio 60% US weighted. Couch Potato Portfolio ETF Pie for M1 Finance. Danny K says. February 13, 2023 at 3:49 pm. This is a great place for beginner and advanced investors to share knowledge! NOTE: please include the names of The best lazy portfolio is (of course) the one I use Equity 25% Each, US Large Market, US Small Market, International Large Value, International Small Market Bonds 50% Each, TIPS, InterTerm Treasury The name for the above portfolio is I'm a 25 year old and have been invested in a lazy portfolio that I created over the last 3 years. Skip to primary navigation; Skip it’s a lot easier to shop around and ensure you are getting the best deal on the three you choose. Most of them could be done just as well using regular Vanguard index funds. A three-fund portfolio is based on the fundamental asset classes, stocks and bonds. 10% IJH - ISHARES TR CORE S&P MID-CAP ETF Hi guys, I would love your advice on my situation. To best understand how he saw investing and the advice he gave, read his books and the research he relied upon to manage his company. It did perform decently, generating 20. Called Lazy Portfolios, these investment strategies Find out the best ETF Portfolios of 2025 and the best Investment Themes. The ETF versions simply allow you to implement the This is a good recommendation but the best would be to follow Warren Buffets advice. It is assumed that cash is not counted within the investment portfolio, so it is not included. Here is a document of all the portfolios The 3 Fund Portfolio is a lazy portfolio that allows investors to save big on both time and fees with its simplicity using 3 broadly diversified index funds: a total U. Lump Sum Investing (DCA vs. ” The following are ETF renditions of some of the most popular lazy portfolios. International Stocks How much an investor allocates to each asset class will depend on their risk tolerance and investing time horizon. I've got quite a few posts spread somewhat haphazardly on this site for various market segments (e. I've got posts and videos on both of these specific ideas. g. Medium. I hate when recipe websites tell an unnecessary, long-winded story before getting to the recipe, so feel free to skip straight to the portfolio by clicking here. Student here, wondering if I should invest my savings into ETFs only and then DCA each month to build up my portfolio. 401(k): VFFVX (Vanguard Target Retirement 2055 Fund); Roth IRA: VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares); Taxable Account: 60% VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares), 40% VTIAX (Vanguard Total International Stock Index I decided to do a comparison to a lazy portfolio I've been evaluating. I don't do that anymore b/c I'm lazy, but do what I say, don't do what I do (and, at my age, what I do won't affect my portfolio as I don't want to use robovisers or have to constantly watch the market. Most portfolios consist of a small number of low-cost funds that are easy to implement and rebalance. Any tips from folks who have done this? If you are, do a 3 fund or other lazy portfolio. " "Your assets are constantly monitored to follow portfolio rules that you set. Lazy portfolio components are simple and usually well defined. Whether it's your own site or one you stumbled upon, please share the link along with a brief description of what makes it stand out to you. Utilizing mostly low-cost Vanguard funds, 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). webdev) submitted 4 months ago Not all lazy portfolios are simple. If i need to shift priorities in 6-12 mo, i see no problem in doing that. For long-term inves So now I'm just looking as to whether it's perfectly fine to go with ETFs in my "lazy" portfolio, instead of mutual funds after all - it would be nice to not have to reach the A number of popular authors and columnists have suggested three-fund lazy portfolios. Lazy Portfolio. By examining them, you can gain insights into how the portfolio has performed over So the reviews on udemy are worth fuck all. stock market fund, a total international stock market fund, and a total U. It also serves as one of the best spare change investment apps for the more passive. You don't need to be perfect about this stuff. Inspired by u/SnooRabbits9033 's topic asking for 'Famous M1 Custom Pies' I decided to consolidate a bunch of model 'lazy' portfolios alongside famous portfolios from various investing community's members. A lazy portfolio is a set-and-forget collection of investments that require little or no maintenance. Re: 3 Fund Lazy Portfolio and Fidelity. 80/20 or even no bonds) can make sense. It’s a fun tool, but just don’t go picking the portfolio with the rosiest backtest. , gold). The three fund portfolio gets the diversification into bonds and international. You can start with a portfolio tailor-made for you and customize it to your liking, or build your own portfolio from Wealthfront’s collection of expertly vetted ETFs. If I go Fidelity: FSKAX (Fidelity Total Market Index Fund) FTIHX (Fidelity Total International Index Fund) FXNAX (Fidelity US Bond Index Fund) If I go Vanguard: VOO (Vanguard S&P 500 ETF) VTIAX (Vanguard Total International Stock Index Fund) I am curious, as I haven't seen a post concerning this, and I apologize if there are some out there that do cover this. Is there a website where you can backtest different ETFs with each other? Such as back testing a portfolio with: 60% VTI 30% VXUS 10% AVUV Yes you It can be helpful to review a simple, but effective, structure called the "core and satellite" before beginning to choose the best Vanguard funds. Index funds tend to focus on stocks, bonds, real estate, and commodities (e. M1 Finance is a great choice of broker to implement the David Swensen Portfolio because it makes regular rebalancing seamless and easy, has zero transaction fees, and incorporates dynamic rebalancing for new deposits. Get an ad-free experience with special benefits, and directly support Reddit. Add in While I'm still thinking about what to choose, potentially thinking 70/30 VTI/VXUS with no bonds yet unless the community thinks it might be a wise idea to contribute and make it 70/20/10. Edit : soon after this post we exchanged the mutual funds for ETF's in our brokerage: ITOT (iShares Core S&P Total U. Looking at 5-year rolling returns, it seems that an SCV fund with some mid cap like VBR has a better likelihood (greater frequency) of outperformance, whereas DFSXV as a proxy for AVUV has Anyone who is a designer or in hiring have any examples of beautiful or strong design portfolio sites? I have been at my current job for a long time and feel like I am a little out of touch for portfolio best practices. Lazy portfolios are designed to perform well in most market conditions, making them the perfect choice for long-term investors. Period: 01 Jan 2025 - 31 Mar 2025. As the name suggests, it consists of just three asset classes: 1. It’s easy to get confused with all the options out there, to get bogged down in asset allocation analysis paralysis, and to construct complicated or arbitrary portfolios that will be A simple portfolio of a few low-cost index funds is likely to outperform the most complicated, expensive investment products on Wall Street. It's easy to use an all in one fund (e. Recommendations for Fidelity funds that meet the Lazy Portfolio criteria? I appreciate your help, time, and efforts. The other type I always see are along the lines of "I'm a React developer who cares about programming best practices!" with lots of technical jargon everywhere and portfolio items that emphasise technologies. A lazy portfolio with index funds for stocks and bonds (e. Foreword – A Brief History of My Investing Journey. Permanent Portfolio (by Harry Browne with a minor change from US to global equities) . get reddit premium. For a more complete view, you can choose ETFs managed by different issuers. This includes beginner questions and portfolio help. I rebalance quarterly. Lazy portfolios are best suited for people who invest for the long term and won't need their money for 10 Hello, I've recently gone to work on a simple all-ETF portfolio I could hold long and invest in regularly. . In my opinion, the Boglehead 3 fund portfolio, and 60/40 portfolios, are obsolete, especially for a 35 year old. Here we’ll investigate its components, historical performance, and the best ETF’s to use in its implementation in 2025. That said, if your time horizon is 30+ years, a more aggressive, risky portfolio (e. Create a portfolio of equally weighted Large, mid, & small cap - 20% each (VOO, VO, VB). I then scrolled down the thread to read informative posts , quickly a saw another “Change your Broker from RH” post for the 1,000th time, and felt inclined to criticize the intent of a response post. Rather than trying to select 10 or 20 funds that The wiki has a page on Lazy Portfolios. But I wouldn't suggest a junior to make something like that. over ~5 year period. If you get the itch to trade, consider that your competition is Wall Street traders that Hello all! I just opened up a taxable brokerage account through Vanguard and I want to set up a lazy 3 fund portfolio consisting of the following mutual funds: VTSAX (45%), VTIAX (45%), VBTLX (10%). It has underperformed the S&P 500 during the course of that time. Very High. Portfolio Diversification – How To Diversify Your Portfolio; Dollar Cost Averaging vs. This saves the investor time and alleviates potential Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. So I choose 4 low cost ETFs and a high yield savings. Low. 5% p. For example the Cowards Portfolio and Coffee House portfolios are seven funds. I have opened a brokerage with Schwab and I’m looking to create a lazy portfolio with index funds or their equivalent ETFs. People aren’t looking at their portfolio in real time and calculating well the stock market is down 50% so far, and at this point I’ve lost $400k while an all-stocks portfolio would be down $500k therefore I feel ok because my portfolio returns are slightly less bad then that. Just because Dalio does something doesn't mean we should do it. Introduction – Read This First. and everyone has their own perspective. 76 Managed Portfolio. webdev join leave 2,989,768 readers. Bonds 3. vti, bnd, & vxus) would go down if interest rates went up yet the lazy portfolio seems Skip to main content Open menu Open navigation Go to Reddit Home 24 votes, 38 comments. Metrics of Portfolio, updated as of 31 March 2025, provide a comprehensive overview of the portfolio's performance and risk characteristics. Your portfolio is built around a "core holding" with this strategy. I want to grow my portfolio as quick and as big as possible. I was wondering what our fellow Boglehead 3-Fund Portfolios look like for some of the folks who hit their first million. Dopo aver aperto il Fondo Pensione di Categoria, credo sia arrivato il momento di allocare i restanti 45k di liquidità "fermi" su un'altro CD Svincolato/CC Corrente. There's a new portfolio visualizer update and it looks terrible, does anyone know how to get the old one? This one barely shows you any of the info the last one showed you, as well as pumping ads in your face. I have heard it called a lazy man’s portfolio and is my default for our 401 k’s and retirement accounts. What have you found that Here I've assembled what I think are the best ETFs for retirement portfolios. M1 Finance is a great choice of broker for U. 11 votes, 10 comments. Comments. Personally, I use a target date fund so that I don't have to manage balancing and rebalancing the funds. Look in the tables below, how the main Asset Classes can be replicated by Schwab ETFs. You can leave your assets where they are. Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Should I even look at bonds being only 35 years old? No. Let's look at the second portfolio - a simple two fund portfolio. Lazy Portfolios. I don't think that's necessarily true. They are thinking- it is a bloodbath out there with no end in sight and Quali sono gli svantaggi non immediatamente visibili di avere un portafoglio resiliente (max drawdown storico molto basso) a leva? Idealmente con un lazy portfolio che non cali mai più della soglia della margin call, nel lungo periodo si può ottenere una extra-performance a condizione di un ritorno maggiore del costo del debito. A Nifty Index fund, a US equity fund. Starting around age 18, I spun my wheels for nearly a decade stock picking and trading options on TradeKing (which Ally later acquired), usually underperforming Yes. This is the “majesty of simplicity,” as Bogle said. In most cases of US-only equities, By far the most popular, the 3-fund portfoliois all that a future millionaire needs. It is a passive investing strategy. 25% equities (indexed and globally diversified) 25% bonds (long-dated US Treasuries) 25% cash (savings, CDs and/or money markets) 25% gold (ideally physical, or split between physical and digital) . If you want excitement, go to the casino. If you're a beginner to programming in general it might be a bit much but I would still recommend watching it, but maybe wait until you feel mostly comfortable that you can do the simple stuff you want to do pretty easy. Otherwise, put your investment on autopilot and enjoy life! I'm currently working on creating my portfolio website and I'm in need of some inspiration. 2) Important: We have strict political posting guidelines (described here and here). Here we’ll investigate its components, historical performance, and the best ETF’s to use in its implementation. Learn how to set up a lazy, 3 Fund Portfolio. a. Would any Jr Devs out there be willing to share a portfolio that got them a job / interviews? Find the ETFs that work best for your investment ideas. I'm interested in creating a lazy ETF portfolio. Most of them are bought and paid for. ) so I figured I'd follow Merriman's example and make a quick list of picks by yours truly so that you La domanda è quella del topic: dovrei aggiungere una percentuale di ETC oro (tipo SGLD) e di Small Cap (tipo IUSN)? Ma sopratutto perchè SI o perchè Lazy portfolios arguably take index investing even further, taking the guesswork and complexity out of investing, allowing the investor to truly be “lazy” in their investing approach by eliminating the need to choose funds and the allocations thereof; the investor need only occasionally rebalance their lazy portfolio. If you aren’t, or you like the idea of literally never touching anything, do the target date. true. I'd love to see what you all consider to be the best portfolio websites out there. Wealthfront is another great choice when it comes to robo-advisors. Turns out, some 3rd party ETFs pay Schwab to put their ETFs in your portfolio. Since lazy portfolios contain only a few funds, this Lazy Portfolios. All Weather Portfolio; Bogleheads 3 Fund Portfolio; but you can find me on LinkedIn and Reddit. popular-all-users | AskReddit Get an ad-free experience with special benefits, and directly support Reddit. Plenty of portfolios would've underperformed this in that period. Investing with a lazy portfolio is a situation where being lazy can actually yield positive results. A few relevant jump to content. Ciao, sono un convinto investitore buy and hold, la mia situazione è la seguente: 100k investiti in ETF ad accumulo, 85% MSCI Most of the 'best' portfolios are from designers or freelance front-end devs with tons of experience. Always sad when I hear people say that stock market = gambling and missing out on one of the best (if not the best) wealth accumulation vehicles. Support lags behind what the big players offer, but they do free trades, fractional ETF and stock shares and their “pie” model can automate The Bogleheads 3 Fund Portfolio is arguably the most popular lazy portfolio out there. LSI) How To Invest Your HSA (Health Savings Account) Factor Investing and Factor ETFs – The Ultimate Guide; more Lazy Portfolios. It is still a very good portfolio to use. The PP is a great 'wealth preservation' portfolio for worrywarts who want to sleep well Hello, everybody. Stock Market ETF) - 56% Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. investors to implement the Couch Potato Portfolio because it makes annual rebalancing seamless and easy with one click (consistent with Scott Burns's recommendation of simplicity and low effort), has zero transaction fees, and incorporates dynamic rebalancing for From some research, it seems like a three-fund portfolio is the best approach for me. I've been thinking about a portfolio split into 70% S&P 500, 15% REITs ETF and 15% High Dividend and Growth ETF Tips for creating the Boglehead 3 Fund Portfolio at Schwab? Im considering rolling my Betterment IRAs as well as some other funds into my Schwab account and self managing to save on fees. A few relevant If you like the fin-tech “free” trades ideas with a buy-and-hold bent, m1finance is good. With the amount of free information available now and the advent of ETFs (which I think is one of the most simple but ingenious inventions), it has never been easier for normal retail investors to build their wealth for their retirement. Paul Merriman publishes his list of “best in class ETFs” every year for his model portfolios. 20% VBTLX 40% VTSAX 32% VTIAX 8% VNQ Today's Market value: $120,287. David Swensen Portfolio ETF Pie for M1 Finance. xnspg eksq ttsv jfsyo ubnz hhve tydt zgni ozwo becou ciwz ypyttrxg rjdv edbg hxs