Allan Roth Second Grader Portfolio: Beating The Hell Outa Wall Street?

The Second Grader portfolio is a great example of simplicity that will beat out Wallstreet in the long run. Do you want to beat up Wallstreet too?

This is the article detailing the investment portfolios of Allan Roth and his Second Grader Portfolios. Here you will find asset allocation and performance for the portfolios.

Allan Roth is the founder of  Wealthlogic and author of How a Second Grader Beats Wall Street: Golden Rules Any Investor Can Learn. This page details the portfolios that Allan Roth recommends in his book.

Allan Roth Second Grader Portfolio: Beating Wall Street?

Who is Allan Roth and who is the second grader?

Allan Roth has written How a Second Grader Beats Wall Street: Golden Rules Any Investor Can Learn. He has served as CFO and is offering financial solutions. His portfolio the second grader portfolio is regarded as a lazy portfolio. We consider him as one of the good guys in investing due to his insistence of low fees, fiduciary responsibility and being adamant about keeping investing simple.

The story goes (in the book) that Allan Roth taught his son how to invest in the stock market. He did this when his son was in second grade. His son has subsequently beaten Wall Street by holding this portfolio!

In the book, Allan Roth describes the journey and reasoning for selecting the portfolio. The book is a masterpiece in itself in that it builds an ever-expanding foundation from which you can position your knowledge on investing. It’s like he builds a ladder for you, with each step you get a little smarter on how to invest and what the stock market is.

What is special about the Second Grader Portfolio?

Allan Roth’s Second Grader Portfolio is a close relative to the 3 fund portfolio.

This makes it easy to implement and maintain. Don’t worry though you will still get great returns.

Performance of the Second Grader Portfolios

Portfolio NameNumber of asset classes1 year return 2019YTD (incl. December 2019)10 year returnCAGR since 1989StdSharpeDrawdownRisk LevelMarket CorrelationDollar Value
S&P 500 (Benchmark)131.25%31.25%12.97%9.84%17.46%0.48-37.71%5 - very high risk0.99$167,045.76
60/40 Portfolio221.93%21.93%9.35%8.64%11.00%0.57-20.20%2 - low risk0.98$120,261.40
Three Fund Portfolio (50-30-20)323.65%23.65%9.30%7.82%13.95%0.41-30.74%4 - high risk0.96$95,687.88
4 Fund Portfolio420.24%20.24%8.14%7.80%10.27%0.51-21.47%3 - medium risk0.96$95,122.94
7Twelve Portfolio1217.15%17.15%6.61%7.57%10.32%0.49-23.19%3 - medium risk0.79$89,255.65
David Swensen's Portfolio620.95%20.95%8.86%8.55%11.47%0.53-26.20%3 - medium risk0.89$117,264.69
The Permanent Portfolio416.20%16.20%5.75%6.60%5.66%0.63-3.23%1 - very low risk0.57$68,075.83
Tony Robbins / Ray Dalio Portfolio518.01%18.01%6.23%8.00%7.25%0.75-3.69%1 - very low risk0.6$100,531.42
Merrimans Ultimate Portfolio1023.49%23.49%10.33%8.75%18.10%0.4-41.53%5 - very high risk0.83$123,701.16
Meb Faber Ivy 5 Portfolio520.58%20.58%6.01%7.05%11.71%0.41-31.56%4 - high risk0.79$77,175.93
Meb Faber Ivy 10 Portfolio918.52%18.52%6.25%7.75%13.14%0.43-33.41%4 - high risk0.73$93,889.37
Bill Schultheis Coffeehouse Portfolio719.01%19.01%8.48%8.29%10.07%0.56-20.21%2 - low risk0.9$108,918.59
Warren Buffett Portfolio228.48%28.48%11.83%9.46%15.72%0.49-32.65%4 - high risk0.99$150,709.29
Index Fund Advisors, Portfolio 1001223.51%23.51%11.68%10.08%18.12%0.47-39.64%5 - very high risk0.87$178,425.61
Index Fund Advisors, Portfolio 801620.02%20.02%9.81%9.27%14.49%0.49-30.64%4 - high risk0.87$143,039.05
Index Fund Advisors, Portfolio 601616.56%16.56%7.85%8.31%10.92%0.53-21.64%3 - medium risk0.87$109,713.66
Index Fund Advisors, Portfolio 501614.83%14.83%6.85%7.78%9.18%0.56-17.14%2 - low risk0.87$94,581.82
The Andrew Tobias Portfolio319.23%19.23%7.95%7.24%12.14%0.4-28.09%4 - high risk0.92$81,473.03
The Talmud Portfolio322.88%22.88%9.68%9.04%10.79%0.6-24.14%3 - medium risk0.85$133,974.38
Muhammad El-Erian Portfolio820.11%20.11%6.66%7.93%13.20%0.44-31.28%4 - high risk0.79$98,575.79
The Marc Faber Portfolio620.64%20.64%7.56%7.59%9.22%0.51-16.87%2 - low risk0.64$89,821.58
Ted Aronson Family Taxable Portfolio1119.65%19.65%9.14%8.36%13.09%0.46-26.53%3 - medium risk0.89$111,316.36
Allan Roth Second Grader High Risk Portfolio325.83%25.83%10.23%8.10%15.60%0.4-34.95%5 - very high risk0.97$103,558.43
Allan Roth Second Grader Medium Risk Portfolio320.17%20.17%8.06%7.66%10.66%0.49-21.61%3 - medium risk0.97$91,494.37
Allan Roth Second Grader Low Portfolio314.50%14.50%5.76%6.90%6.37%0.67-8.28%1 - very low risk0.87$74,079.11
Allan Roth Second Grader Five-Fund High Risk Portfolio525.70%25.70%10.12%8.27%15.12%0.42-35.31%5 - very high risk0.95$108,524.20
Allan Roth Second Grader Five-Fund Medium Risk Portfolio420.10%20.10%8.03%7.68%10.39%0.5-21.61%3 - medium risk0.96$92,172.04
Allan Roth Second Grader Five-Fund Low Risk Portfolio414.47%14.47%5.74%6.91%6.26%0.68-8.28%1 - very low risk0.86$74,207.04
Allan Roth Second Grader High Risk with CDs Portfolio325.15%25.15%9.93%7.80%15.56%0.38-35.24%5 - very high risk0.97$95,291.75
Allan Roth Second Grader Medium Risk with CDs Portfolio317.44%17.44%6.86%6.48%10.43%0.38-22.79%3 - medium risk0.97$65,706.27
Allan Roth Second Grader Low Risk with CDs Portfolio39.74%9.74%3.66%4.85%5.49%0.38-10.34%1 - very low risk0.94$41,458.74
Frank Armstrong Ideal Index Portfolio718.03%18.03%7.48%7.19%11.40%0.41-25.74%3 - medium risk0.9$80,199.22
Scott Adams Dilbert Portfolio225.70%25.70%10.62%10.39%22.70%0.43-44.93%5 - very high risk0.8$194,183.00
Scott Burns Couch Potato217.76%17.76%8.48%8.29%9.70%0.6-19.94%2 - low risk0.94$109,009.84
Scott Burns Margaritaville319.23%19.23%7.95%7.24%12.14%0.4-28.09%4 - high risk0.92$81,473.03
Scott Burns Four Square416.30%16.30%6.95%6.99%9.32%0.46-19.60%2 - low risk0.91$75,832.27
Scott Burns Five Fold518.83%18.83%8.00%7.72%9.94%0.51-23.09%3 - medium risk0.86$93,030.88
Scott Burns Six Ways from Sunday617.65%17.65%7.44%8.26%11.06%0.53-26.39%3 - medium risk0.81$108,065.61
Scott Burns Seven Value Portfolio718.82%18.82%8.09%8.49%11.57%0.53-27.78%4 - high risk0.86$115,111.95
Scott Burns Seven Value 2 Portfolio819.50%19.50%8.66%8.80%12.12%0.53-28.29%4 - high risk0.86$125,505.84
Scott Burns Nine Emerging Portfolio919.64%19.64%8.65%9.15%13.60%0.52-31.02%4 - high risk0.83$138,106.14
Scott Burns 10 Speed Portfolio1019.25%19.25%8.34%8.76%13.97%0.48-32.31%4 - high risk0.84$124,155.75
Larry Swedroe Simple Portfolio615.29%15.29%8.09%8.27%11.11%0.52-23.85%3 - medium risk0.86$108,435.35
Larry Swedroe, The Larry Portfolio 1712.63%12.63%5.83%7.25%6.90%0.64-8.49%1 - very low risk0.81$81,645.53
Larry Swedroe, The Larry Portfolio 2310.47%10.47%4.93%7.40%5.60%0.83-3.70%1 - very low risk0.47$85,141.52
Larry Swedroe, Eliminate Fat Tails Portfolio48.92%8.92%4.87%6.76%8.24%0.5-13.59%2 - low risk0.68$71,215.30
Larry Swedroe, Big Rocks Portfolio1116.04%16.04%7.35%7.77%10.04%0.52-20.68%2 - low risk0.9$94,284.50
William Bernstein No Brainer Portfolio419.82%19.82%8.68%7.68%12.90%0.42-27.63%4 - high risk0.95$91,983.79
William Bernstein Cowards Portfolio916.87%16.87%7.38%7.88%9.89%0.54-19.93%2 - low risk0.93$97,354.23
William Bernstein Four Pillars High Risk Portfolio1118.82%18.82%7.74%7.94%12.71%0.45-28.32%4 - high risk0.88$99,067.16
William Bernstein Four Pillars Medium Portfolio617.71%17.71%7.60%7.73%9.67%0.54-19.65%2 - low risk0.96$93,369.08
William Bernstein Four Pillars Low Risk Portfolio416.12%16.12%6.58%7.14%8.31%0.55-15.89%2 - low risk0.97$79,194.72
Rob Arnott Portfolio816.33%16.33%5.65%7.06%7.30%0.6-14.88%2 - low risk0.71$77,380.64
The Global Market Portfolio, GMP CREDIT SUISSE819.30%19.30%7.64%7.97%8.76%0.6-15.83%2 - low risk0.87$99,897.22
The Global Market Portfolio, Financial Engines 20071519.87%19.87%8.16%8.04%11.30%0.5-23.12%3 - medium risk0.96$101,637.13
Meb Faber Risk Parity Portfolio715.12%15.12%5.28%6.80%6.06%0.67-7.82%1 - very low risk0.6$71,945.61
Robo Advisor Betterment 100625.68%25.68%10.45%8.89%17.77%0.42-40.13%5 - very high risk0.92$128,734.87
Robo Advisor Betterment 801022.27%22.27%9.20%8.55%14.50%0.45-31.68%4 - high risk0.92$117,253.29
Robo Advisor Betterment 601018.93%18.93%7.93%8.08%11.31%0.5-23.25%3 - medium risk0.91$102,835.26
Robo Advisor Betterment 401115.30%15.30%6.45%7.39%8.17%0.57-14.52%2 - low risk0.87$84,982.92
Robo Advisor Wealthfront 100724.14%24.14%9.52%9.23%18.09%0.43-39.45%5 - very high risk0.8$141,384.10
Robo Advisor Wealthfront 80724.60%24.60%9.89%8.93%15.49%0.45-36.03%5 - very high risk0.88$130,253.32
Robo Advisor Wealthfront 60723.42%23.42%9.40%8.67%13.43%0.48-31.03%4 - high risk0.9$121,214.80
Robo Advisor Wealthfront 40722.31%22.31%8.96%8.40%11.51%0.52-25.94%3 - medium risk0.91$112,287.77
Gibson Five Asset Classes620.36%20.36%6.07%7.08%11.92%0.4-32.09%4 - high risk0.79$77,859.18
Harry Markowitz, Father of Modern Portfolio Theory, Portfolio219.75%19.75%8.38%8.26%9.46%0.61-15.99%2 - low risk0.97$108,052.29
Rick Ferri Early Saver Moderate Basic Portfolio422.17%22.17%8.94%8.08%11.63%0.49-25.82%3 - medium risk0.96$103,026.08
Rick Ferri Early Saver Moderate Multi Asset Portfolio1121.12%21.12%9.39%8.90%12.46%0.52-27.23%4 - high risk0.9$128,912.98
Rick Ferri Midlife Moderate Basic Portfolio420.29%20.29%8.19%7.86%10.16%0.52-21.40%3 - medium risk0.96$96,757.11
Rick Ferri Midlifer Moderate Multi Asset Portfolio1119.32%19.32%8.92%8.63%11.41%0.54-24.53%3 - medium risk0.89$119,738.71
Rick Ferri Transitional Moderate Basic Portfolio518.20%18.20%7.31%7.49%8.78%0.55-17.11%2 - low risk0.95$87,324.19
Rick Ferri Transitional Moderate Multi Asset Portfolio1217.62%17.62%8.25%8.24%10.00%0.56-20.84%3 - medium risk0.88$107,694.17
Rick Ferri Mature Retired Saver Moderate Basic Portfolio615.50%15.50%6.24%7.08%7.15%0.62-12.26%1 - very low risk0.93$77,807.40
Rick Ferri Mature Retired Saver Moderate Multi Asset Portfolio1014.75%14.75%6.28%7.30%7.23%0.64-12.61%2 - low risk0.9$82,677.75
Balanced Portfolio 10/90211.02%11.02%4.35%6.40%4.97%0.81-2.41%1 - very low risk0.46$64,395.11
Balanced Portfolio 20/80213.20%13.20%5.38%6.91%5.63%0.79-3.37%1 - very low risk0.72$74,264.67
Balanced Portfolio 30/70215.39%15.39%6.39%7.39%6.70%0.73-7.57%1 - very low risk0.86$84,899.95
Balanced Portfolio 40/60217.57%17.57%7.39%7.84%8.01%0.66-11.78%1 - very low risk0.93$96,206.80
Balanced Portfolio 50/50219.75%19.75%8.38%8.26%9.46%0.61-15.99%2 - low risk0.97$108,052.29
Balanced Portfolio 70/30224.12%24.12%10.31%9.00%12.60%0.54-24.41%3 - medium risk0.99$132,614.65
Balanced Portfolio 80/20226.30%26.30%11.26%9.32%14.23%0.51-28.62%4 - high risk1$144,847.01
Balanced Portfolio 90/10228.48%28.48%12.20%9.61%15.88%0.49-32.83%4 - high risk1$156,648.41
Index Fund Advisors, Portfolio 901621.75%21.75%10.67%9.60%16.04%0.48-34.32%5 - very high risk0.87$156,382.38
Index Fund Advisors, Portfolio 701618.29%18.29%8.76%8.58%12.47%0.5-25.65%3 - medium risk0.87$118,307.61
Index Fund Advisors, Portfolio 401613.10%13.10%5.76%6.81%7.25%0.55-12.64%2 - low risk0.87$72,087.68
Index Fund Advisors, Portfolio 301611.37%11.37%4.71%6.15%5.61%0.59-8.31%1 - very low risk0.84$59,900.62
Index Fund Advisors, Portfolio 20169.65%9.65%3.65%5.46%4.13%0.64-3.97%1 - very low risk0.77$49,276.08
Index Fund Advisors, Portfolio 10167.89%7.89%2.57%4.74%3.04%0.71-0.31%1 - very low risk0.53$40,126.43
Total US Stock Market130.67%30.67%13.13%9.85%17.56%0.48-37.07%5 - very high risk1$167,666.29
The Jack Bogle Portfolio221.93%21.93%9.35%8.64%11.00%0.57-20.20%2 - low risk0.98$120,261.40
Paul Merriman Best-in-Class ETFs Portfolio (Aggressive)1223.24%23.24%10.54%8.96%17.24%0.42-38.78%5 - very high risk0.85$131,206.74
Paul Merriman Best-in-Class ETFs Portfolio (Moderate)1515.99%15.99%7.48%8.03%10.21%0.53-20.03%2 - low risk0.85$101,511.15
Paul Merriman Best-in-Class ETFs Portfolio (Conservative)1512.37%12.37%5.82%7.34%7.10%0.64-10.65%1 - very low risk0.79$83,794.82
Paul Merriman Target Date Portfolio (25 year old)423.37%23.37%11.77%10.66%18.55%0.49-37.29%5 - very high risk0.78$208,879.80
Paul Merriman Target Date Portfolio (35 year old)1123.32%23.32%11.73%10.50%18.29%0.49-37.11%5 - very high risk0.79$199,704.11
Paul Merriman Target Date Portfolio (45 year old)1421.98%21.98%11.09%10.00%16.58%0.49-34.01%5 - very high risk0.82$174,635.70
Paul Merriman Target Date Portfolio (55 year old)1418.82%18.82%9.54%9.10%13.11%0.52-26.44%3 - medium risk0.85$136,442.55
Paul Merriman Target Date Portfolio (65 year old)1414.10%14.10%7.13%7.96%8.61%0.61-14.68%2 - low risk0.84$99,510.95
iShares Lifepath Fund715.89%15.89%6.56%7.21%7.68%0.59-13.57%2 - low risk0.92$80,698.80
iShares LifePath Index 2060 Fund (25 year old)527.53%27.53%10.75%8.39%15.88%0.42-38.86%5 - very high risk0.95$112,270.53
iShares LifePath Index 2050 Fund (35 year old)627.56%27.56%10.76%8.40%15.85%0.42-38.79%5 - very high risk0.95$112,567.78
iShares LifePath Index 2040 Fund (45 year old)725.71%25.71%10.11%8.29%14.42%0.43-34.54%5 - very high risk0.96$109,036.34
iShares LifePath Index 2030 Fund (55 year old)721.81%21.81%8.72%7.93%11.62%0.48-26.20%3 - medium risk0.96$98,750.68
iShares Model Portfolio 100% Stocks226.87%26.87%10.28%7.66%17.42%0.35-40.07%5 - very high risk0.94$91,490.15
iShares Model Portfolio 91% Stocks325.08%25.08%9.59%7.55%15.91%0.36-36.15%5 - very high risk0.94$88,696.63
iShares Model Portfolio 85% Stocks324.12%24.12%9.30%7.60%14.86%0.38-33.34%4 - high risk0.95$89,949.07
iShares Model Portfolio 80% Stocks423.07%23.07%8.93%7.49%14.04%0.38-31.14%4 - high risk0.95$87,403.88
iShares Model Portfolio 70% Stocks421.48%21.48%8.47%7.54%12.32%0.42-26.42%3 - medium risk0.96$88,449.95
iShares Model Portfolio 65% Stocks420.72%20.72%8.27%7.57%11.48%0.45-24.02%3 - medium risk0.96$89,214.11
iShares Model Portfolio 55% Stocks418.03%18.03%7.28%7.28%9.25%0.5-17.73%2 - low risk0.96$82,397.36
iShares Model Portfolio 51% Stocks418.78%18.78%7.51%7.35%9.88%0.48-19.59%2 - low risk0.96$83,904.16
iShares Model Portfolio 40% Stocks418.03%18.03%7.28%7.28%9.25%0.5-17.73%2 - low risk0.96$82,397.36
iShares Model Portfolio 36% Stocks416.30%16.30%6.74%7.22%7.62%0.59-12.51%2 - low risk0.94$81,005.57
iShares Model Portfolio 20% Stocks415.59%15.59%6.48%7.14%7.07%0.63-10.68%1 - very low risk0.93$79,268.19
iShares Model Portfolio 15% Stocks412.52%12.52%5.19%6.64%5.22%0.77-3.58%1 - very low risk0.76$68,797.92
iShares Model Portfolio 10% Stocks311.86%11.86%5.00%6.63%4.99%0.83-2.85%1 - very low risk0.65$68,653.33
Ben Stein Portfolio721.43%21.43%8.38%8.01%14.13%0.42-32.19%4 - high risk0.92$100,800.42
JL Collins, Simple Path To Wealth, Wealth Building Portfolio130.67%30.67%13.13%9.85%17.56%0.48-37.07%5 - very high risk1$167,666.29
JL Collins, Simple Path To Wealth, Wealth Preservation Portfolio225.21%25.21%10.79%9.16%13.41%0.53-26.52%3 - medium risk1$138,764.28
Paul Merriman FundAdvice Ultimate Buy and Hold1316.14%16.14%7.37%7.95%10.70%0.5-21.68%3 - medium risk0.83$99,272.22
Fidelity Freedom Index 2030 (55 year old)622.94%22.94%9.10%7.99%12.93%0.45-28.24%4 - high risk0.98$100,246.61
Fidelity Freedom Index 2040 (45 year old)525.89%25.89%10.22%8.20%15.43%0.41-34.85%5 - very high risk0.97$106,498.52
Fidelity Freedom Index 2050 (35 year old)525.89%25.89%10.22%8.20%15.43%0.41-34.85%5 - very high risk0.97$106,498.52
Fidelity Freedom Index 2060 (25 year old and younger)525.89%25.89%10.22%8.20%15.43%0.41-34.85%5 - very high risk0.97$106,498.52
TD Ameritrade Core Portfolio Conservative513.35%13.35%5.33%6.68%5.72%0.7-6.09%1 - very low risk0.82$69,550.36
TD Ameritrade Core Portfolio Moderate516.12%16.12%6.44%7.07%7.61%0.58-12.84%2 - low risk0.93$77,553.64
TD Ameritrade Core Portfolio Moderate Growth517.96%17.96%7.15%7.28%9.09%0.51-17.34%2 - low risk0.96$82,438.53
TD Ameritrade Core Portfolio Growth521.63%21.63%8.55%7.62%12.29%0.43-26.33%3 - medium risk0.96$90,521.11
TD Ameritrade Core Portfolio Aggressive524.48%24.48%9.62%7.83%14.79%0.4-33.00%4 - high risk0.96$95,918.48
Morningstar Conservative Retirement Saver Portfolio718.11%18.11%7.65%7.91%9.53%0.56-18.49%2 - low risk0.95$98,077.76
Morningstar Moderate Retirement Saver Portfolio523.70%23.70%9.67%8.49%13.85%0.46-29.87%4 - high risk0.97$115,229.73
Morningstar Aggressive Retirement Saver Portfolio526.04%26.04%10.36%8.39%16.27%0.41-36.51%5 - very high risk0.96$112,197.13
Vanguard Target Retirement 2030 (55 year old)421.60%21.60%8.56%7.59%12.34%0.43-26.42%3 - medium risk0.96$89,870.99
Vanguard Target Retirement 2040 (45 year old)424.37%24.37%9.54%7.76%14.83%0.39-33.14%4 - high risk0.96$94,018.21
Vanguard Target Retirement 2050 (35 year old)425.26%25.26%9.85%7.78%15.65%0.38-35.31%5 - very high risk0.96$94,771.32
Vanguard Target Retirement 2060 (25 year old)425.26%25.26%9.84%7.78%15.67%0.38-35.36%5 - very high risk0.95$94,566.58
Merrill Lynch Edge Select Portfolio, Conservative1211.19%11.19%5.89%6.82%6.23%0.64-10.80%1 - very low risk0.83$72,420.35
Merrill Lynch Edge Select Portfolio, Moderately Conservative1216.57%16.57%8.34%8.27%9.46%0.59-19.74%2 - low risk0.9$108,323.20
Merrill Lynch Edge Select Portfolio, Moderately1219.64%19.64%9.15%8.59%11.48%0.54-25.30%3 - medium risk0.94$118,343.20
Merrill Lynch Edge Select Portfolio, Moderately Aggressive1222.53%22.53%9.84%8.78%13.60%0.49-30.53%4 - high risk0.95$124,804.39
Merrill Lynch Edge Select Portfolio, Aggressive1224.88%24.88%10.34%8.88%15.58%0.45-34.96%5 - very high risk0.95$128,238.64
David Booth (DFA) Fixed Income Portfolio46.85%6.85%1.80%4.38%3.28%0.56-1.53%1 - very low risk-0.07$36,177.71
David Booth (DFA) Conservative Portfolio1510.40%10.40%3.87%5.71%4.06%0.73-2.85%1 - very low risk0.73$52,906.86
David Booth (DFA) Moderate Portfolio1513.94%13.94%5.87%6.92%6.91%0.6-12.06%1 - very low risk0.88$74,434.21
David Booth (DFA) Normal Portfolio1517.49%17.49%7.80%8.00%10.24%0.53-21.28%3 - medium risk0.9$100,732.35
David Booth (DFA) Aggressive Portfolio1521.03%21.03%9.66%8.95%13.69%0.49-30.49%4 - high risk0.9$130,969.26
David Booth (DFA) Equity Portfolio1124.58%24.58%11.46%9.75%17.19%0.47-39.70%5 - very high risk0.9$163,155.23
Rick Ferri's Core 4 fund Portfolio (80/20)424.04%24.04%9.64%8.20%13.36%0.45-30.32%4 - high risk0.97$106,362.82
Rick Ferri's Core 4 fund Portfolio (40/60))416.44%16.44%6.58%7.27%7.44%0.62-12.63%2 - low risk0.92$82,091.39
Rick Ferri's Core 4 fund Portfolio (20/80)412.64%12.64%4.98%6.62%5.30%0.76-3.79%1 - very low risk0.7$68,507.11
Vanguard LifeStrategy Income Fund (20/80)412.27%12.27%5.00%6.49%5.13%0.74-3.80%1 - very low risk0.76$66,028.60
Vanguard LifeStrategy Conservative Growth (40/60)416.00%16.00%6.47%7.03%7.61%0.57-12.87%2 - low risk0.93$76,708.39
Vanguard LifeStrategy Moderate Growth (60/40)419.73%19.73%7.88%7.44%10.71%0.46-21.92%3 - medium risk0.96$86,020.81
Vanguard LifeStrategy Growth Fund (80/20)423.42%23.42%9.21%7.71%13.98%0.4-30.84%4 - high risk0.96$92,791.68
William Bernstein Sheltered Sam Portfolio1216.79%16.79%7.57%7.99%9.96%0.55-21.69%3 - medium risk0.91$100,223.07
Tim Maurer Simple Money Portfolio715.85%15.85%7.38%7.62%10.17%0.49-19.40%2 - low risk0.88$90,621.29
T. Rowe Price ActivePlus Portfolio, Model 1059.49%9.49%3.95%6.13%4.86%0.76-2.36%1 - very low risk0.43$59,589.77
T. Rowe Price ActivePlus Portfolio, Model 20412.01%12.01%4.99%6.61%5.52%0.73-5.20%1 - very low risk0.69$68,300.70
T. Rowe Price ActivePlus Portfolio, Model 30413.87%13.87%5.84%6.94%6.49%0.66-9.54%1 - very low risk0.85$74,858.76
T. Rowe Price ActivePlus Portfolio, Model 40415.93%15.93%6.63%7.23%7.71%0.59-13.64%2 - low risk0.92$81,209.95
T. Rowe Price ActivePlus Portfolio, Model 50417.95%17.95%7.44%7.53%9.19%0.54-18.00%2 - low risk0.95$88,292.57
T. Rowe Price ActivePlus Portfolio, Model 60420.06%20.06%8.21%7.76%10.70%0.5-22.03%3 - medium risk0.97$94,224.73
T. Rowe Price ActivePlus Portfolio, Model 70422.14%22.14%8.96%7.96%12.28%0.46-26.13%3 - medium risk0.98$99,620.29
T. Rowe Price ActivePlus Portfolio, Model 80324.18%24.18%9.70%8.13%13.91%0.43-30.31%4 - high risk0.98$104,308.51
T. Rowe Price ActivePlus Portfolio, Model 90326.10%26.10%10.43%8.26%15.58%0.41-34.74%5 - very high risk0.98$108,136.02
T. Rowe Price ActivePlus Portfolio, Model 100228.01%28.01%11.15%8.35%17.26%0.39-39.16%5 - very high risk0.97$110,873.71
Schwab Target Date Fund 2030 (55 year old)821.36%21.36%8.60%8.03%11.84%0.48-25.67%3 - medium risk0.96$101,528.93
Schwab Target Date Fund 2040 (45 year old)824.11%24.11%9.71%8.41%14.38%0.45-32.53%4 - high risk0.96$112,877.40
Schwab Target Date Fund 2050 (35 year old)825.47%25.47%10.25%8.57%15.73%0.43-36.12%5 - very high risk0.95$117,912.78
Schwab Target Date Fund 2060 (25 year old)726.32%26.32%10.59%8.67%16.54%0.42-38.22%5 - very high risk0.95$121,276.86
Schwab Managed Portfolio, Conservative Income67.74%7.74%3.51%5.53%4.21%0.68-2.02%1 - very low risk0.33$50,300.56
Schwab Managed Portfolio, Income With Growth1011.68%11.68%4.80%6.16%5.29%0.64-8.31%1 - very low risk0.81$60,096.35
Schwab Managed Portfolio, Balanced1115.25%15.25%5.70%6.83%8.07%0.52-17.24%2 - low risk0.89$72,502.11
Schwab Managed Portfolio, Balanced With Growth1118.90%18.90%7.03%7.42%10.86%0.46-25.07%3 - medium risk0.92$85,575.51
Schwab Managed Portfolio, Growth921.81%21.81%8.08%7.71%13.63%0.41-32.44%4 - high risk0.92$92,913.64
Schwab Managed Portfolio, Aggressive Growth724.16%24.16%9.24%7.98%16.11%0.39-38.11%5 - very high risk0.92$100,053.89
Time.Inc Money Portfolio 1, Simple and Cheap519.90%19.90%8.02%7.70%10.07%0.51-21.56%3 - medium risk0.94$92,573.39
Time.Inc Money Portfolio 2, Tilt Toward Value719.78%19.78%8.26%7.98%9.94%0.54-20.91%3 - medium risk0.94$100,083.92
Gibson Four Asset Classes422.26%22.26%6.26%6.96%14.40%0.35-40.45%5 - very high risk0.76$75,282.02
Alpha Architect Robust820.10%20.10%8.86%9.70%12.32%0.61-29.92%4 - high risk0.91$160,622.37
Meb Faber GTAA Conservative1117.84%17.84%6.10%8.10%9.83%0.58-21.92%3 - medium risk0.73$103,537.79
Meb Faber GTAA Moderate1120.00%20.00%6.57%8.35%12.71%0.49-32.09%4 - high risk0.74$110,802.81
Meb Faber GAA1018.97%18.97%6.80%7.56%8.31%0.59-15.98%2 - low risk0.84$88,903.62
All Seasons Portfolio817.10%17.10%5.70%7.77%7.20%0.72-4.20%1 - very low risk0.58$94,312.86
TrevH423.21%23.21%10.19%7.98%17.54%0.36-40.84%5 - very high risk0.87$100,109.95
Morningstar Lifetime Allocation Index Aggressive, 20601824.56%24.56%9.90%8.69%16.98%0.42-39.58%5 - very high risk0.91$121,837.52
Morningstar Lifetime Allocation Index Aggressive, 20501824.81%24.81%10.07%8.74%16.84%0.42-39.34%5 - very high risk0.92$123,631.03
Morningstar Lifetime Allocation Index Aggressive, 20401824.89%24.89%10.17%8.79%16.54%0.43-38.68%5 - very high risk0.93$125,053.25
Morningstar Lifetime Allocation Index Aggressive, 20301823.31%23.31%9.58%8.64%14.61%0.46-33.69%4 - high risk0.94$120,145.92
Morningstar Lifetime Allocation Index Aggressive, Income1816.19%16.19%6.95%7.62%8.60%0.58-17.81%2 - low risk0.91$90,425.62
Morningstar Lifetime Allocation Index Moderate, 20601824.02%24.02%9.70%8.67%16.24%0.43-37.69%5 - very high risk0.92$121,094.82
Morningstar Lifetime Allocation Index Moderate, 20501824.16%24.16%9.82%8.70%16.03%0.43-37.23%5 - very high risk0.93$122,307.82
Morningstar Lifetime Allocation Index Moderate, 20401823.48%23.48%9.59%8.65%14.99%0.45-34.58%5 - very high risk0.94$120,477.91
Morningstar Lifetime Allocation Index Moderate, 20301820.33%20.33%8.34%8.24%11.76%0.5-26.08%3 - medium risk0.94$107,427.03
Morningstar Lifetime Allocation Index Moderate, Income1813.78%13.78%5.96%7.16%7.05%0.64-13.00%2 - low risk0.85$79,623.70
Morningstar Lifetime Allocation Index Conservative, 20601823.01%23.01%9.37%8.60%14.93%0.45-33.85%4 - high risk0.92$118,850.00
Morningstar Lifetime Allocation Index Conservative, 20501822.72%22.72%9.27%8.57%14.32%0.46-32.36%4 - high risk0.93$117,838.75
Morningstar Lifetime Allocation Index Conservative, 20401820.45%20.45%8.35%8.25%11.85%0.5-25.86%3 - medium risk0.94$107,858.87
Morningstar Lifetime Allocation Index Conservative, 20301816.53%16.53%6.78%7.59%8.44%0.59-16.47%2 - low risk0.91$89,725.31
Morningstar Lifetime Allocation Index Conservative, Income1811.09%11.09%4.85%6.60%5.69%0.7-7.65%1 - very low risk0.68$68,098.57
Burton Malkiel Portfolio, Mid-Twenties824.66%24.66%9.76%9.01%15.47%0.46-34.95%5 - very high risk0.9$133,157.53
Burton Malkiel Portfolio, Late Thirties to Early Forties824.56%24.56%9.71%9.06%14.88%0.48-33.66%4 - high risk0.91$134,960.30
Burton Malkiel Portfolio, Mid-Fifties824.16%24.16%9.53%9.06%13.70%0.51-31.13%4 - high risk0.91$135,001.91
Burton Malkiel Portfolio, Late Sixties and Beyond822.77%22.77%8.98%8.83%11.71%0.55-26.55%4 - high risk0.91$126,498.47
Dimensional 2030 Target Date Retirement Income Fund818.59%18.59%7.39%7.35%10.37%0.47-23.00%3 - medium risk0.93$83,928.30
Dimensional 2040 Target Date Retirement Income Fund725.75%25.75%9.12%7.69%14.62%0.39-32.72%4 - high risk0.96$92,411.83
Dimensional 2050 Target Date Retirement Income Fund727.10%27.10%10.30%8.33%16.76%0.4-37.84%5 - very high risk0.96$110,277.76
Dimensional 2060 Target Date Retirement Income Fund727.10%27.10%10.30%8.33%16.76%0.4-37.84%5 - very high risk0.96$110,277.76
Dimensional Retirement Income Fund79.54%9.54%4.28%5.50%5.00%0.52-8.22%1 - very low risk0.7$49,881.16
Paul Merriman 2-Fund-Value-Portfolio225.05%25.05%12.16%10.15%16.81%0.5-36.32%5 - very high risk0.87$181,628.39
Paul Merriman 4-Fund-Portfolio426.01%26.01%12.71%10.13%16.90%0.5-35.35%5 - very high risk0.94$180,685.17
Paul Merriman 5-Fund-Value-Portfolio522.10%22.10%10.15%9.42%18.41%0.43-40.36%5 - very high risk0.82$148,767.07
7-Twelve Portfolio Age Based 50-60 by Craig Israelsen1214.12%14.12%5.40%6.73%8.32%0.49-18.12%2 - low risk0.79$70,557.65
7-Twelve Portfolio Age Based 60-70 by Craig Israelsen1211.10%11.10%4.18%5.85%6.37%0.49-13.07%2 - low risk0.78$55,058.12
7-Twelve Portfolio Age Based 70 Plus by Craig Israelsen128.08%8.08%2.92%4.93%4.53%0.49-8.02%1 - very low risk0.74$42,365.62
Dan Solin SuperSmart Portfolio, Low Risk87.77%7.77%3.30%5.84%4.47%0.77-2.57%1 - very low risk0.64$54,852.25
Dan Solin SuperSmart Portfolio, Medium-Low Risk812.02%12.02%5.44%7.05%7.07%0.62-11.82%1 - very low risk0.84$77,140.41
Dan Solin SuperSmart Portfolio, Medium816.27%16.27%7.50%8.13%10.29%0.54-21.06%3 - medium risk0.88$104,316.36
Dan Solin SuperSmart Portfolio, Medium-High Risk820.51%20.51%9.50%9.08%13.70%0.5-30.31%4 - high risk0.88$135,465.72
Dan Solin SuperSmart Portfolio, High Risk724.76%24.76%11.42%9.87%17.19%0.48-39.56%5 - very high risk0.88$168,455.69
Dan Solin The Smartest ETF Portfolio, Low Risk28.18%8.18%2.90%5.24%4.20%0.66-3.03%1 - very low risk0.73$46,268.08
Dan Solin The Smartest ETF Portfolio, Medium-Low Risk212.84%12.84%4.64%5.84%6.93%0.45-12.74%2 - low risk0.91$54,819.79
Dan Solin The Smartest ETF Portfolio, Medium Risk217.49%17.49%6.31%6.29%10.34%0.36-22.46%3 - medium risk0.91$62,282.75
Dan Solin The Smartest ETF Portfolio, Medium-High Risk222.15%22.15%7.92%6.58%13.94%0.32-32.17%4 - high risk0.91$67,641.97
Dan Solin The Smartest ETF Portfolio, High Risk126.80%26.80%9.47%6.69%17.61%0.3-41.88%5 - very high risk0.9$69,869.99
Dan Solin The Smartest Index Portfolio, Low Risk312.67%12.67%5.00%6.62%5.38%0.76-3.79%1 - very low risk0.73$68,435.86
Dan Solin The Smartest Index Portfolio, Medium-Low Risk316.51%16.51%6.63%7.25%7.68%0.6-12.63%2 - low risk0.93$81,715.18
Dan Solin The Smartest Index Portfolio, Medium Risk320.34%20.34%8.19%7.76%10.67%0.5-21.47%3 - medium risk0.97$94,109.79
Dan Solin The Smartest Index Portfolio, Medium-High Risk324.18%24.18%9.70%8.13%13.91%0.43-30.31%4 - high risk0.98$104,308.51
Dan Solin The Smartest Index Portfolio, High Risk228.01%28.01%11.15%8.35%17.26%0.39-39.16%5 - very high risk0.97$110,873.71
TIAA-CREF Lifecycle 2030622.04%22.04%8.97%8.30%12.35%0.49-25.56%3 - medium risk0.97$109,386.11
TIAA-CREF Lifecycle 2040425.26%25.26%10.21%8.65%15.05%0.45-32.62%4 - high risk0.97$120,538.59
TIAA-CREF Lifecycle 2050426.56%26.56%10.71%8.77%16.18%0.43-35.57%5 - very high risk0.97$124,411.43
TIAA-CREF Lifecycle 2060427.02%27.02%10.88%8.81%16.60%0.43-36.65%5 - very high risk0.97$125,752.82
TIAA-CREF Lifecycle Index Retirement Income615.64%15.64%6.50%7.35%7.81%0.61-13.33%2 - low risk0.92$83,980.01
William Bernstein Taxable Ted 100% Stocks426.80%26.80%11.43%8.76%16.30%0.43-37.92%5 - very high risk0.95$124,146.79
William Bernstein Taxable Ted 90/10525.00%25.00%10.67%8.61%14.72%0.45-33.62%4 - high risk0.95$119,095.91
William Bernstein Taxable Ted 80/20523.20%23.20%9.91%8.42%13.16%0.47-29.32%4 - high risk0.95$113,156.60
William Bernstein Taxable Ted 70/30521.41%21.41%9.13%8.21%11.62%0.5-25.03%3 - medium risk0.95$106,534.84
William Bernstein Taxable Ted 60/40519.61%19.61%8.34%7.96%10.12%0.53-20.73%2 - low risk0.95$99,425.41
William Bernstein Taxable Ted 50/50517.82%17.82%7.53%7.68%8.69%0.57-16.43%2 - low risk0.93$92,008.47
William Bernstein Taxable Ted 40/60516.02%16.02%6.72%7.37%7.35%0.63-12.13%1 - very low risk0.9$84,447.13
William Bernstein Taxable Ted 30/70514.23%14.23%5.89%7.04%6.18%0.7-7.84%1 - very low risk0.83$76,885.81
William Bernstein Taxable Ted 20/80512.43%12.43%5.04%6.67%5.28%0.77-3.54%1 - very low risk0.69$69,449.30
William Bernstein Taxable Ted 10/90510.63%10.63%4.19%6.28%4.80%0.8-2.17%1 - very low risk0.44$62,242.48
William Bernstein Taxable Ted 100% Bonds18.84%8.84%3.31%5.87%4.87%0.72-2.66%1 - very low risk0.12$55,350.68
William Bernstein Sheltered Sam 100% Stocks1025.28%25.28%10.97%9.34%16.15%0.47-38.06%5 - very high risk0.92$145,530.74
William Bernstein Sheltered Sam 90/101223.37%23.37%10.27%9.06%14.71%0.48-34.65%5 - very high risk0.92$134,750.55
William Bernstein Sheltered Sam 80/201221.45%21.45%9.56%8.75%13.28%0.49-31.25%4 - high risk0.92$123,801.51
William Bernstein Sheltered Sam 70/301219.54%19.54%8.84%8.41%11.88%0.51-27.84%4 - high risk0.91$112,887.14
William Bernstein Sheltered Sam 60/401217.63%17.63%8.10%8.06%10.51%0.53-24.43%3 - medium risk0.9$102,180.70
William Bernstein Sheltered Sam 50/501215.72%15.72%7.36%7.67%9.19%0.55-21.02%3 - medium risk0.89$91,825.66
William Bernstein Sheltered Sam 40/601213.80%13.80%6.60%7.26%7.94%0.58-17.62%2 - low risk0.86$81,936.79
William Bernstein Sheltered Sam 30/701211.89%11.89%5.83%6.83%6.80%0.6-14.21%2 - low risk0.8$72,601.99
William Bernstein Sheltered Sam 20/80129.98%9.98%5.05%6.38%5.84%0.63-10.80%1 - very low risk0.69$63,884.40
William Bernstein Sheltered Sam 10/90128.07%8.07%4.26%5.90%5.16%0.63-7.39%1 - very low risk0.52$55,824.90
William Bernstein Sheltered Sam 100% Bonds26.16%6.16%3.46%5.40%4.88%0.57-3.99%1 - very low risk0.26$48,444.77
William Bernstein Young Yvonne Portfolio1118.70%18.70%8.06%8.29%10.13%0.57-20.82%2 - low risk0.91$109,029.07
William Bernstein Charlie Cringe Portfolio416.20%16.20%6.55%7.11%8.26%0.55-15.61%2 - low risk0.97$78,560.57
William Bernstein Wendy Wonk Portfolio1118.82%18.82%7.74%7.94%12.71%0.45-28.32%4 - high risk0.88$99,067.16
William Bernstein Between Charlie and Wendy Portfolio617.79%17.79%7.57%7.70%9.62%0.53-19.37%2 - low risk0.96$92,643.31
Goldman Sachs Target Date 2055 Portfolio1025.05%25.05%10.09%8.48%15.36%0.43-35.20%5 - very high risk0.94$114,954.25
Goldman Sachs Target Date 2045 Portfolio1224.44%24.44%9.88%8.46%14.58%0.44-33.25%4 - high risk0.94$114,466.39
Goldman Sachs Target Date 2035 Portfolio1221.74%21.74%8.72%8.07%11.69%0.49-26.10%3 - medium risk0.94$102,602.09
Goldman Sachs Target Date 2025 Portfolio1318.94%18.94%7.68%7.62%9.18%0.54-19.22%2 - low risk0.91$90,512.98
Robo Advisor Betterment 901123.95%23.95%9.81%8.73%16.15%0.43-35.97%5 - very high risk0.92$123,249.30
Robo Advisor Betterment 701020.58%20.58%8.54%8.34%12.90%0.47-27.45%4 - high risk0.92$110,497.55
Robo Advisor Betterment 501017.29%17.29%7.23%7.81%9.79%0.53-19.01%2 - low risk0.89$95,337.73
Robo Advisor Betterment 301212.53%12.53%5.22%6.76%6.51%0.62-9.88%1 - very low risk0.83$71,114.48
Robo Advisor Betterment 20129.76%9.76%4.02%6.08%5.00%0.69-5.10%1 - very low risk0.74$58,695.62
Robo Advisor Betterment 10126.98%6.98%2.79%5.36%3.97%0.78-0.82%1 - very low risk0.49$47,911.68
Robo Advisor Betterment 024.22%4.22%1.56%4.62%3.80%0.67-0.48%1 - very low risk0.05$38,762.57
Rick Ferri Total Economy Core-4 Portfolio Low-Risk412.38%12.38%4.86%6.54%5.16%0.75-3.84%1 - very low risk0.68$66,817.92
Rick Ferri Total Economy Core-4 Portfolio Conservative415.92%15.92%6.34%7.09%7.21%0.6-12.74%2 - low risk0.88$78,153.53
Rick Ferri Total Economy Core-4 Portfolio Moderate419.46%19.46%7.76%7.54%9.99%0.49-21.64%3 - medium risk0.92$88,454.32
Rick Ferri Total Economy Core-4 Portfolio Agressive423.00%23.00%9.12%7.86%13.04%0.43-30.53%4 - high risk0.92$96,658.59
Rick Ferri Global Markets Core-4 Low-Risk412.53%12.53%5.09%6.58%5.18%0.76-3.52%1 - very low risk0.76$67,630.48
Rick Ferri Global Markets Core-4 Conservative416.46%16.46%6.68%7.20%7.57%0.6-12.22%1 - very low risk0.95$80,453.23
Rick Ferri Global Markets Core-4 Moderate420.39%20.39%8.20%7.69%10.57%0.49-20.92%3 - medium risk0.98$92,424.63
Rick Ferri Global Markets Core-4 Aggressive424.32%24.32%9.67%8.06%13.79%0.43-29.62%4 - high risk0.98$102,325.27
Rick Ferri Inflation Fighter Core-4 Portfolio Low-Risk414.29%14.29%6.04%6.78%6.83%0.58-12.21%1 - very low risk0.65$71,544.28
Rick Ferri Inflation Fighter Core-4 Portfolio Conservative417.47%17.47%7.06%7.05%8.53%0.51-19.51%2 - low risk0.84$77,177.34
Rick Ferri Inflation Fighter Core-4 Portfolio Moderate420.65%20.65%8.02%7.20%10.99%0.43-26.80%4 - high risk0.9$80,618.53
Rick Ferri Inflation Fighter Core-4 Portfolio Aggressive423.83%23.83%8.93%7.24%13.81%0.37-34.10%5 - very high risk0.9$81,381.81
Rick Ferri Income Seeker Core-4 Portfolio Low-Risk417.57%17.57%7.45%7.39%7.70%0.6-13.38%2 - low risk0.72$84,908.24
Rick Ferri Income Seeker Core-4 Portfolio Conservative417.39%17.39%8.19%7.74%9.14%0.56-19.01%2 - low risk0.84$93,487.81
Rick Ferri Income Seeker Core-4 Portfolio Moderate417.11%17.11%8.90%8.01%11.00%0.51-24.65%3 - medium risk0.9$100,971.27
Rick Ferri Income Seeker Core-4 Portfolio Aggressive416.66%16.66%9.57%8.22%13.12%0.46-30.29%4 - high risk0.92$106,905.31
Rick Ferri Socially Conscious ESG Core-4 Portfolio Low-Risk415.08%15.08%5.93%7.10%6.02%0.73-5.13%1 - very low risk0.68$78,239.90
Rick Ferri Socially Conscious ESG Core-4 Portfolio Conservative418.37%18.37%7.31%7.59%7.98%0.61-13.43%2 - low risk0.91$89,764.19
Rick Ferri Socially Conscious ESG Core-4 Portfolio Moderate421.66%21.66%8.62%7.96%10.75%0.51-21.73%3 - medium risk0.97$99,441.33
Rick Ferri Socially Conscious ESG Core-4 Portfolio Aggressive423.97%23.97%8.84%7.29%13.56%0.38-32.48%4 - high risk0.91$82,540.47
3 Fund Portfolio 80/20324.37%24.37%9.65%8.07%13.78%0.43-29.65%4 - high risk0.98$102,585.66
3 Fund Portfolio 60/40320.49%20.49%8.15%7.71%10.57%0.5-20.97%3 - medium risk0.98$92,841.07
3 Fund Portfolio 40/60316.60%16.60%6.60%7.22%7.61%0.6-12.30%2 - low risk0.94$80,927.86
3 Fund Portfolio 20/80312.72%12.72%4.99%6.60%5.35%0.76-3.62%1 - very low risk0.73$68,085.89
3 Fund Portfolio Equal Weight320.81%20.81%7.81%7.16%11.67%0.41-24.56%3 - medium risk0.95$79,501.32
Meb Faber IVY 20 portfolio1618.89%18.89%6.73%8.05%13.85%0.44-34.34%5 - very high risk0.76$102,050.67
Paul Merriman Ultimate Buy & Hold Strategy 20101218.82%18.82%8.10%8.33%11.39%0.51-23.69%3 - medium risk0.83$110,415.22
FPL Capital Management Portfolio 10910.41%10.41%4.19%6.43%4.87%0.82-2.08%1 - very low risk0.41$64,789.37
FPL Capital Management Portfolio 20911.98%11.98%5.04%6.95%5.42%0.81-3.78%1 - very low risk0.65$75,167.30
FPL Capital Management Portfolio 30913.56%13.56%5.88%7.46%6.41%0.75-8.19%1 - very low risk0.78$86,462.60
FPL Capital Management Portfolio 40915.13%15.13%6.70%7.93%7.67%0.68-12.60%2 - low risk0.84$98,595.21
FPL Capital Management Portfolio 50916.70%16.70%7.51%8.37%9.09%0.63-17.02%2 - low risk0.87$111,450.48
FPL Capital Management Portfolio 60918.28%18.28%8.30%8.78%10.60%0.59-21.43%3 - medium risk0.88$124,868.36
FPL Capital Management Portfolio 70919.85%19.85%9.07%9.16%12.17%0.56-25.85%3 - medium risk0.89$138,638.78
FPL Capital Management Portfolio 80921.42%21.42%9.82%9.51%13.78%0.53-30.26%4 - high risk0.89$152,497.82
FPL Capital Management Portfolio 90922.99%22.99%10.56%9.82%15.41%0.51-34.67%5 - very high risk0.88$166,124.77
FPL Capital Management Portfolio 100924.57%24.57%11.28%10.10%17.07%0.49-39.09%5 - very high risk0.88$179,140.61
Fundamentum Enhanced Index Focus Moderate521.06%21.06%8.82%8.19%10.92%0.53-21.63%3 - medium risk0.99$106,053.17
Fundamentum Enhanced Index Focus Growth623.66%23.66%8.78%7.00%14.63%0.34-34.52%5 - very high risk0.92$76,028.26
Assetbuilder.com Portfolio 5119.90%9.90%4.27%6.50%4.71%0.78-1.97%1 - very low risk0.56$66,179.15
Assetbuilder.com Portfolio 61211.54%11.54%5.27%7.14%6.05%0.7-6.82%1 - very low risk0.69$79,176.23
Assetbuilder.com Portfolio 71413.47%13.47%6.24%7.66%7.71%0.63-12.11%1 - very low risk0.76$91,521.64
Assetbuilder.com Portfolio 81415.24%15.24%7.15%8.09%9.73%0.56-17.83%2 - low risk0.78$103,199.04
Assetbuilder.com Portfolio 91416.72%16.72%8.02%8.52%11.81%0.51-23.05%3 - medium risk0.77$116,331.42
Assetbuilder.com Portfolio 101218.40%18.40%8.81%8.81%13.92%0.47-28.59%4 - high risk0.76$126,033.03
Assetbuilder.com Portfolio 111219.92%19.92%9.81%9.50%16.13%0.47-33.43%4 - high risk0.76$152,226.40
Assetbuilder.com Portfolio 121121.54%21.54%10.79%10.17%18.51%0.47-38.45%5 - very high risk0.75$182,798.84
Alexander Green Gone Fishin' Portfolio1019.65%19.65%8.67%8.23%14.03%0.43-30.72%4 - high risk0.84$107,304.68
Robo Advisor Wealthsimple Portfolio Conservative714.51%14.51%5.68%7.33%6.38%0.75-6.18%1 - very low risk0.76$83,471.98
Robo Advisor Wealthsimple Portfolio Balanced921.59%21.59%8.39%8.30%11.58%0.52-24.58%3 - medium risk0.95$109,381.53
Robo Advisor Wealthsimple Portfolio Growth925.62%25.62%9.66%8.68%16.19%0.43-36.24%5 - very high risk0.96$121,340.42
Robo Advisor WiseBanyan 90% stocks925.64%25.64%10.10%8.26%15.96%0.41-35.86%5 - very high risk0.95$108,040.45
Robo Advisor WiseBanyan 80% stocks924.00%24.00%9.61%8.20%14.36%0.43-32.22%4 - high risk0.95$106,400.63
Robo Advisor WiseBanyan 70% stocks922.27%22.27%9.05%8.09%12.73%0.46-28.37%4 - high risk0.95$103,035.68
Robo Advisor WiseBanyan 60% stocks920.61%20.61%8.52%7.95%11.23%0.49-24.77%3 - medium risk0.94$99,111.63
Robo Advisor WiseBanyan 50% stocks918.83%18.83%7.93%7.75%9.75%0.53-20.92%3 - medium risk0.92$93,863.28
Robo Advisor WiseBanyan 40% stocks917.07%17.07%7.30%7.53%8.41%0.57-16.94%2 - low risk0.89$88,247.02
Robo Advisor WiseBanyan 30% stocks915.29%15.29%6.58%7.25%7.19%0.62-12.93%2 - low risk0.82$81,568.12
Robo Advisor WiseBanyan 20% stocks913.22%13.22%5.73%6.84%6.05%0.67-8.80%1 - very low risk0.69$72,861.34
Robo Advisor WiseBanyan 13% stocks910.63%10.63%4.55%6.24%5.01%0.72-4.70%1 - very low risk0.54$61,449.77

Asset Allocation of Second Grader Portfolios

Allan Roth Second Grader Five-Fund High-Risk Portfolio                              

  • 54.00%  US Total Stock Market   (VTI)
  • 6.00%    REITs     (VNQ)
  • 27.00%  International All-World ex-US     (VEU)
  • 10.00%  Total US Bond Market    (BND)
  • 3.00%    Precious Metals (GLTR)

Allan Roth Second Grader Five-Fund Low-Risk Portfolio               

  • 18.00%  US Total Stock Market   (VTI)
  • 2.00%    REITs     (VNQ)
  • 10.00%  International All-World ex-US     (VEU)
  • 70.00%  Total US Bond Market    (BND)

Allan Roth Second Grader Five-Fund Medium Risk Portfolio                       

  • 36.00%  US Total Stock Market   (VTI)
  • 4.00%    REITs     (VNQ)
  • 20.00%  International All-World ex-US     (VEU)
  • 40.00%  Total US Bond Market    (BND)

Allan Roth Second Grader High-Risk Portfolio                   

  • 60.00%  US Total Stock Market   (VTI)
  • 30.00%  International All-World ex-US     (VEU)
  • 10.00%  Total US Bond Market    (BND)

Allan Roth Second Grader High Risk with CDs Portfolio                 

  • 60.00%  US Total Stock Market   (VTI)
  • 30.00%  International All-World ex-US     (VEU)
  • 10.00%  Cash (money market fund)          (BIL)

Allan Roth Second Grader Low Portfolio                              

  • 20.00%  US Total Stock Market   (VTI)
  • 10.00%  International All-World ex-US     (VEU)
  • 70.00%  Total US Bond Market    (BND)

Allan Roth Second Grader Low Risk with CDs Portfolio                  

  • 20.00%  US Total Stock Market   (VTI)
  • 10.00%  International All-World ex-US     (VEU)
  • 70.00%  Cash (money market fund)          (BIL)

Allan Roth Second Grader Medium Risk Portfolio                            

  • 40.00%  US Total Stock Market   (VTI)
  • 20.00%  International All-World ex-US     (VEU)
  • 40.00%  Total US Bond Market    (BND)

Allan Roth Second Grader Medium Risk with CDs Portfolio                         

  • 40.00%  US Total Stock Market   (VTI)
  • 20.00%  International All-World ex-US     (VEU)
  • 40.00%  Cash (money market fund)          (BIL)

Alternatives to Second Grader Portfolios

There are a ton of alternatives to the Second Grader Portfolio. The most prominent is the 3 fund portfolio – also a Lazy Portfolios. All of Vanguard’s target date retirement fund use 3-4 fund (they also have an international bond fund). I also consider Rick Ferri’s portfolios to be in the same league as the Allan Roth’s Second Grader Portfolio.

Conclusion

Which portfolio do you use?

After having read up on Allan Roth’s Second Grader Portfolio I encourage you to find other great portfolios right here on portfolioeinstein.com.

If you have suggestions to new portfolios be sure to add them in comments or reach out to me.

I would love hearing from you!

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