Asset Allocation of 332 Investment Portfolios

Here is the asset allocation of all 332 portfolios available on Portfolioeinstein.com. What does a Vanguard target date fund look like? Are they really special?

This is the asset allocation of the portfolios found on portfolioeinstein.com.

We are currently tracking asset allocation and performance of 208 235 332 investment portfolios!

Asset Allocation of 332 Investment Portfolios

This is the asset allocation of the portfolios found on portfolioeinstein.com.

We are currently tracking asset allocation and performance of 208 235 332 investment portfolios!

You can find the best-in-class ETFs here.

The rebalance tool is here.

You can find the returns and risk metrics here.

You can find the best target-date retirement fund in the article What Is The Best ETF And Mutual Fund?

To get an overview of the many target-date fund providers we track you should read the article Target Date Fund Portfolios

If you are looking for lazy portfolios you should read 5 Reasons Why A Lazy Portfolio Is Right For You and Lazy Portfolios to get an overview.

 

7Twelve Portfolio by Craig Israelsen                    

You can find them in the article Craig Israelsen: 7Twelve Portfolio: Too Much Diversification?

 

Allan Roth Second Grader Portfolios

You can find them in the article Allan Roth Second Grader Portfolio: Beating The Hell Outa Wall Street?

 

Alpha Architect Robust Portfolio             

  • 7.50%    US Large Cap Value         (VTV)
  • 7.50%    US Small Cap Value         (VIOV)
  • 10.00%  REITs     (VNQ)
  • 7.50%    International Large Cap Value     (EFV)
  • 20.00%  Intermediate-Term Treasuries       (VGIT)
  • 10.00%  Commodities     (DBC / GSG)
  • 30.00%  Momentum Factor          (MTUM)
  • 7.50%    International Small Cap Value             (DLS)

Wes Gray and Jack Vogel over at AlphaArchitect constructed this portfolio. Alpha Architect normally employs mainly a tactical approach for portfolio construction. Alpha Architect has enjoyed a great deal of success because of their stock selection methodology, which they have documented several places. Among these are

They are all three extremely well researched and all evidence-based approaches to go beyond the buy and hold methodology. Their books are a nerd’s heaven.

 

Balanced Portfolios

You can find them in the article The Balanced Portfolio: Portfolio Grand Daddy

 

Ben Stein’s Perfect Portfolio                     

  • 20.00%  US Total Stock Market   (VTI)
  • 20.00%  US Large Cap      (VV)
  • 4.00%    REITs     (VNQ)
  • 20.00%  International Developed Blend      (VEA)
  • 12.00%  Emerging Markets           (VWO)
  • 20.00%  Cash (money market fund)          (BIL)
  • 4.00%    Energy  (XLE)

Ben Stein is a personal finance columnist and actor. He has written several books on personal finance and investing, the 2 that stand out are The Little Book of Bulletproof Investing: Do’s and Don’ts to Protect Your Financial Life and Yes, You Can Still Retire Comfortably!
The above portfolio is from here.

 

Bill Schultheis’ “Coffeehouse” Portfolio       

You can find them in the article Bill Schultheis: Coffeehouse Portfolio: Relax And Get On With Your Life Portfolio?

 

Bridgewater All Seasons Portfolio                           

  • 18.00%  US Large Cap      (VV)
  • 3.00%    US Small Cap      (VIOO)
  • 6.00%    International Developed Blend      (VEA)
  • 3.00%    Emerging Markets           (VWO)
  • 40.00%  Long Term Treasuries        (TLT)
  • 15.00%  Intermediate-Term Treasuries       (VGIT)
  • 7.50%    Commodities     (DBC / GSG)
  • 7.50%    Gold      (IAU)

This is also called a risk-parity portfolio. Bridgewater is the largest hedge fund manager in the world (2018) and offers this portfolio to guard against all possible economic scenarios. The above portfolio is featured in Meb Faber’s fantastic book Global Asset Allocation: A Survey of the World’s Top Asset Allocation Strategies.

 

Burton Malkiel Portfolios

You can find them in the article Burton Malkiel Portfolio: No Random Returns Here

 

David Booth (DFA) Portfolios

You can find them in the article David Booth Portfolios: Home Runs For Days

 

David Swensen’s Portfolio                         

You can find it in the article David Booth Portfolios: Home Runs For Days

 

Dimensional 2030 Target Date Retirement Income Fund                              

  • 17.50%  US Total Stock Market   (VTI)
  • 17.50%  US Large Cap      (VV)
  • 10.50%  International Developed Blend      (VEA)
  • 5.20%    Emerging Markets           (VWO)
  • 5.20%    International All-World ex-US     (VEU)
  • 6.10%    Short-Term Investment Grade   (VCSH)
  • 31.90%  TIPS       (VTIP)
  • 6.10%    2 Year Global Fixed Income         (BNDX)

Although late to the target-date retirement party DFA has launched a slew of target-date retirement funds. The funds from DFA are uncustomary lacking weighting towards value and small-cap. They also employ a good amount of TIPS. Don’t let that scare you. DFA employs Eugene Fama and Kenneth French on their investing committee. They pioneered the model for describing asset class premia. The impact on investing by Fama cannot be understated and is eloquently detailed in the Myth of the Rational Market by Justin Fox.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Dimensional 2040 Target Date Retirement Income Fund                              

  • 26.00%  US Total Stock Market   (VTI)
  • 26.00%  US Large Cap      (VV)
  • 15.50%  International Developed Blend      (VEA)
  • 7.60%    Emerging Markets           (VWO)
  • 7.70%    International All-World ex-US     (VEU)
  • 8.60%    Short-Term Investment-Grade   (VCSH)
  • 8.60%    2 Year Global Fixed Income         (BNDX)

Although late to the target-date retirement party DFA has launched a slew of target-date retirement funds. The funds from DFA are uncustomary lacking weighting towards value and small-cap. They also employ a good amount of TIPS. Don’t let that scare you. DFA employs Eugene Fama and Kenneth French on their investing committee. They pioneered the model for describing asset class premia. The impact on investing by Fama cannot be understated and is eloquently detailed in the Myth of the Rational Market by Justin Fox.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

Dimensional 2050 Target Date Retirement Income Fund                              

  • 29.80%  US Total Stock Market   (VTI)
  • 29.80%  US Large Cap      (VV)
  • 17.80%  International Developed Blend      (VEA)
  • 8.70%    Emerging Markets           (VWO)
  • 8.90%    International All-World ex-US     (VEU)
  • 2.50%    Short-Term Investment-Grade   (VCSH)
  • 2.50%    2 Year Global Fixed Income         (BNDX)

Although late to the target-date retirement party DFA has launched a slew of target-date retirement funds. The funds from DFA are uncustomary lacking weighting towards value and small-cap. They also employ a good amount of TIPS. Don’t let that scare you. DFA employs Eugene Fama and Kenneth French on their investing committee. They pioneered the model for describing asset class premia. The impact on investing by Fama cannot be understated and is eloquently detailed in the Myth of the Rational Market by Justin Fox.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

Dimensional 2060 Target Date Retirement Income Fund                              

  • 29.80%  US Total Stock Market   (VTI)
  • 29.80%  US Large Cap      (VV)
  • 17.80%  International Developed Blend      (VEA)
  • 8.70%    Emerging Markets           (VWO)
  • 8.90%    International All-World ex-US     (VEU)
  • 2.50%    Short-Term Investment-Grade   (VCSH)
  • 2.50%    2 Year Global Fixed Income         (BNDX)

Although late to the target-date retirement party DFA has launched a slew of target-date retirement funds. The funds from DFA are uncustomary lacking weighting towards value and small-cap. They also employ a good amount of TIPS. Don’t let that scare you. DFA employs Eugene Fama and Kenneth French on their investing committee. They pioneered the model for describing asset class premia. The impact on investing by Fama cannot be understated and is eloquently detailed in the Myth of the Rational Market by Justin Fox.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

Dimensional Retirement Income Fund                  

  • 6.40%    US Total Stock Market   (VTI)
  • 6.40%    US Large Cap      (VV)
  • 3.80%    International Developed Blend      (VEA)
  • 1.90%    Emerging Markets           (VWO)
  • 1.90%    International All-World ex-US     (VEU)
  • 47.60%  TIPS       (VTIP)
  • 32.00%  1 Year Fixed Income       (BSV)

Although late to the target-date retirement party DFA has launched a slew of target-date retirement funds. The funds from DFA are uncustomary lacking weighting towards value and small-cap. They also employ a good amount of TIPS. Don’t let that scare you. DFA employs Eugene Fama and Kenneth French on their investing committee. They pioneered the model for describing asset class premia. The impact on investing by Fama cannot be understated and is eloquently detailed in the Myth of the Rational Market by Justin Fox.

 

Fidelity Freedom Index 2030 (55 years old)                        

  • 51.46%  US Total Stock Market   (VTI)
  • 22.11%  International All-World ex-US     (VEU)
  • 24.03%  Total US Bond Market    (BND)
  • 0.05%    Cash (money market fund)          (BIL)
  • 1.29%    Commodities     (DBC / GSG)
  • 1.06%    TIPS       (VTIP)

Fidelity Investments Inc. offers a slew of target-date retirement funds. Fidelity is a privately owned company being the 4th largest in assets under management. It is featured in the book Fidelity’s World: The Secret Life and Public Power of the Mutual Fund Giant.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

Fidelity Freedom Index 2040 (45 years old)                        

  • 62.11%  US Total Stock Market   (VTI)
  • 26.58%  International All-World ex-US     (VEU)
  • 9.97%    Total US Bond Market    (BND)
  • 0.02%    Cash (money market fund)          (BIL)
  • 1.32%    Commodities     (DBC / GSG)

Fidelity Investments Inc. offers a slew of target-date retirement funds. Fidelity is a privately owned company being the 4th largest in assets under management. It is featured in the book Fidelity’s World: The Secret Life and Public Power of the Mutual Fund Giant.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

Fidelity Freedom Index 2050 (35 years old)                        

  • 62.11%  US Total Stock Market   (VTI)
  • 26.58%  International All-World ex-US     (VEU)
  • 9.97%    Total US Bond Market    (BND)
  • 0.02%    Cash (money market fund)          (BIL)
  • 1.32%    Commodities     (DBC / GSG)

Fidelity Investments Inc. offers a slew of target-date retirement funds. Fidelity is a privately owned company being the 4th largest in assets under management. It is featured in the book Fidelity’s World: The Secret Life and Public Power of the Mutual Fund Giant.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

Fidelity Freedom Index 2060 (25 years old and younger)                              

  • 62.11%  US Total Stock Market   (VTI)
  • 26.58%  International All-World ex-US     (VEU)
  • 9.97%    Total US Bond Market    (BND)
  • 0.02%    Cash (money market fund)          (BIL)
  • 1.32%    Commodities     (DBC / GSG)

Fidelity Investments Inc. offers a slew of target-date retirement funds. Fidelity is a privately owned company being the 4th largest in assets under management. It is featured in the book Fidelity’s World: The Secret Life and Public Power of the Mutual Fund Giant.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

Frank Armstrong Ideal Index Portfolio                  

  • 9.25%    US Large Cap Value         (VTV)
  • 6.25%    US Large Cap      (VV)
  • 9.25%    US Small Cap Value         (VIOV)
  • 6.25%    US Small Cap Growth     (IJT)
  • 8.00%    REITs     (VNQ)
  • 31.00%  International All-World ex-US     (VEU)
  • 30.00%  Short Term Treasuries       (VGSH)

Frank Armstrong is the author of The Informed Investor: A Hype-Free Guide to Constructing a Sound Financial Portfolio. In his book, he presents the Ideal Index Portfolio. Frank Armstrong’s portfolio is tilted towards small-cap and value stocks.

 

Gibson Five Asset Classes                           

  • 20.00%  US Total Stock Market   (VTI)
  • 20.00%  REITs     (VNQ)
  • 20.00%  International All-World ex-US     (VEU)
  • 14.00%  Total US Bond Market    (BND)
  • 20.00%  Commodities     (DBC / GSG)
  • 6.00%    Non-US Bonds   (BNDX)

Roger Gibson, supreme commander of asset classes, offer two portfolios in his excellent book  Asset Allocation: Balancing Financial Risk, Fifth Edition: Balancing Financial Risk. It is the go-to book for all things related to asset allocation. Richard Ferri’s All About Asset Allocation is a close second though less detailed.

 

Gibson Four Asset Classes                          

  • 25.00%  US Large Cap Value         (VTV)
  • 25.00%  REITs     (VNQ)
  • 25.00%  International Developed Blend      (VEA)
  • 25.00%  Commodities     (DBC / GSG)

Roger Gibson, supreme commander of asset classes, offer two portfolios in his excellent book  Asset Allocation: Balancing Financial Risk, Fifth Edition: Balancing Financial Risk. It is the go-to book for all things related to asset allocation. Richard Ferri’s All About Asset Allocation is a close second though less detailed.

 

Harry Markowitz’s “Father of Modern Portfolio Theory” Portfolio                           

  • 50.00%  US Total Stock Market   (VTI)
  • 50.00%  Total US Bond Market    (BND)

Father of Modern Portfolio Theory (MPT) is not as you would expect a puzzle of calculations of mean-variance. Instead, Markowitz has stated he splits his portfolio evenly in bonds and stocks. There is a great piece on Harry Markowitz in Justin Fox’s book The Myth of the Rational Market.

 

Index Fund Advisors Portfolios

You can find them in the article  Index Fund Advisors: Market Beating Portfolios.

 

iShares Lifepath Fund                   

  • 22.09%  US Large Cap      (VV)
  • 4.15%    US Small Cap      (VIOO)
  • 0.51%    REITs     (VNQ)
  • 13.67%  International All-World ex-US     (VEU)
  • 50.82%  Total US Bond Market    (BND)
  • 8.76%    TIPS       (VTIP)

The iShares target-date funds are no-fuzz straight-up simple funds that give you broad exposure with a glide path towards retirement. You can see them here.
iShares is the boutique of ETFs owned by Blackrock Inc. Blackrock is the world’s largest asset manager in the world (6.3 trillion dollars in 2017).
You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

iShares LifePath Index 2030 Fund (55-year-old)                

  • 36.98%  US Large Cap      (VV)
  • 2.32%    US Small Cap      (VIOO)
  • 7.77%    REITs     (VNQ)
  • 1.56%    International Developed Blend      (VEA)
  • 21.20%  International All-World ex-US     (VEU)
  • 26.03%  Total US Bond Market    (BND)
  • 4.14%    TIPS       (VTIP)

The iShares target-date funds are no-fuzz straight-up simple funds that give you broad exposure with a glide path towards retirement. You can see them here.
iShares is the boutique of ETFs owned by Blackrock Inc. Blackrock is the world’s largest asset manager in the world (6.3 trillion dollars in 2017).
You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

iShares LifePath Index 2040 Fund (45-year-old)                

  • 46.60%  US Large Cap      (VV)
  • 1.08%    US Small Cap      (VIOO)
  • 13.03%  REITs     (VNQ)
  • 2.19%    International Developed Blend      (VEA)
  • 26.32%  International All-World ex-US     (VEU)
  • 9.40%    Total US Bond Market    (BND)
  • 1.38%    TIPS       (VTIP)

The iShares target-date funds are no-fuzz straight-up simple funds that give you broad exposure with a glide path towards retirement. You can see them here.
iShares is the boutique of ETFs owned by Blackrock Inc. Blackrock is the world’s largest asset manager in the world (6.3 trillion dollars in 2017).
You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

iShares LifePath Index 2050 Fund (35-year-old)                

  • 50.02%  US Large Cap      (VV)
  • 0.76%    US Small Cap      (VIOO)
  • 16.24%  REITs     (VNQ)
  • 1.13%    International Developed Blend      (VEA)
  • 30.76%  International All-World ex-US     (VEU)
  • 1.09%    Total US Bond Market    (BND)

The iShares target-date funds are no-fuzz straight-up simple funds that give you broad exposure with a glide path towards retirement. You can see them here.
iShares is the boutique of ETFs owned by Blackrock Inc. Blackrock is the world’s largest asset manager in the world (6.3 trillion dollars in 2017).
You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

iShares LifePath Index 2060 Fund (25-year-old)                

  • 49.69%  US Large Cap      (VV)
  • 0.97%    US Small Cap      (VIOO)
  • 16.17%  REITs     (VNQ)
  • 32.15%  International All-World ex-US     (VEU)
  • 1.02%    Total US Bond Market    (BND)

The iShares target-date funds are no-fuzz straight-up simple funds that give you broad exposure with a glide path towards retirement. You can see them here.
iShares is the boutique of ETFs owned by Blackrock Inc. Blackrock is the world’s largest asset manager in the world (6.3 trillion dollars in 2017).
You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

BlackRock Model Portfolio 10% Stocks                 

  • 15.00%  US Total Stock Market   (VTI)
  • 59.00%  Total US Bond Market    (BND)
  • 26.00%  Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 15% Stocks                 

  • 15.00%  US Total Stock Market   (VTI)
  • 5.00%    International All-World ex-US     (VEU)
  • 55.00%  Total US Bond Market    (BND)
  • 25.00%  Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 20% Stocks                 

  • 26.00%  US Total Stock Market   (VTI)
  • 10.00%  International All-World ex-US     (VEU)
  • 41.00%  Total US Bond Market    (BND)
  • 23.00%  Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 36% Stocks                 

  • 28.00%  US Total Stock Market   (VTI)
  • 12.00%  International All-World ex-US     (VEU)
  • 38.00%  Total US Bond Market    (BND)
  • 22.00%  Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 40% Stocks                 

  • 31.00%  US Total Stock Market   (VTI)
  • 20.00%  International All-World ex-US     (VEU)
  • 31.00%  Total US Bond Market    (BND)
  • 18.00%  Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 51% Stocks                 

  • 33.00%  US Total Stock Market   (VTI)
  • 22.00%  International All-World ex-US     (VEU)
  • 33.00%  Total US Bond Market    (BND)
  • 12.00%  Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 55% Stocks                 

  • 31.00%  US Total Stock Market   (VTI)
  • 20.00%  International All-World ex-US     (VEU)
  • 31.00%  Total US Bond Market    (BND)
  • 18.00%  Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 65% Stocks                 

  • 40.00%  US Total Stock Market   (VTI)
  • 25.00%  International All-World ex-US     (VEU)
  • 25.00%  Total US Bond Market    (BND)
  • 10.00%  Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 70% Stocks                 

  • 41.00%  US Total Stock Market   (VTI)
  • 29.00%  International All-World ex-US     (VEU)
  • 22.00%  Total US Bond Market    (BND)
  • 8.00%    Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 80% Stocks                 

  • 44.00%  US Total Stock Market   (VTI)
  • 36.00%  International All-World ex-US     (VEU)
  • 15.00%  Total US Bond Market    (BND)
  • 5.00%    Non-US Bonds   (BNDX)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 85% Stocks                 

  • 48.00%  US Total Stock Market   (VTI)
  • 37.00%  International All-World ex-US     (VEU)
  • 15.00%  Total US Bond Market    (BND)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 91% Stocks                 

  • 50.00%  US Total Stock Market   (VTI)
  • 41.00%  International All-World ex-US     (VEU)
  • 9.00%    Total US Bond Market    (BND)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

BlackRock Model Portfolio 100% Stocks                               

  • 57.00%  US Total Stock Market   (VTI)
  • 43.00%  International All-World ex-US     (VEU)

The BlackRock model portfolio tool is available to advisors building portfolios for their clients. The model portfolios are simple 3-4 fund portfolios so they are easy to implement and maintain. You can try out the tool here. The model portfolios normally use iShares ETFs as building blocks. Using Vanguard ETFs you save slightly on the fees.

 

JL Collins, Simple Path to Wealth, Wealth Building Portfolio                      

  • 100.00%               US Total Stock Market   (VTI)

JL Collins is a personal finance writer and author of the wonderful book The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life. It is highly recommended – also as an audiobook! His basic portfolio consists of one fund, while his preservation portfolio adds a bond fund to the mix. His how-to-invest series on his blog is worth your time.

 

JL Collins, Simple Path to Wealth, Wealth Preservation Portfolio                             

  • 75.00%  US Total Stock Market   (VTI)
  • 25.00%  Total US Bond Market    (BND)

JL Collins is a personal finance writer and author of the wonderful book The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life. It is highly recommended – also as an audiobook! His basic portfolio consists of one fund, while his preservation portfolio adds a bond fund to the mix. His how-to-invest series on his blog is worth your time.

 

The Larry Swedroe Portfolios

These have all gotten a new home over at Larry Swedroe Portfolio: Nemesis of Low Returns

 

Meb Faber’s Global Asset Allocation Portfolio (GAA)                     

  • 18.00%  US Large Cap      (VV)
  • 4.50%    REITs     (VNQ)
  • 13.50%  International Developed Blend      (VEA)
  • 4.50%    Emerging Markets           (VWO)
  • 13.50%  Long Term Treasuries        (TLT)
  • 19.80%  Corporate Bonds              (LQD)
  • 5.00%    Commodities     (DBC / GSG)
  • 5.00%    Gold      (IAU)
  • 1.80%    TIPS       (VTIP)
  • 14.40%  Non-US Bonds   (BNDX)

Meb Faber, Quant and productivity-meister galore regularly backtests portfolios. In his fantastic book Global Asset Allocation: A Survey of the World’s Top Asset Allocation Strategies, he has collected a host of different portfolios playing on the same theme – well-diversified portfolios.

 

Meb Faber’s Global Tactical Asset Allocation (GTAA) Conservative                          

  • 3.75%    US Large Cap Value         (VTV)
  • 3.75%    US Small Cap Value         (VIOV)
  • 15.00%  REITs     (VNQ)
  • 7.50%    International Developed Blend      (VEA)
  • 7.50%    Emerging Markets           (VWO)
  • 10.00%  Long Term Treasuries        (TLT)
  • 10.00%  Intermediate-Term Treasuries       (VGIT)
  • 10.00%  Corporate Bonds              (LQD)
  • 15.00%  Commodities     (DBC / GSG)
  • 10.00%  Non-US Bonds   (BNDX)
  • 7.50%    Momentum Factor          (MTUM)

In his very popular paper A Quantitative Approach to Tactical Asset Allocation Meb Faber, quant and co-founder of Cambria, suggests multiple buy-and-hold portfolios in addition to his now trademark trend following strategy. Meb is known for favoring value and momentum strategies. I recommend all of Meb Faber’s books as he doesn’t waste your time. Some of the best ones include  Global Asset Allocation: A Survey of the World’s Top Asset Allocation Strategies and The Ivy Portfolio: How to Invest Like the Top Endowments and Avoid Bear Markets.

 

Meb Faber’s Global Tactical Asset Allocation (GTAA) Moderate                

  • 5.00%    US Large Cap Value         (VTV)
  • 5.00%    US Small Cap Value         (VIOV)
  • 20.00%  REITs     (VNQ)
  • 10.00%  International Developed Blend      (VEA)
  • 10.00%  Emerging Markets           (VWO)
  • 5.00%    Long Term Treasuries        (TLT)
  • 5.00%    Intermediate-Term Treasuries       (VGIT)
  • 5.00%    Corporate Bonds              (LQD)
  • 20.00%  Commodities     (DBC / GSG)
  • 5.00%    Non-US Bonds   (BNDX)
  • 10.00%  Momentum Factor          (MTUM)

In his very popular paper A Quantitative Approach to Tactical Asset Allocation Meb Faber, quant and co-founder of Cambria, suggests multiple buy-and-hold portfolios in addition to his now trademark trend following strategy. Meb is known for favoring value and momentum strategies. I recommend all of Meb Faber’s books as he doesn’t waste your time. Some of the best ones include  Global Asset Allocation: A Survey of the World’s Top Asset Allocation Strategies and The Ivy Portfolio: How to Invest Like the Top Endowments and Avoid Bear Markets.

 

Meb Faber’s Ivy 10 Portfolio                     

You can find them in the article Meb Faber: Ivy 10 Portfolio: Expand And Conquer Yale And Harvard

 

Meb Faber’s Ivy 5 Portfolio                        

You can find them in the article Meb Faber’s Ivy 10 Portfolio: Expand And Conquer Yale And Harvard

 

Meb Faber IVY 20 portfolio                        

  • 5.00%    US Large Cap      (VV)
  • 5.00%    US Mid Cap         (IJH)
  • 5.00%    US Small Cap      (VIOO)
  • 5.00%    US Micro-Cap     (IWC)
  • 5.00%    REITs (Real Estate)           (VNQ)
  • 5.00%    Int. Developed Blend      (VEA)
  • 5.00%    Emerging Markets           (VWO)
  • 5.00%    Intl Sm Cap Blend             (VSS)
  • 5.00%    Total US Bond Market    (BND)
  • 5.00%    Timber (TREE)
  • 5.00%    Infrastructure
  • 20.00%  Commodities     (DBC / GSG)
  • 5.00%    TIPS       (VTIP)
  • 5.00%    Non-US Bonds   (BNDX)
  • 5.00%    Emerging Markets Small Cap       (EWX)
  • 5.00%    Emerging Market Bonds (VWOB)
  • 5.00%    International REITs (Real Estate) (VNQI)

Co-written with Eric Anderson, Meb Faber’s book The Ivy Portfolio: How to Invest Like the Top Endowments and Avoid Bear Markets lays out a strategy that attempts to mirror the investment portfolios of the Ivy Leagues Endowment fund like Yale, Harvard, and Princeton. Especially Yale’s performance has been envious. Yale’s Endowment is led by David Swensen who also has a recommend portfolio on this site.

 

Meb Faber’s Risk Parity Portfolio                            

  • 7.50%    US Total Stock Market   (VTI)
  • 5.00%    REITs     (VNQ)
  • 7.50%    International All-World ex-US     (VEU)
  • 35.00%  Intermediate-Term Treasuries       (VGIT)
  • 35.00%  Corporate Bonds              (LQD)
  • 5.00%    Commodities     (DBC / GSG)
  • 5.00%    Gold      (IAU)

Meb Faber’s risk parity portfolio from his blog where he compares it to Ray Dalio’s All-Weather Portfolio (also on this site). All of Meb Faber’s books are worth a read and especially Global Asset Allocation: A Survey of the World’s Top Asset Allocation Strategies and The Ivy Portfolio: How to Invest Like the Top Endowments and Avoid Bear Markets.

 

Merrill Lynch Edge Select Portfolio, Conservative                            

  • 8.00%    US Large Cap Value         (VTV)
  • 5.00%    US Large Cap Growth     (VUG)
  • 1.00%    US Small Cap Value         (VIOV)
  • 1.00%    US Small Cap Growth     (IJT)
  • 1.00%    Emerging Markets           (VWO)
  • 5.00%    International All-World ex-US     (VEU)
  • 17.00%  Intermediate-Term Treasuries       (VGIT)
  • 24.00%  Cash (money market fund)          (BIL)
  • 10.00%  Corporate Bonds              (LQD)
  • 4.00%    High Yield Corporate Bonds         (HYG / JNK)
  • 12.00%  Non-US Bonds   (BNDX)
  • 12.00%  Mortgages (VMBS)

Merrill Lynch offers these portfolios through their Select Edge Portfolios. Their portfolios are some of the more complex ones with many asset classes. They are also the only ones including mortgages in their portfolios as a distinct asset class. In addition, their most aggressive portfolio holds 16% in bonds/cash which is unusual for that level of risk.

 

Merrill Lynch Edge Select Portfolio, Moderately Conservative                   

  • 9.00%    US Large Cap Value         (VTV)
  • 14.00%  US Large Cap Growth     (VUG)
  • 1.00%    US Small Cap Value         (VIOV)
  • 1.00%    US Small Cap Growth     (IJT)
  • 3.00%    Emerging Markets           (VWO)
  • 9.00%    International All-World ex-US     (VEU)
  • 17.00%  Intermediate-Term Treasuries       (VGIT)
  • 2.00%    Cash (money market fund)          (BIL)
  • 15.00%  Corporate Bonds              (LQD)
  • 5.00%    High Yield Corporate Bonds         (HYG / JNK)
  • 9.00%    Non-US Bonds   (BNDX)
  • 15.00%  Mortgages (VMBS)

Merrill Lynch offers these portfolios through their Select Edge Portfolios. Their portfolios are some of the more complex ones with many asset classes. They are also the only ones including mortgages in their portfolios as a distinct asset class. In addition, their most aggressive portfolio holds 16% in bonds/cash which is unusual for that level of risk.

 

Merrill Lynch Edge Select Portfolio, Moderate  

  • 12.00%  US Large Cap Value         (VTV)
  • 19.00%  US Large Cap Growth     (VUG)
  • 2.00%    US Small Cap Value         (VIOV)
  • 2.00%    US Small Cap Growth     (IJT)
  • 5.00%    Emerging Markets           (VWO)
  • 13.00%  International All-World ex-US     (VEU)
  • 14.00%  Intermediate-Term Treasuries       (VGIT)
  • 2.00%    Cash (money market fund)          (BIL)
  • 14.00%  Corporate Bonds              (LQD)
  • 4.00%    High Yield Corporate Bonds         (HYG / JNK)
  • 2.00%    Non-US Bonds   (BNDX)
  • 11.00%  Mortgages (VMBS)

Merrill Lynch offers these portfolios through their Select Edge Portfolios. Their portfolios are some of the more complex ones with many asset classes. They are also the only ones including mortgages in their portfolios as a distinct asset class. In addition, their most aggressive portfolio holds 16% in bonds/cash which is unusual for that level of risk.

 

Merrill Lynch Edge Select Portfolio, Moderately Aggressive                       

  • 16.00%  US Large Cap Value         (VTV)
  • 25.00%  US Large Cap Growth     (VUG)
  • 2.00%    US Small Cap Value         (VIOV)
  • 2.00%    US Small Cap Growth     (IJT)
  • 7.00%    Emerging Markets           (VWO)
  • 17.00%  International All-World ex-US     (VEU)
  • 9.00%    Intermediate-Term Treasuries       (VGIT)
  • 2.00%    Cash (money market fund)          (BIL)
  • 9.00%    Corporate Bonds              (LQD)
  • 3.00%    High Yield Corporate Bonds         (HYG / JNK)
  • 1.00%    Non-US Bonds   (BNDX)
  • 7.00%    Mortgages (VMBS)

Merrill Lynch offers these portfolios through their Select Edge Portfolios. Their portfolios are some of the more complex ones with many asset classes. They are also the only ones including mortgages in their portfolios as a distinct asset class. In addition, their most aggressive portfolio holds 16% in bonds/cash which is unusual for that level of risk.

 

Merrill Lynch Edge Select Portfolio, Aggressive                

  • 19.00%  US Large Cap Value         (VTV)
  • 29.00%  US Large Cap Growth     (VUG)
  • 3.00%    US Small Cap Value         (VIOV)
  • 3.00%    US Small Cap Growth     (IJT)
  • 9.00%    Emerging Markets           (VWO)
  • 21.00%  International All-World ex-US     (VEU)
  • 5.00%    Intermediate-Term Treasuries       (VGIT)
  • 2.00%    Cash (money market fund)          (BIL)
  • 4.00%    Corporate Bonds              (LQD)
  • 1.00%    High Yield Corporate Bonds         (HYG / JNK)
  • 1.00%    Non-US Bonds   (BNDX)
  • 3.00%    Mortgages (VMBS)

Merrill Lynch offers these portfolios through their Select Edge Portfolios. Their portfolios are some of the more complex ones with many asset classes. They are also the only ones including mortgages in their portfolios as a distinct asset class. In addition, their most aggressive portfolio holds 16% in bonds/cash which is unusual for that level of risk.

 

Morningstar Portfolios, including portfolios made by Christine Benz

You can find all the Morningstar portfolios over at Morningstar Portfolios: A Laser Beam On Your Returns

 

Muhammad El-Erian’s Portfolio               

  • 18.00%  US Total Stock Market   (VTI)
  • 13.00%  REITs     (VNQ)
  • 18.00%  International Developed Blend      (VEA)
  • 15.00%  Emerging Markets           (VWO)
  • 6.00%    Long Term Treasuries        (TLT)
  • 11.00%  Total US Bond Market    (BND)
  • 13.00%  Commodities     (DBC / GSG)
  • 6.00%    TIPS       (VTIP)

Mohamed El-Erian is the former CEO of the PIMCO. PIMCO has 1.7 Trillion dollars under management. In El-Erian’s book When Markets Collide: Investment Strategies for the Age of Global Economic Change, he presents a shock-absorbent long-term portfolio. He is often attributed to coming up with the expression “new normal” in the post-financial crisis.

 

Paul Merriman’s Portfolios

You can find them in the article Paul Merriman Portfolios: Unbiased Outperformance

 

Paul Merriman’s Ultimate Portfolio                       

You can find them in the article Paul Merriman Portfolios: Unbiased Outperformance and Paul Merriman’s Ultimate Portfolio: 10 X 10 = Winner?

This is the portfolio that Paul Merriman features on MarketWatch. It shows the power of diversification that brings home very good returns while keeping risk in check.

 

Rick Ferri Portfolios

You can find them in the article Rick Ferri Portfolio, Can It Bring You Enough Returns?

 

Rob Arnott’s Portfolio                  

  • 10.00%  US Large Cap      (VV)
  • 10.00%  REITs     (VNQ)
  • 10.00%  International All-World ex-US     (VEU)
  • 10.00%  Long Term Treasuries        (TLT)
  • 20.00%  Corporate Bonds              (LQD)
  • 10.00%  Commodities     (DBC / GSG)
  • 10.00%  TIPS       (VTIP)
  • 20.00%  Non-US Bonds   (BNDX)

Robert Arnott of Research Affiliates has proposed this portfolio in an article. Rob Arnott is a strong advocate for smart beta strategies his book The Fundamental Index: A Better Way to Invest explains how to get better returns from a factor-based index than a market cap-weighted index can provide.

 

Robo advisor Betterment 100                     

  • 34.60%  US Total Stock Market   (VTI)
  • 9.20%    US Large Cap Value         (VTV)
  • 7.50%    US Mid Cap Value            (JKI)
  • 6.40%    US Small Cap Value         (VIOV)
  • 27.30%  International Developed Blend      (VEA)
  • 15.00%  Emerging Markets           (VWO)

Betterment is probably the most well-known fintech company. It started the robo-advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo Advisor Betterment 90                     

  • 30.90%  US Total Stock Market   (VTI)
  • 8.20%    US Large Cap Value         (VTV)
  • 6.70%    US Mid Cap Value            (JKI)
  • 5.70%    US Small Cap Value         (VIOV)
  • 24.60%  Int. Developed Blend      (VEA)
  • 14.00%  Emerging Markets           (VWO)
  • 3.50%    Total US Bond Market    (BND)
  • 0.60%    Cash (money market fund)          (BIL)
  • 1.20%    TIPS       (VTIP)
  • 2.90%    Non-US Bonds   (BNDX)
  • 1.70%    Emerging Market Bonds (VWOB)

Betterment is probably the most well-known fintech company. It started the robo-advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo advisor Betterment 80                       

  • 27.00%  US Total Stock Market   (VTI)
  • 7.20%    US Large Cap Value         (VTV)
  • 5.90%    US Mid Cap Value            (JKI)
  • 5.00%    US Small Cap Value         (VIOV)
  • 22.10%  International Developed Blend      (VEA)
  • 12.80%  Emerging Markets           (VWO)
  • 6.80%    Total US Bond Market    (BND)
  • 2.40%    TIPS       (VTIP)
  • 7.20%    Non-US Bonds   (BNDX)
  • 3.60%    Emerging Market Bonds (EMB / VWOB)

Betterment is probably the most well-known fintech company. It started the robo advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo advisor phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo Advisor Betterment 70                     

  • 23.40%  US Total Stock Market   (VTI)
  • 6.30%    US Large Cap Value         (VTV)
  • 5.10%    US Mid Cap Value            (JKI)
  • 4.30%    US Small Cap Value         (VIOV)
  • 19.30%  Int. Developed Blend      (VEA)
  • 11.60%  Emerging Markets           (VWO)
  • 9.80%    Total US Bond Market    (BND)
  • 3.80%    TIPS       (VTIP)
  • 10.90%  Non-US Bonds   (BNDX)
  • 5.50%    Emerging Market Bonds (VWOB)

Betterment is probably the most well-known fintech company. It started the robo-advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo advisor Betterment 60                       

  • 19.80%  US Total Stock Market   (VTI)
  • 5.30%    US Large Cap Value         (VTV)
  • 4.30%    US Mid Cap Value            (JKI)
  • 3.60%    US Small Cap Value         (VIOV)
  • 16.70%  International Developed Blend      (VEA)
  • 10.30%  Emerging Markets           (VWO)
  • 12.30%  Total US Bond Market    (BND)
  • 5.00%    TIPS       (VTIP)
  • 14.70%  Non-US Bonds   (BNDX)
  • 8.00%    Emerging Market Bonds (EMB / VWOB)

Betterment is probably the most well-known fintech company. It started the robo advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo advisor phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo Advisor Betterment 50                     

  • 16.20%  US Total Stock Market   (VTI)
  • 4.40%    US Large Cap Value         (VTV)
  • 3.60%    US Mid Cap Value            (JKI)
  • 3.00%    US Small Cap Value         (VIOV)
  • 13.70%  Int. Developed Blend      (VEA)
  • 9.00%    Emerging Markets           (VWO)
  • 14.70%  Total US Bond Market    (BND)
  • 6.30%    TIPS       (VTIP)
  • 18.40%  Non-US Bonds   (BNDX)
  • 10.70%  Emerging Market Bonds (VWOB)

Betterment is probably the most well-known fintech company. It started the robo-advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo advisor Betterment 40                       

  • 12.90%  US Total Stock Market   (VTI)
  • 3.40%    US Large Cap Value         (VTV)
  • 2.80%    US Mid Cap Value            (JKI)
  • 2.40%    US Small Cap Value         (VIOV)
  • 11.10%  International Developed Blend      (VEA)
  • 7.40%    Emerging Markets           (VWO)
  • 7.00%    Short Term Treasuries       (VGSH)
  • 15.10%  Total US Bond Market    (BND)
  • 6.60%    TIPS       (VTIP)
  • 19.50%  Non-US Bonds   (BNDX)
  • 11.80%  Emerging Market Bonds (EMB / VWOB)

Betterment is probably the most well-known fintech company. It started the robo advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo advisor phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo Advisor Betterment 30                     

  • 9.50%    US Total Stock Market   (VTI)
  • 2.60%    US Large Cap Value         (VTV)
  • 2.10%    US Mid Cap Value            (JKI)
  • 1.80%    US Small Cap Value         (VIOV)
  • 8.30%    Int. Developed Blend      (VEA)
  • 5.60%    Emerging Markets           (VWO)
  • 24.20%  Short Term Treasury       (VGSH)
  • 11.40%  Total US Bond Market    (BND)
  • 6.10%    Short-Term Bonds
  • 6.10%    Short-Term Investment-Grade   (VCSH)
  • 5.00%    TIPS       (VTIP)
  • 14.60%  Non-US Bonds   (BNDX)
  • 8.80%    Emerging Market Bonds (VWOB)

Betterment is probably the most well-known fintech company. It started the robo-advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo Advisor Betterment 20                     

  • 6.30%    US Total Stock Market   (VTI)
  • 1.70%    US Large Cap Value         (VTV)
  • 1.40%    US Mid Cap Value            (JKI)
  • 1.20%    US Small Cap Value         (VIOV)
  • 5.60%    Int. Developed Blend      (VEA)
  • 3.70%    Emerging Markets           (VWO)
  • 42.80%  Short Term Treasury       (VGSH)
  • 7.60%    Total US Bond Market    (BND)
  • 10.70%  Short-Term Bonds
  • 10.70%  Short-Term Investment-Grade   (VCSH)
  • 3.30%    TIPS       (VTIP)
  • 9.80%    Non-US Bonds   (BNDX)
  • 5.90%    Emerging Market Bonds (VWOB)

Betterment is probably the most well-known fintech company. It started the robo-advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo Advisor Betterment 10                     

  • 3.20%    US Total Stock Market   (VTI)
  • 0.90%    US Large Cap Value         (VTV)
  • 0.50%    US Mid Cap Value            (JKI)
  • 0.60%    US Small Cap Value         (VIOV)
  • 2.80%    Int. Developed Blend      (VEA)
  • 1.90%    Emerging Markets           (VWO)
  • 61.40%  Short Term Treasury       (VGSH)
  • 3.80%    Total US Bond Market    (BND)
  • 15.40%  Short-Term Bonds
  • 15.40%  Short-Term Investment-Grade   (VCSH)
  • 1.70%    TIPS       (VTIP)
  • 4.90%    Non-US Bonds   (BNDX)
  • 2.90%    Emerging Market Bonds (VWOB)

Betterment is probably the most well-known fintech company. It started the robo-advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo Advisor Betterment 0 = 100% Bonds                          

  • 80.00%  Short Term Treasury       (VGSH)
  • 20.00%  Short-Term Bonds
  • 20.00%  Short-Term Investment-Grade   (VCSH)

Betterment is probably the most well-known fintech company. It started the robo-advisor phenomenon. They have 13 Billion assets under management as per 2017. Their portfolios are well diversified and are some of the few that have emerging market bonds as an asset class. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo advisor Wealthfront 100                   

  • 20.00%  US Total Stock Market   (VTI)
  • 5.00%    US Large Cap Value         (VTV)
  • 16.00%  REITs     (VNQ)
  • 18.00%  International Developed Blend      (VEA)
  • 31.00%  Emerging Markets           (VWO)
  • 5.00%    Corporate Bonds              (LQD)
  • 5.00%    Emerging Market Bonds (EMB / VWOB)

The robo advisor firm came late to the robo advisor party but have enjoyed an immense amount of success. One of the giants of the investment world, Burton Malkiel, author of A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing, is the Chief Investment Officer at Wealthfront. Charles Ellis, another investing giant, and author of Winning the Loser’s Game, Seventh Edition: Timeless Strategies for Successful Investing is on the advisory board. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo advisor Wealthfront 80                     

  • 22.00%  US Total Stock Market   (VTI)
  • 15.00%  US Large Cap Value         (VTV)
  • 15.00%  REITs     (VNQ)
  • 19.00%  International Developed Blend      (VEA)
  • 16.00%  Emerging Markets           (VWO)
  • 6.00%    Corporate Bonds              (LQD)
  • 7.00%    Emerging Market Bonds (EMB / VWOB)

The robo advisor firm came late to the robo advisor party but have enjoyed an immense amount of success. One of the giants of the investment world, Burton Malkiel, author of A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing, is the Chief Investment Officer at Wealthfront. Charles Ellis, another investing giant, and author of Winning the Loser’s Game, Seventh Edition: Timeless Strategies for Successful Investing is on the advisory board. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

Robo advisor Wealthfront 60                     

  • 19.00%  US Total Stock Market   (VTI)
  • 15.00%  US Large Cap Value         (VTV)
  • 11.00%  REITs     (VNQ)
  • 16.00%  International Developed Blend      (VEA)
  • 12.00%  Emerging Markets           (VWO)
  • 19.00%  Corporate Bonds              (LQD)
  • 8.00%    Emerging Market Bonds (EMB / VWOB)

The robo advisor firm came late to the robo advisor party but have enjoyed an immense amount of success. One of the giants of the investment world, Burton Malkiel, author of A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing, is the Chief Investment Officer at Wealthfront. Charles Ellis, another investing giant, and author of Winning the Loser’s Game, Seventh Edition: Timeless Strategies for Successful Investing is on the advisory board. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

Robo advisor Wealthfront 40                     

  • 18.00%  US Total Stock Market   (VTI)
  • 15.00%  US Large Cap Value         (VTV)
  • 6.00%    REITs     (VNQ)
  • 12.00%  International Developed Blend      (VEA)
  • 8.00%    Emerging Markets           (VWO)
  • 31.00%  Corporate Bonds              (LQD)
  • 10.00%  Emerging Market Bonds (EMB / VWOB)

The robo advisor firm came late to the robo advisor party but have enjoyed an immense amount of success. One of the giants of the investment world, Burton Malkiel, author of A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing, is the Chief Investment Officer at Wealthfront. Charles Ellis, another investing giant, and author of Winning the Loser’s Game, Seventh Edition: Timeless Strategies for Successful Investing is on the advisory board. If you want to gain a greater insight into the robo-advisory phenomenon I recommend picking up FinTech Innovation: From Robo-Advisors to Goal-Based Investing and Gamification.

 

S&P 500                               

  • 100.00%               US Large Cap      (VOO)

This is the most common benchmark. This is what active managers are trying to beat when they are trying to beat the “market”. It consists of the 500 largest companies in the U.S. based on market capitalization. It was the first index to be passively indexed and tracked by a fund. This was done by the Vanguard Index Trust, later renamed to Vanguard 500 Index Fund. John Bogle founder of Vanguard describes this it in his book Common Sense on Mutual Funds.

 

Schwab Managed Portfolios     

These can be found in our article Schwab Managed Portfolios, Are They Worth The Price?

 

Schwab Target Date Fund 2020 (25 years old)

  • 50.32%  US Large Cap      (VV)
  • 6.84%    US Small Cap      (VIOO)
  • 4.82%    REITs     (VNQ)
  • 7.63%    Emerging Markets           (VWO)
  • 26.13%  International All-World ex-US     (VEU)
  • 0.18%    Short Term Treasuries       (VGSH)
  • 4.08%    Total US Bond Market    (BND)

This is part of Charles Schwab’s target-date funds. They can be bought as one-fund solutions.

Charles Schwab founded his business in 1971 and is now one of the largest banks with a brokerage and an ETF business. Schwab brokerage offer to manage your portfolios according to your risk level using a number of portfolios. Schwab also offers one-fund target-date retirement funds. The Charles Schwab story is interesting in itself and is vividly described in Charles Schwab: How One Company Beat Wall Street and Reinvented the Brokerage Industry.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Schwab Target Date Fund 2030 (35 years old)                   

  • 48.43%  US Large Cap      (VV)
  • 6.24%    US Small Cap      (VIOO)
  • 4.57%    REITs     (VNQ)
  • 6.90%    Emerging Markets           (VWO)
  • 25.02%  International All-World ex-US     (VEU)
  • 0.30%    Short Term Treasuries       (VGSH)
  • 7.73%    Total US Bond Market    (BND)
  • 0.81%    Cash (money market fund)          (BIL)

This is part of Charles Schwab’s target-date funds. They can be bought as one-fund solutions.

Charles Schwab founded his business in 1971 and is now one of the largest banks with a brokerage and an ETF business. Schwab brokerage offer to manage your portfolios according to your risk level using a number of portfolios. Schwab also offers one-fund target-date retirement funds. The Charles Schwab story is interesting in itself and is vividly described in Charles Schwab: How One Company Beat Wall Street and Reinvented the Brokerage Industry.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Schwab Target Date Fund 2030 (55 years old)                   

  • 39.28%  US Large Cap      (VV)
  • 3.65%    US Small Cap      (VIOO)
  • 3.44%    REITs     (VNQ)
  • 3.49%    Emerging Markets           (VWO)
  • 18.65%  International All-World ex-US     (VEU)
  • 1.92%    Short Term Treasuries       (VGSH)
  • 26.46%  Total US Bond Market    (BND)
  • 3.11%    Cash (money market fund)          (BIL)

This is part of Charles Schwab’s target-date funds. They can be bought as one-fund solutions.

Charles Schwab founded his business in 1971 and is now one of the largest banks with a brokerage and an ETF business. Schwab brokerage offer to manage your portfolios according to your risk level using a number of portfolios. Schwab also offers one-fund target-date retirement funds. The Charles Schwab story is interesting in itself and is vividly described in Charles Schwab: How One Company Beat Wall Street and Reinvented the Brokerage Industry.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Schwab Target Date Fund 2040 (45 years old)                   

  • 45.46%  US Large Cap      (VV)
  • 5.15%    US Small Cap      (VIOO)
  • 4.20%    REITs     (VNQ)
  • 5.64%    Emerging Markets           (VWO)
  • 22.95%  International All-World ex-US     (VEU)
  • 0.74%    Short Term Treasuries       (VGSH)
  • 14.62%  Total US Bond Market    (BND)
  • 1.24%    Cash (money market fund)          (BIL)

This is part of Charles Schwab’s target-date funds. They can be bought as one-fund solutions.

Charles Schwab founded his business in 1971 and is now one of the largest banks with a brokerage and an ETF business. Schwab brokerage offer to manage your portfolios according to your risk level using a number of portfolios. Schwab also offers one-fund target-date retirement funds. The Charles Schwab story is interesting in itself and is vividly described in Charles Schwab: How One Company Beat Wall Street and Reinvented the Brokerage Industry.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Scott Adams Dilbert’s Portfolio                

  • 50.00%  US Total Stock Market   (VTI)
  • 50.00%  Emerging Markets           (VWO)

Scott Adams, author of the comic strip Dilbert suggested this simple portfolio. As of 2017, it is the 3rd best performing portfolio on portfolioeinstein.com. It is also the one with the highest standard deviation. Scott Adams’ portfolio is as interesting as his own life has been. He has written a wonderful little book,  How to Fail at Almost Everything and Still Win Big: Kind of the Story of My Life that teaches that failure is really the preamble to success. This goes for investing as well.

 

Scott Burns Couch Potato                           

You can find them in the article The Couch Potato Portfolio: Two Fund Supremacy?

 

Scott Burns Margaritaville                          

  • 33.33%  US Total Stock Market   (VTI)
  • 33.33%  International All-World ex-US     (VEU)
  • 33.33%  TIPS       (VTIP)

Scott Burns, author of Spend ‘Til the End: The Revolutionary Guide to Raising Your Living Standard is a newspaper columnist and author who has covered personal finance and investments for over 30 years. He is known for creating the Couch Potato Portfolio investment strategy. In addition to the now-famous Couch Potato Portfolio, he suggests 8 other portfolios on his AssetBuilder asset manager site. The 9 portfolios have a hierarchical nature to them each adding another asset class. We have them profiled in the article The Couch Potato Portfolio: Two Fund Supremacy?

 

Scott Burns Four Square                              

  • 25.00%  US Total Stock Market   (VTI)
  • 25.00%  International All-World ex-US     (VEU)
  • 25.00%  TIPS       (VTIP)
  • 25.00%  Non-US Bonds   (BNDX)

Scott Burns, author of Spend ‘Til the End: The Revolutionary Guide to Raising Your Living Standard is a newspaper columnist and author who has covered personal finance and investments for over 30 years. He is known for creating the Couch Potato Portfolio investment strategy. In addition to the now-famous Couch Potato Portfolio, he suggests 8 other portfolios on his AssetBuilder asset manager site. The 9 portfolios have a hierarchical nature to them each adding another asset class. We have them profiled in the article The Couch Potato Portfolio: Two Fund Supremacy?

 

Scott Burns Five Fold                    

  • 20.00%  US Total Stock Market   (VTI)
  • 20.00%  REITs     (VNQ)
  • 20.00%  International All-World ex-US     (VEU)
  • 20.00%  TIPS       (VTIP)
  • 20.00%  Non-US Bonds   (BNDX)

Scott Burns, author of Spend ‘Til the End: The Revolutionary Guide to Raising Your Living Standard is a newspaper columnist and author who has covered personal finance and investments for over 30 years. He is known for creating the Couch Potato Portfolio investment strategy. In addition to the now-famous Couch Potato Portfolio, he suggests 8 other portfolios on his AssetBuilder asset manager site. The 9 portfolios have a hierarchical nature to them each adding another asset class. We have them profiled in the article The Couch Potato Portfolio: Two Fund Supremacy?

 

Scott Burns Six Ways from Sunday                          

  • 16.70%  US Total Stock Market   (VTI)
  • 16.66%  REITs     (VNQ)
  • 16.66%  International All-World ex-US     (VEU)
  • 16.66%  Energy  (XLE)
  • 16.66%  TIPS       (VTIP)
  • 16.66%  Non-US Bonds   (BNDX)

Scott Burns, author of Spend ‘Til the End: The Revolutionary Guide to Raising Your Living Standard is a newspaper columnist and author who has covered personal finance and investments for over 30 years. He is known for creating the Couch Potato Portfolio investment strategy. In addition to the now-famous Couch Potato Portfolio, he suggests 8 other portfolios on his AssetBuilder asset manager site. The 9 portfolios have a hierarchical nature to them each adding another asset class. We have them profiles in the article The Couch Potato Portfolio: Two Fund Supremacy?

 

Scott Burns Seven Value Portfolio                          

  • 14.50%  US Total Stock Market   (VTI)
  • 14.25%  US Large Cap Value         (VTV)
  • 14.25%  REITs     (VNQ)
  • 14.25%  International All-World ex-US     (VEU)
  • 14.25%  Energy  (XLE)
  • 14.25%  TIPS       (VTIP)
  • 14.25%  Non-US Bonds   (BNDX)

Scott Burns, author of Spend ‘Til the End: The Revolutionary Guide to Raising Your Living Standard is a newspaper columnist and author who has covered personal finance and investments for over 30 years. He is known for creating the “Couch Potato Portfolio” investment strategy. In addition to the now-famous couch potato portfolio, he suggests 9 other portfolios on his AssetBuilder asset manager site. The 9 portfolios have a hierarchical nature to them each adding another asset class.

 

Scott Burns Seven Value 2 Portfolio                       

  • 12.50%  US Total Stock Market   (VTI)
  • 12.50%  US Large Cap Value         (VTV)
  • 12.50%  US Small Cap Value         (VIOV)
  • 12.50%  REITs     (VNQ)
  • 12.50%  International All-World ex-US     (VEU)
  • 12.50%  Energy  (XLE)
  • 12.50%  TIPS       (VTIP)
  • 12.50%  Non-US Bonds   (BNDX)

Scott Burns, author of Spend ‘Til the End: The Revolutionary Guide to Raising Your Living Standard is a newspaper columnist and author who has covered personal finance and investments for over 30 years. He is known for creating the Couch Potato Portfolio investment strategy. In addition to the now-famous Couch Potato Portfolio, he suggests 8 other portfolios on his AssetBuilder asset manager site. The 9 portfolios have a hierarchical nature to them each adding another asset class. We have them profiled in the article The Couch Potato Portfolio: Two Fund Supremacy?

 

Scott Burns Nine Emerging Portfolio                      

  • 11.12%  US Total Stock Market   (VTI)
  • 11.11%  US Large Cap Value         (VTV)
  • 11.11%  US Small Cap Value         (VIOV)
  • 11.11%  REITs     (VNQ)
  • 11.11%  Emerging Markets           (VWO)
  • 11.11%  International All-World ex-US     (VEU)
  • 11.11%  Energy  (XLE)
  • 11.11%  TIPS       (VTIP)
  • 11.11%  Non-US Bonds   (BNDX)

Scott Burns, author of Spend ‘Til the End: The Revolutionary Guide to Raising Your Living Standard is a newspaper columnist and author who has covered personal finance and investments for over 30 years. He is known for creating the Couch Potato Portfolio investment strategy. In addition to the now-famous Couch Potato Portfolio, he suggests 8 other portfolios on his AssetBuilder asset manager site. The 9 portfolios have a hierarchical nature to them each adding another asset class. We have them profiled in the article The Couch Potato Portfolio: Two Fund Supremacy?

 

Scott Burns 10 Speed Portfolio                 

  • 10.00%  US Total Stock Market   (VTI)
  • 10.00%  US Large Cap Value         (VTV)
  • 10.00%  US Small Cap Value         (VIOV)
  • 10.00%  REITs     (VNQ)
  • 10.00%  Emerging Markets           (VWO)
  • 10.00%  International All-World ex-US     (VEU)
  • 10.00%  International Large Cap Value     (EFV)
  • 10.00%  Energy  (XLE)
  • 10.00%  TIPS       (VTIP)
  • 10.00%  Non-US Bonds   (BNDX)

Scott Burns, author of Spend ‘Til the End: The Revolutionary Guide to Raising Your Living Standard is a newspaper columnist and author who has covered personal finance and investments for over 30 years. He is known for creating the Couch Potato Portfolio investment strategy. In addition to the now-famous Couch Potato Portfolio, he suggests 8 other portfolios on his AssetBuilder asset manager site. The 9 portfolios have a hierarchical nature to them each adding another asset class. We have them profiled in the article The Couch Potato Portfolio: Two Fund Supremacy?

 

T. Rowe Price ActivePlus Portfolio, Model 10

  • 7.00%    US Large Cap      (VV)
  • 3.00%    International Developed Blend      (VEA)
  • 10.00%  Short Term Treasuries       (VGSH)
  • 60.00%  Total US Bond Market    (BND)
  • 20.00%  TIPS       (VTIP)

T. Rowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

T. Rowe Price ActivePlus Portfolio, Model 20

  • 14.00%  US Large Cap      (VV)
  • 6.00%    International Developed Blend      (VEA)
  • 60.00%  Total US Bond Market    (BND)
  • 20.00%  TIPS       (VTIP)

T. Rowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

T. Rowe Price ActivePlus Portfolio, Model 30

  • 21.00%  US Total Stock Market   (VTI)
  • 9.00%    International Developed Blend      (VEA)
  • 50.00%  Total US Bond Market    (BND)
  • 20.00%  TIPS       (VTIP)

T. Rowe PriceRowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

T. Rowe Price ActivePlus Portfolio, Model 40

  • 28.00%  US Total Stock Market   (VTI)
  • 12.00%  International Developed Blend      (VEA)
  • 43.00%  Total US Bond Market    (BND)
  • 17.00%  TIPS       (VTIP)

T. Rowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

T. Rowe Price ActivePlus Portfolio, Model 50

  • 35.00%  US Total Stock Market   (VTI)
  • 15.00%  International All-World ex-US     (VEU)
  • 38.00%  Total US Bond Market    (BND)
  • 12.00%  TIPS       (VTIP)

T. Rowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

T. Rowe Price ActivePlus Portfolio, Model 60

  • 42.00%  US Total Stock Market   (VTI)
  • 18.00%  International All-World ex-US     (VEU)
  • 33.00%  Total US Bond Market    (BND)
  • 7.00%    TIPS       (VTIP)

T. Rowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

T. Rowe Price ActivePlus Portfolio, Model 70

  • 49.00%  US Total Stock Market   (VTI)
  • 21.00%  International All-World ex-US     (VEU)
  • 27.00%  Total US Bond Market    (BND)
  • 3.00%    TIPS       (VTIP)

T. Rowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

T. Rowe Price ActivePlus Portfolio, Model 80

  • 56.00%  US Total Stock Market   (VTI)
  • 24.00%  International All-World ex-US     (VEU)
  • 20.00%  Total US Bond Market    (BND)

T. Rowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

T. Rowe Price ActivePlus Portfolio, Model 90

  • 63.00%  US Total Stock Market   (VTI)
  • 27.00%  International All-World ex-US     (VEU)
  • 10.00%  Total US Bond Market    (BND)

T. Rowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

T. Rowe Price ActivePlus Portfolio, Model 100

  • 70.00%  US Total Stock Market   (VTI)
  • 30.00%  International All-World ex-US     (VEU)

T. Rowe Price is a US-based asset management company with 900 Billion dollars under management (2017). They offer a host of services. Managed portfolios being one of them. The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios would most likely be using their own actively managed funds to achieve similar portfolios.

 

TD Ameritrade Core Portfolio Aggressive                            

  • 53.00%  US Total Stock Market   (VTI)
  • 32.00%  International All-World ex-US     (VEU)
  • 12.00%  Total US Bond Market    (BND)
  • 1.00%    Cash (money market fund)          (BIL)
  • 2.00%    Non-US Bonds   (BNDX)

TD Ameritrade is a US brokerage that also offers to manage your portfolios. These are the asset allocations of those portfolios.

 

TD Ameritrade Core Portfolio Growth                   

  • 43.00%  US Total Stock Market   (VTI)
  • 27.00%  International All-World ex-US     (VEU)
  • 26.00%  Total US Bond Market    (BND)
  • 1.00%    Cash (money market fund)          (BIL)
  • 3.00%    Non-US Bonds   (BNDX)

TD Ameritrade is a US brokerage that also offers to manage your portfolios. These are the asset allocations of those portfolios.

 

TD Ameritrade Core Portfolio Moderate Growth                             

  • 31.00%  US Total Stock Market   (VTI)
  • 19.00%  International All-World ex-US     (VEU)
  • 44.00%  Total US Bond Market    (BND)
  • 1.00%    Cash (money market fund)          (BIL)
  • 5.00%    Non-US Bonds   (BNDX)

TD Ameritrade is a US brokerage that also offers to manage your portfolios. These are the asset allocations of those portfolios.

 

TD Ameritrade Core Portfolio Moderate                              

  • 25.00%  US Total Stock Market   (VTI)
  • 15.00%  International All-World ex-US     (VEU)
  • 53.00%  Total US Bond Market    (BND)
  • 1.00%    Cash (money market fund)          (BIL)
  • 6.00%    Non-US Bonds   (BNDX)

TD Ameritrade is a US brokerage that also offers to manage your portfolios. These are the asset allocations of those portfolios.

 

TD Ameritrade Core Portfolio Conservative                       

  • 16.00%  US Total Stock Market   (VTI)
  • 9.00%    International All-World ex-US     (VEU)
  • 66.00%  Total US Bond Market    (BND)
  • 1.00%    Cash (money market fund)          (BIL)
  • 8.00%    Non-US Bonds   (BNDX)

TD Ameritrade is a US brokerage that also offers to manage your portfolios. These are the asset allocations of those portfolios.

 

Ted Aronson Family Taxable Portfolio                  

  • 5.00%    US Total Stock Market   (VTI)
  • 15.00%  US Large Cap      (VV)
  • 5.00%    US Small Cap Value         (VIOV)
  • 10.00%  US Small Cap      (VIOO)
  • 5.00%    US Small Cap Growth     (IJT)
  • 10.00%  Emerging Markets           (VWO)
  • 15.00%  Pacific Stocks     (VPL)
  • 5.00%    European Stocks               (VGK)
  • 10.00%  Long Term Treasuries        (TLT)
  • 5.00%    High Yield Corporate Bonds         (HYG / JNK)
  • 15.00%  TIPS       (VTIP)

Ted Aronson and his AJO Partners manage about $25 billion of institutional assets. Aronson puts his family’s taxable money in this well-diversified portfolio of no-load index funds.

 

The Andrew Tobias Portfolio                     

  • 33.33%  US Total Stock Market   (VTI)
  • 33.33%  International All-World ex-US     (VEU)
  • 33.33%  TIPS       (VTIP)

Andrew Tobias of the best-selling book The Only Investment Guide You’ll Ever Need recommends this 3-fund portfolio in his book. It is very similar to the Bogleheads 3-fund portfolio detailed in the post Three Fund Portfolio: Did Awesomeness Find Trinity?

 

The Global Market Portfolio, (“GMP”) CREDIT SUISSE                    

  • 20.00%  US Large Cap      (VV)
  • 5.00%    REITs     (VNQ)
  • 5.00%    Emerging Markets           (VWO)
  • 15.00%  International All-World ex-US     (VEU)
  • 15.00%  Long Term Treasuries        (TLT)
  • 22.00%  Corporate Bonds              (LQD)
  • 2.00%    TIPS       (VTIP)
  • 16.00%  Non-US Bonds   (BNDX)

This is how the global market is divided according to Credit Suisse courtesy of Mab Faber in his book Global Asset Allocation: A Survey of the World’s Top Asset Allocation Strategies.

 

The Global Market Portfolio, Financial Engines 2007                       

  • 13.00%  US Large Cap Value         (VTV)
  • 13.10%  US Large Cap Growth     (VUG)
  • 3.70%    US Mid Cap Value            (JKI)
  • 3.70%    US Mid Cap Growth        (IJK)
  • 1.80%    US Small Cap Value         (VIOV)
  • 1.80%    US Small Cap Growth     (IJT)
  • 2.40%    Emerging Markets           (VWO)
  • 8.10%    Pacific Stocks     (VPL)
  • 15.80%  European Stocks               (VGK)
  • 1.10%    Long Term Treasuries        (TLT)
  • 5.30%    Intermediate-Term Treasuries       (VGIT)
  • 6.20%    Total US Bond Market    (BND)
  • 2.60%    Cash (money market fund)          (BIL)
  • 3.40%    Corporate Bonds              (LQD)
  • 18.00%  Non-US Bonds   (BNDX)

Based on data working within Financial Engines Christopher Jones, Chief Investment Officer at the firm presented this portfolio in his book The Intelligent Portfolio: Practical Wisdom on Personal Investing from Financial Engines. Financial Engines is the investment advisory firm you have never heard about. They are however the largest independent advisory firm in the US. It was taken private in 2018 and merged with Edelman financial services.

 

The Jack Bogle Portfolio                              

  • 60.00%  US Total Stock Market   (VTI)
  • 40.00%  Total US Bond Market    (BND)

John Bogle, supreme commander and hero of the investing world, advocates holding bonds your age in proportion to your age. Your age = the percentage of bonds you should hold. The rest should be investing in a broadly diversified index fund. John Bogle’s book Common Sense on Mutual Funds is an absolute classic that you need to read.

 

The Marc Faber Portfolio                            

  • 13.00%  US Large Cap      (VV)
  • 25.00%  REITs     (VNQ)
  • 8.00%    International Developed Blend      (VEA)
  • 4.00%    Emerging Markets           (VWO)
  • 25.00%  Total US Bond Market    (BND)
  • 25.00%  Gold      (IAU)

Faber is the legendary permabear and author of the Gloom Boom & Doom Report.

 

The Permanent Portfolio by Harry Browne                         

You can find them in the article The Permanent Portfolio: Do Well No Matter What Happens.

 

The Talmud Portfolio                    

  • 34.00%  US Total Stock Market   (VTI)
  • 33.00%  REITs     (VNQ)
  • 33.00%  Total US Bond Market    (BND)

“Let every man divide his money into three parts, and invest a third in land, a third in business and a third let him keep by him in reserve.” So it is written in the Talmud, a record of debates among rabbis about Jewish law dating as early as 1200 B.C. And so it is written on page 1 of Asset Allocation: Balancing Financial Risk, Fifth Edition: Balancing Financial Risk by Roger Gibson, supreme commander of asset allocation.

 

Tim Maurer Simple Money Portfolio                     

  • 7.50%    US Large Cap Value         (VTV)
  • 7.50%    US Large Cap      (VV)
  • 7.50%    US Small Cap Value         (VIOV)
  • 7.50%    US Small Cap      (VIOO)
  • 15.00%  International Large Cap Value     (EFV)
  • 15.00%  International Small Cap Blend             (VSS)
  • 40.00%  Intermediate-Term Treasuries       (VGIT)

In his fantastic little book Simple Money: A No-Nonsense Guide to Personal Finance, Tim Maurer of Buckingham Wealth Management (same firm as Larry Swedroe) present this portfolio. His book is very well worth a read. What is it with these guys at Buckingham? Do they all write good books?

 

Time.Inc Money Portfolio 1, Simple and Cheap                 

  • 30.00%  US Total Stock Market   (VTI)
  • 10.00%  REITs     (VNQ)
  • 20.00%  International All-World ex-US     (VEU)
  • 30.00%  Total US Bond Market    (BND)
  • 10.00%  Non-US Bonds   (BNDX)

This portfolio along with the one below appeared on the Timeinc.com money blog. It’s basically a 60/40 portfolio.

 

Time.Inc Money Portfolio 2, Tilt Toward Value                 

  • 25.00%  US Total Stock Market   (VTI)
  • 5.00%    US Large Cap Value         (VTV)
  • 5.00%    US Small Cap Value         (VIOV)
  • 10.00%  REITs     (VNQ)
  • 15.00%  International All-World ex-US     (VEU)
  • 30.00%  Total US Bond Market    (BND)
  • 10.00%  Non-US Bonds   (BNDX)

This portfolio along with the one below appeared on the Timeinc.com money blog. It’s basically a 60/40 portfolio with a tilt toward value.

 

Tony Robbins / Ray Dalio Portfolio                         

You can find them in the article Tony Robbins and Ray Dalio Portfolio: Master Your Portfolio

 

Total US Stock Market                  

  • 100.00%               US Total Stock Market   (VTI)

Not so much a portfolio as a single stock fund. The total stock market is often a benchmark for fund managers tracking the Wilshire 5000. The difference between the S&P 500 and the total stock market is minuscule but noticeable due to the inclusion of value and small-cap stocks in the total stock market which increases returns marginally. The is the portfolio of JL Collins of The Simple Path to Wealth: Your road map to financial independence and a rich, free life recommends as well as the one that John Bogle, supreme commander, and hero of the investing world recommend in Common Sense on Mutual Funds.

 

TrevH from Bogleheads Portfolio                            

  • 25.00%  US Large Cap      (VV)
  • 25.00%  US Small Cap Value         (VIOV)
  • 25.00%  International Large Cap Value     (EFV)
  • 25.00%  International Small Cap Blend             (VSS)

The common theme of slicing and dicing made TrevH of the Boglehead forum come up with a simpler portfolio of Paul Merriman’s Ultimate portfolio. The Boglehead forum is dedicated to spreading the investing philosophy of Vanguard’s founder John Bogle, supreme commander, and hero of the investing world. The Bogleheads have published the awesome book The Bogleheads’ Guide to Investing which is a fantastic primer on investing. If you’re thinking about retirement you should definitely pick up their book on retirement The Bogleheads’ Guide to Retirement Planning authored by Taylor Larimore and Rick Ferri among others.

 

Vanguard LifeStrategy Conservative Growth (40/60)                      

  • 24.00%  US Total Stock Market   (VTI)
  • 16.10%  International All-World ex-US     (VEU)
  • 42.00%  Total US Bond Market    (BND)
  • 17.90%  Non-US Bonds   (BNDX)

This one-stop-shop fund from Vanguard gives you full divarication in one fund. It is not a target-date fund as the asset allocation does not have a glide path. Vanguard has 5.1 Trillion dollars under management. The founder John Bogle is the supreme commander and hero of the investing world. If you only read two books on investing the second one would be Bogle’s Common Sense on Mutual Funds.

 

Vanguard LifeStrategy Growth Fund (80/20)                      

  • 48.10%  US Total Stock Market   (VTI)
  • 31.90%  International All-World ex-US     (VEU)
  • 14.00%  Total US Bond Market    (BND)
  • 6.00%    Non-US Bonds   (BNDX)

This one-stop-shop fund from Vanguard gives you full divarication in one fund. It is not a target-date fund as the asset allocation does not have a glide path. Vanguard has 5.1 Trillion dollars under management. The founder John Bogle is the supreme commander and hero of the investing world. If you only read two books on investing the second one would be Bogle’s Common Sense on Mutual Funds.

 

Vanguard LifeStrategy Income Fund (20/80)       

  • 12.00%  US Total Stock Market   (VTI)
  • 8.00%    International All-World ex-US     (VEU)
  • 56.00%  Total US Bond Market    (BND)
  • 24.00%  Non-US Bonds   (BNDX)

This one-stop-shop fund from Vanguard gives you full divarication in one fund. It is not a target-date fund as the asset allocation does not have a glide path. Vanguard has 5.1 Trillion dollars under management. The founder John Bogle is the supreme commander and hero of the investing world. If you only read two books on investing the second one would be Bogle’s Common Sense on Mutual Funds.

 

Vanguard LifeStrategy Moderate Growth (60/40)                            

  • 36.10%  US Total Stock Market   (VTI)
  • 24.10%  International All-World ex-US     (VEU)
  • 27.90%  Total US Bond Market    (BND)
  • 11.90%  Non-US Bonds   (BNDX)

This one-stop-shop fund from Vanguard gives you full divarication in one fund. It is not a target-date fund as the asset allocation does not have a glide path. Vanguard has 5.1 Trillion dollars under management. The founder John Bogle is the supreme commander and hero of the investing world. If you only read two books on investing the second one would be Bogle’s Common Sense on Mutual Funds.

 

Vanguard Target Retirement 2030 (55 years old)               

  • 42.20%  US Total Stock Market   (VTI)
  • 28.00%  International All-World ex-US     (VEU)
  • 20.90%  Total US Bond Market    (BND)
  • 8.90%    Non-US Bonds   (BNDX)

This is Vanguard’s stab at target-date retirement funds.  They are simple and well-diversified. Vanguard has 5.1 Trillion dollars under management. The founder, John Bogle, is the supreme commander and hero of the investing world. If you only read two books on investing the second one would be Bogle’s Common Sense on Mutual Funds.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Vanguard Target Retirement 2040 (45 years old)               

  • 51.20%  US Total Stock Market   (VTI)
  • 33.90%  International All-World ex-US     (VEU)
  • 10.50%  Total US Bond Market    (BND)
  • 4.40%    Non-US Bonds   (BNDX)

This is Vanguard’s stab at target-date retirement funds.  They are simple and well-diversified. Vanguard has 5.1 Trillion dollars under management. The founder, John Bogle, is the supreme commander and hero of the investing world. If you only read two books on investing the second one would be Bogle’s Common Sense on Mutual Funds.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Vanguard Target Retirement 2050 (35 years old)               

  • 54.00%  US Total Stock Market   (VTI)
  • 35.90%  International All-World ex-US     (VEU)
  • 7.10%    Total US Bond Market    (BND)
  • 3.00%    Non-US Bonds   (BNDX)

This is Vanguard’s stab at target-date retirement funds.  They are simple and well-diversified. Vanguard has 5.1 Trillion dollars under management. The founder, John Bogle, is the supreme commander and hero of the investing world. If you only read two books on investing the second one would be Bogle’s Common Sense on Mutual Funds.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Vanguard Target Retirement 2060 (25 years old)               

  • 53.90%  US Total Stock Market   (VTI)
  • 36.10%  International All-World ex-US     (VEU)
  • 7.10%    Total US Bond Market    (BND)
  • 2.90%    Non-US Bonds   (BNDX)

This is Vanguard’s stab at target-date retirement funds.  They are simple and well-diversified. Vanguard has 5.1 Trillion dollars under management. The founder, John Bogle, is the supreme commander and hero of the investing world. If you only read two books on investing the second one would be Bogle’s Common Sense on Mutual Funds.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Warren Buffett’s Portfolio                         

  • 90.00%  US Large Cap      (VV)
  • 10.00%  Short Term Treasuries       (VGSH)

In the 2013 letter to shareholders, Warren Buffett recommended that a trust is set up for his wife. This trust would invest 90% in a large-cap low-cost index fund (he recommended Vanguard) and 10% in short-term government bonds. He has since on a number of occasions reiterated this with the addition that average investors would be best served by low-cost index funds. You can read the entire letter here or get the deluxe version The Essays of Warren Buffett: Lessons for Corporate America.

 

William Bernstein’s Portfolios

You can find asset allocation for all of William Bernstein’s portfolios over at William Bernstein Portfolios: The Portfolio Giant

 

Dan Solin Portfolios

These fantastic and varied portfolios have a new home over at Daniel Solin Portfolios: Smart Investing, Simple

 

TIAA-CREF Lifecycle 2030                             

  • 48.70%  US Total Stock Market   (VTI)
  • 14.90%  Int. Developed Blend      (VEA)
  • 5.40%    Emerging Markets           (VWO)
  • 1.30%    Short Term Treasury       (VGSH)
  • 28.40%  Total US Bond Market    (BND)
  • 1.30%    TIPS       (VTIP)

TIAA, formerly TIAA-CREF (Teachers Insurance and Annuity Association-College Retirement Equities Fund), is a Fortune 100 financial services organization that is the leading provider of financial services in the academic, research, medical, cultural and governmental fields. TIAA has $1 trillion in combined assets under management with holdings in more than 50 countries (as of 31 December 2017). These target-date funds are all constructed using index funds. They also have other complex target-date funds that have underlying active funds.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

TIAA-CREF Lifecycle 2040                             

  • 59.90%  US Total Stock Market   (VTI)
  • 18.50%  Int. Developed Blend      (VEA)
  • 6.70%    Emerging Markets           (VWO)
  • 14.90%  Total US Bond Market    (BND)

TIAA, formerly TIAA-CREF (Teachers Insurance and Annuity Association-College Retirement Equities Fund), is a Fortune 100 financial services organization that is the leading provider of financial services in the academic, research, medical, cultural and governmental fields. TIAA has $1 trillion in combined assets under management with holdings in more than 50 countries (as of 31 December 2017). These target-date funds are all constructed using index funds. They also have other complex target-date funds that have underlying active funds.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

TIAA-CREF Lifecycle 2050                             

  • 64.70%  US Total Stock Market   (VTI)
  • 19.90%  Int. Developed Blend      (VEA)
  • 7.20%    Emerging Markets           (VWO)
  • 8.20%    Total US Bond Market    (BND)

TIAA, formerly TIAA-CREF (Teachers Insurance and Annuity Association-College Retirement Equities Fund), is a Fortune 100 financial services organization that is the leading provider of financial services in the academic, research, medical, cultural and governmental fields. TIAA has $1 trillion in combined assets under management with holdings in more than 50 countries (as of 31 December 2017). These target-date funds are all constructed using index funds. They also have other complex target-date funds that have underlying active funds.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

TIAA-CREF Lifecycle 2060                             

  • 66.30%  US Total Stock Market   (VTI)
  • 20.40%  Int. Developed Blend      (VEA)
  • 7.50%    Emerging Markets           (VWO)
  • 5.80%    Total US Bond Market    (BND)

TIAA, formerly TIAA-CREF (Teachers Insurance and Annuity Association-College Retirement Equities Fund), is a Fortune 100 financial services organization that is the leading provider of financial services in the academic, research, medical, cultural and governmental fields. TIAA has $1 trillion in combined assets under management with holdings in more than 50 countries (as of 31 December 2017). These target-date funds are all constructed using index funds. They also have other complex target-date funds that have underlying active funds.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

TIAA-CREF Lifecycle Index Retirement Income                  

  • 28.20%  US Total Stock Market   (VTI)
  • 8.70%    Int. Developed Blend      (VEA)
  • 3.20%    Emerging Markets           (VWO)
  • 10.00%  Short Term Treasury       (VGSH)
  • 39.90%  Total US Bond Market    (BND)
  • 10.00%  TIPS       (VTIP)

TIAA, formerly TIAA-CREF (Teachers Insurance and Annuity Association-College Retirement Equities Fund), is a Fortune 100 financial services organization that is the leading provider of financial services in the academic, research, medical, cultural and governmental fields. TIAA has $1 trillion in combined assets under management with holdings in more than 50 countries (as of 31 December 2017). These target-date funds are all constructed using index funds. They also have other complex target-date funds that have underlying active funds.

You can compare different Target Date Funds in the article What Is The Best Target Date Fund?

 

Goldman Sachs Target Date 2055 Portfolio                         

  • 41.90%  US Large Cap      (VV)
  • 6.10%    US Small Cap      (VIOO)
  • 3.80%    REITs (Real Estate)           (VNQ)
  • 21.10%  Int. Developed Blend      (VEA)
  • 9.20%    Emerging Markets           (VWO)
  • 3.30%    Intl Sm Cap Blend             (VSS)
  • 3.80%    Cash (money market fund)          (BIL)
  • 4.50%    Corporate Bonds              (LQD)
  • 3.20%    High Yield Corporate Bonds         (HYG)
  • 3.10%    Long-Term Corporate Bonds       (VCLT)

This is Goldman Sachs’ stab at the high growth area of target-date funds. Goldman Sachs’ funds use some complex instruments which cannot be replicated and it is doubtful that they provide more return (the data is in – they don’t) See more in this post.

 

Goldman Sachs Target Date 2045 Portfolio                         

  • 39.60%  US Large Cap      (VV)
  • 5.70%    US Small Cap      (VIOO)
  • 3.50%    REITs (Real Estate)           (VNQ)
  • 19.90%  Int. Developed Blend      (VEA)
  • 8.60%    Emerging Markets           (VWO)
  • 3.00%    Intl Sm Cap Blend             (VSS)
  • 2.24%    Cash (money market fund)          (BIL)
  • 8.20%    Corporate Bonds              (LQD)
  • 2.70%    High Yield Corporate Bonds         (HYG)
  • 1.46%    TIPS       (VTIP)
  • 2.00%    Non-US Bonds   (BNDX)
  • 3.10%    Long-Term Corporate Bonds       (VCLT)

This is Goldman Sachs’ stab at the high growth area of target-date funds. Goldman Sachs’ funds use some complex instruments which cannot be replicated and it is doubtful that they provide more return (the data is in – they don’t) See more in this post.

 

Goldman Sachs Target Date 2035 Portfolio                         

  • 31.50%  US Large Cap      (VV)
  • 2.40%    US Small Cap      (VIOO)
  • 2.80%    REITs (Real Estate)           (VNQ)
  • 15.80%  Int. Developed Blend      (VEA)
  • 6.90%    Emerging Markets           (VWO)
  • 2.10%    Intl Sm Cap Blend             (VSS)
  • 4.59%    Cash (money market fund)          (BIL)
  • 20.90%  Corporate Bonds              (LQD)
  • 1.01%    High Yield Corporate Bonds         (HYG)
  • 3.60%    TIPS       (VTIP)
  • 5.60%    Non-US Bonds   (BNDX)
  • 2.80%    Long-Term Corporate Bonds       (VCLT)

This is Goldman Sachs’ stab at the high growth area of target-date funds. Goldman Sachs’ funds use some complex instruments which cannot be replicated and it is doubtful that they provide more return (the data is in – they don’t) See more in this post.

 

Goldman Sachs Target Date 2025 Portfolio                         

  • 22.47%  US Large Cap      (VV)
  • 1.53%    US Small Cap      (VIOO)
  • 1.97%    REITs (Real Estate)           (VNQ)
  • 11.32%  Int. Developed Blend      (VEA)
  • 5.00%    Emerging Markets           (VWO)
  • 1.69%    Intl Sm Cap Blend             (VSS)
  • 1.62%    Total US Bond Market    (BND)
  • 5.84%    Cash (money market fund)          (BIL)
  • 29.03%  Corporate Bonds              (LQD)
  • 1.18%    High Yield Corporate Bonds         (HYG)
  • 3.91%    TIPS       (VTIP)
  • 12.26%  Non-US Bonds   (BNDX)
  • 2.18%    Long-Term Corporate Bonds       (VCLT)

This is Goldman Sachs’ stab at the high growth area of target-date funds. Goldman Sachs’ funds use some complex instruments which cannot be replicated and it is doubtful that they provide more return (the data is in – they don’t) See more in this post.

 

3 Fund Portfolio            

You can find all of these in the article Three Fund Portfolio: Did Awesomeness Find Trinity?

 

FPL Capital Management Portfolios

You can find all of FPL Capital Management in the article FPL Capital Management Portfolios

 

Fundamentum Enhanced Index Focus Moderate                             

  • 52.00%  US Total Stock Market   (VTI)
  • 9.00%    International All-World ex-US     (VEU)
  • 33.00%  Total US Bond Market    (BND)
  • 2.00%    Cash (money market fund)          (BIL)
  • 4.00%    TIPS       (VTIP)

Fundamentum portfolios are simple and easy. Built with DFA funds but can just as easily be built with Vanguard funds.

 

Fundamentum Enhanced Index Focus Growth                  

  • 16.00%  US Total Stock Market   (VTI)
  • 14.00%  International All-World ex-US     (VEU)
  • 4.00%    Cash (money market fund)          (BIL)
  • 8.00%    Corporate Bonds              (LQD)
  • 6.00%    TIPS       (VTIP)
  • 52.00%  Total World Stock            (VT)

Fundamentum portfolios are simple and easy. Built with DFA funds but can just as easily be built with Vanguard funds.

 

Assetbuilder.com Portfolio 5                     

  • 4.00%    US Small Cap Value         (VIOV)
  • 2.00%    US Small Cap Growth     (IJT)
  • 2.00%    US Micro-Cap     (IWC)
  • 4.00%    REITs (Real Estate)           (VNQ)
  • 35.00%  Intermediate-Term Treasury       (VGIT)
  • 3.00%    Intl Sm Cap Value             (DLS)
  • 3.00%    Emerging Markets Small Cap       (EWX)
  • 2.00%    Emerging Markets Value               (FNDE)
  • 15.00%  1 Year Fixed Income       (BSV)
  • 10.00%  2 Year Global Fixed Income         (BNDX)
  • 20.00%  5 Year Global Fixed Income         (BND/BNDX)

Assetbuilder.com’s own portfolios. The guy behind assetbuilder.com is Scott Burns He is known for creating the Couch Potato Portfolio investment strategy. These portfolios tilt toward small and value making them likely to outperform.

 

Assetbuilder.com Portfolio 6                     

  • 2.00%    US Large Cap Value         (VTV)
  • 6.00%    US Small Cap Value         (VIOV)
  • 3.00%    US Small Cap Growth     (IJT)
  • 3.00%    US Micro-Cap     (IWC)
  • 6.00%    REITs (Real Estate)           (VNQ)
  • 30.00%  Intermediate-Term Treasury       (VGIT)
  • 3.00%    Intl Sm Cap Value             (DLS)
  • 4.00%    Emerging Markets Small Cap       (EWX)
  • 3.00%    Emerging Markets Value               (FNDE)
  • 15.00%  1 Year Fixed Income       (BSV)
  • 10.00%  2 Year Global Fixed Income         (BNDX)
  • 15.00%  5 Year Global Fixed Income         (BND/BNDX)

Assetbuilder.com’s own portfolios. The guy behind assetbuilder.com is Scott Burns He is known for creating the Couch Potato Portfolio investment strategy. These portfolios tilt toward small and value making them likely to outperform.

 

Assetbuilder.com Portfolio 7                     

  • 3.00%    US Large Cap Value         (VTV)
  • 3.00%    US Large Cap Growth     (VUG)
  • 6.00%    US Small Cap Value         (VIOV)
  • 3.00%    US Small Cap Growth     (IJT)
  • 3.00%    US Micro-Cap     (IWC)
  • 7.00%    REITs (Real Estate)           (VNQ)
  • 2.00%    Intl Sm Cap Blend             (VSS)
  • 25.00%  Intermediate-Term Treasury       (VGIT)
  • 4.00%    Intl Sm Cap Value             (DLS)
  • 5.00%    Emerging Markets Small Cap       (EWX)
  • 4.00%    Emerging Markets Value               (FNDE)
  • 15.00%  1 Year Fixed Income       (BSV)
  • 10.00%  2 Year Global Fixed Income         (BNDX)
  • 10.00%  5 Year Global Fixed Income         (BND/BNDX)

Assetbuilder.com’s own portfolios. The guy behind assetbuilder.com is Scott Burns He is known for creating the Couch Potato Portfolio investment strategy. These portfolios tilt toward small and value making them likely to outperform.

 

Assetbuilder.com Portfolio 8                     

  • 4.00%    US Large Cap Value         (VTV)
  • 4.00%    US Large Cap Growth     (VUG)
  • 7.00%    US Small Cap Value         (VIOV)
  • 3.00%    US Small Cap Growth     (IJT)
  • 4.00%    US Micro-Cap     (IWC)
  • 8.00%    REITs (Real Estate)           (VNQ)
  • 4.00%    Intl Sm Cap Blend             (VSS)
  • 15.00%  Intermediate-Term Treasury       (VGIT)
  • 5.00%    Intl Sm Cap Value             (DLS)
  • 6.00%    Emerging Markets Small Cap       (EWX)
  • 5.00%    Emerging Markets Value               (FNDE)
  • 15.00%  1 Year Fixed Income       (BSV)
  • 10.00%  2 Year Global Fixed Income         (BNDX)
  • 10.00%  5 Year Global Fixed Income         (BND/BNDX)

Assetbuilder.com’s own portfolios. The guy behind assetbuilder.com is Scott Burns He is known for creating the Couch Potato Portfolio investment strategy. These portfolios tilt toward small and value making them likely to outperform.

 

Assetbuilder.com Portfolio 9                     

  • 4.00%    US Large Cap Value         (VTV)
  • 4.00%    US Large Cap Growth     (VUG)
  • 9.00%    US Small Cap Value         (VIOV)
  • 4.00%    US Small Cap Growth     (IJT)
  • 5.00%    US Micro-Cap     (IWC)
  • 9.00%    REITs (Real Estate)           (VNQ)
  • 6.00%    Intl Sm Cap Blend             (VSS)
  • 10.00%  Intermediate-Term Treasury       (VGIT)
  • 6.00%    Intl Sm Cap Value             (DLS)
  • 7.00%    Emerging Markets Small Cap       (EWX)
  • 6.00%    Emerging Markets Value               (FNDE)
  • 15.00%  1 Year Fixed Income       (BSV)
  • 10.00%  2 Year Global Fixed Income         (BNDX)
  • 5.00%    5 Year Global Fixed Income         (BND/BNDX)

Assetbuilder.com’s own portfolios. The guy behind assetbuilder.com is Scott Burns He is known for creating the Couch Potato Portfolio investment strategy. These portfolios tilt toward small and value making them likely to outperform.

 

Assetbuilder.com Portfolio 10                  

  • 5.00%    US Large Cap Value         (VTV)
  • 5.00%    US Large Cap Growth     (VUG)
  • 11.00%  US Small Cap Value         (VIOV)
  • 4.00%    US Small Cap Growth     (IJT)
  • 5.00%    US Micro-Cap     (IWC)
  • 11.00%  REITs (Real Estate)           (VNQ)
  • 6.00%    Intl Sm Cap Blend             (VSS)
  • 7.00%    Intl Sm Cap Value             (DLS)
  • 8.00%    Emerging Markets Small Cap       (EWX)
  • 8.00%    Emerging Markets Value               (FNDE)
  • 20.00%  1 Year Fixed Income       (BSV)
  • 10.00%  2 Year Global Fixed Income         (BNDX)

Assetbuilder.com’s own portfolios. The guy behind assetbuilder.com is Scott Burns He is known for creating the Couch Potato Portfolio investment strategy. These portfolios tilt toward small and value making them likely to outperform.

 

Assetbuilder.com Portfolio 11                  

  • 6.00%    US Large Cap Value         (VTV)
  • 5.00%    US Large Cap Growth     (VUG)
  • 12.00%  US Small Cap Value         (VIOV)
  • 5.00%    US Small Cap Growth     (IJT)
  • 6.00%    US Micro-Cap     (IWC)
  • 12.00%  REITs (Real Estate)           (VNQ)
  • 7.00%    Intl Sm Cap Blend             (VSS)
  • 8.00%    Intl Sm Cap Value             (DLS)
  • 10.00%  Emerging Markets Small Cap       (EWX)
  • 9.00%    Emerging Markets Value               (FNDE)
  • 15.00%  1 Year Fixed Income       (BSV)
  • 5.00%    2 Year Global Fixed Income         (BNDX)

Assetbuilder.com’s own portfolios. The guy behind assetbuilder.com is Scott Burns He is known for creating the Couch Potato Portfolio investment strategy. These portfolios tilt toward small and value making them likely to outperform.

 

Assetbuilder.com Portfolio 12                  

  • 6.00%    US Large Cap Value         (VTV)
  • 6.00%    US Large Cap Growth     (VUG)
  • 13.00%  US Small Cap Value         (VIOV)
  • 6.00%    US Small Cap Growth     (IJT)
  • 6.00%    US Micro-Cap     (IWC)
  • 13.00%  REITs (Real Estate)           (VNQ)
  • 8.00%    Intl Sm Cap Blend             (VSS)
  • 9.00%    Intl Sm Cap Value             (DLS)
  • 12.00%  Emerging Markets Small Cap       (EWX)
  • 11.00%  Emerging Markets Value               (FNDE)
  • 10.00%  1 Year Fixed Income       (BSV)

Assetbuilder.com’s own portfolios. The guy behind assetbuilder.com is Scott Burns He is known for creating the Couch Potato Portfolio investment strategy. These portfolios tilt toward small and value making them likely to outperform.

 

Alexander Green Gone Fishin’ Portfolio               

Find his portfolio in our article Alexander Green’s Gone Fishin’ Portfolio

 

Robo Advisor WealthSimple Portfolio Conservative                       

  • 14.64%  US Total Stock Market   (VTI)
  • 2.16%    Emerging Markets           (VWO)
  • 1.74%    Pacific Stocks     (VPL)
  • 8.44%    European Stocks               (VGK)
  • 48.09%  Intermediate-Term Treasury       (VGIT)
  • 0.99%    Cash (money market fund)          (BIL)
  • 23.94%  Corporate Bonds              (LQD)

WealthSimple is a UK based robo advisor with £1.5 Billion under management. Their portfolio is heavily overweighted towards UK equity and UK gilts (bonds). I have no data on UK gilt (government nor corporate) so the portfolio on site is what I call a “US Edition”. I swapped the asset allocation around so all UK stocks and bonds now are US stocks and bonds. Then I swapped WealthSimple’s allocation to US stocks to European stocks. It’s not perfect and will be remedied in the future when I get return data for UK gilts – I already have for UK stocks. For a comparison of robo advisors, you should check out our overview Robo Advisor Performance.

 

Robo Advisor WealthSimple Portfolio Balanced               

  • 30.57%  US Total Stock Market   (VTI)
  • 4.59%    Emerging Markets           (VWO)
  • 3.86%    Pacific Stocks     (VPL)
  • 17.90%  European Stocks               (VGK)
  • 11.40%  Intermediate-Term Treasury       (VGIT)
  • 0.99%    Cash (money market fund)          (BIL)
  • 22.35%  Corporate Bonds              (LQD)
  • 4.17%    High Dividend Yield         (VYM)
  • 4.17%    Emerging Market Bonds (VWOB)

WealthSimple is a UK based robo advisor with £1.5 Billion under management. Their portfolio is heavily overweighted towards UK equity and UK gilts (bonds). I have no data on UK gilt (government nor corporate) so the portfolio on site is what I call a “US Edition”. I swapped the asset allocation around so all UK stocks and bonds now are US stocks and bonds. Then I swapped WealthSimple’s allocation to US stocks to European stocks. It’s not perfect and will be remedied in the future when I get return data for UK gilts – I already have for UK stocks. For a comparison of robo advisors, you should check out our overview Robo Advisor Performance.

 

Robo Advisor WealthSimple Portfolio Growth                  

  • 47.40%  US Total Stock Market   (VTI)
  • 7.27%    Emerging Markets           (VWO)
  • 6.09%    Pacific Stocks     (VPL)
  • 27.74%  European Stocks               (VGK)
  • 2.88%    Intermediate-Term Treasury       (VGIT)
  • 0.99%    Cash (money market fund)          (BIL)
  • 5.61%    Corporate Bonds              (LQD)
  • 1.01%    High Dividend Yield (VYM)
  • 1.01%    Emerging Market Bonds (VWOB)

WealthSimple is a UK based robo advisor with £1.5 Billion under management. Their portfolio is heavily overweighted towards UK equity and UK gilts (bonds). I have no data on UK gilt (government nor corporate) so the portfolio on site is what I call a “US Edition”. I swapped the asset allocation around so all UK stocks and bonds now are US stocks and bonds. Then I swapped WealthSimple’s allocation to US stocks to European stocks. It’s not perfect and will be remedied in the future when I get return data for UK gilts – I already have for UK stocks. For a comparison of robo advisors, you should check out our overview Robo Advisor Performance.

Robo Advisor WiseBanyan 

Robo advisor WiseBanyan portfolios can found in our article Robo Advisor WiseBanyan Portfolios, Is Free Better?

 

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