Low-Risk Portfolios

This page displays low-risk portfolios available on portfolioeinstein.com.

Some words on risk

Risk comes in many shapes and forms. In academia and in much of the investing industry, risk in investing is measured by standard deviation (a measure of how much the price of an asset bounces around).

Now, a standard deviation is, well – academic. This is because, for you and me, the risk is the pain we go through when we lose money.  That pain is called draw-down. The draw-down of a portfolio is the amount of money the portfolio will lose in a  given year. So, for example, a portfolio with a draw-down of -20% has at some point lost 20% of its value. That’s a good indication of what could happen in the future.

Now, that’s pretty actionable information that we can plan around and relate to.

A rough rule of thumb is that for each 20% of stocks a portfolio has it has a draw-down of -10%. So a 100% stock portfolio has potentially a draw-down of -50%. A 60% stock portfolio has a potential draw-down of -30%.

There are other forms of risk however but the draw-down is what we will focus on when dividing the portfolios into the various risk levels. You should also look at standard deviation as well as the stock to bond ratio.

How the risk levels are determined

We have given the portfolios a risk level from one to three. = 1 – 3.

1 is the least risky but also offers the least reward.

3 is the riskiest but offers the most rewards.

The portfolios have been divided into tertiles. In the first tertile, the first 33.3% represent the portfolios that have the lowest draw-downs. The last 33.3% are the ones with the highest draw-downs.

You can find the other 2 risk portfolios here

High-Risk Portfolios

Medium-Risk Portfolios

This page is displaying the low-risk portfolios. They are suited for short term savings and even then you may be better off with a CD (certificate of deposit) or a standard savings account.

Low-risk portfolios

NameSee PortfolioAsset class countYear to dateReturn in 202010 year returnCAGR since 1989 (%)STDEVDraw DownRisk levelExpense ratio
The Permanent Portfolio4-1.38%16.156.627.255.87-3.15%10.14%
Premium Portfolio5-1.49%16.017.768.647.31-3.71%10.16%
The Marc Faber Portfolio6-0.66%10.786.638.129.06-16.81%10.11%
Allan Roth Second Grader Low Portfolio3-0.59%10.726.097.296.21-8.20%10.04%
Allan Roth Second Grader Five-Fund Low Risk Portfolio4-0.59%10.25.997.286.1-8.20%10.04%
Allan Roth Second Grader Low Risk with CDs Portfolio3-0.06%5.63.815.045.3-10.34%10.11%
Larry Swedroe, The Larry Portfolio 170.13%7.255.387.366.68-7.67%10.10%
Larry Swedroe, The Larry Portfolio 230.42%5.974.757.235.37-2.92%10.13%
Larry Swedroe, Eliminate Fat Tails Portfolio (value tilt)41.59%5.873.726.937.98-13.55%10.10%
William Bernstein Four Pillars Low Risk Portfolio4-0.09%9.766.587.388.04-15.91%10.05%
Rob Arnott Portfolio8-0.48%7.125.427.397.15-14.71%10.17%
Premium Portfolio8-1.03%11.837.638.468.56-15.60%10.10%
Meb Faber Risk Parity Portfolio7-0.64%9.575.037.095.91-7.34%10.14%
Robo Advisor Betterment 4011-0.07%8.296.017.647.68-13.47%10.07%
Harry Markowitz Father of Modern Portfolio Theory Portfolio2-0.54%14.378.958.839.25-15.92%10.04%
Rick Ferri Transitional Moderate Basic Portfolio5-0.46%11.457.387.978.56-17.05%10.05%
Rick Ferri Mature Retired Saver Moderate Basic Portfolio6-0.38%9.776.347.46.93-12.22%10.05%
Rick Ferri Mature Retired Saver Moderate Multi Asset Portfolio100.06%8.666.137.586.99-12.57%10.06%
Balanced Portfolio 10/902-0.72%9.044.856.684.78-2.41%10.04%
Balanced Portfolio 20/802-0.67%10.375.97.265.47-3.28%10.04%
Balanced Portfolio 30/702-0.63%11.716.937.816.53-7.49%10.04%
Premium Portfolio2-0.58%13.047.948.337.83-11.71%10.04%
Premium Portfolio2-0.54%14.378.958.839.25-15.92%10.04%
Index Fund Advisors, Portfolio 40160.65%5.895.096.896.93-13.07%10.10%
Index Fund Advisors, Portfolio 30160.40%5.684.356.25.36-8.79%10.09%
Index Fund Advisors, Portfolio 20160.14%5.473.595.493.93-4.51%10.08%
Index Fund Advisors, Portfolio 1016-0.11%5.262.824.752.86-0.23%10.07%
Paul Merriman Best-in-Class ETFs Portfolio (Conservative)150.31%6.365.127.386.76-10.09%10.10%
Paul Merriman Target Date Portfolio (65 year old)141.32%6.036.098.058.24-14.21%10.10%
TD Ameritrade Core Portfolio Conservative5-0.59%9.835.677.025.57-6.02%10.05%
TD Ameritrade Core Portfolio Moderate5-0.51%11.296.687.57.43-12.77%10.05%
TD Ameritrade Core Portfolio Moderate Growth5-0.45%12.267.347.798.87-17.28%10.05%
Merrill Lynch Edge Select Portfolio, Conservative12-0.24%6.814.86.424.87-5.24%10.10%
Merrill Lynch Edge Select Portfolio, Moderately Conservative12-0.33%11.686.958.017.68-12.84%10.09%
David Booth (DFA) Fixed Income Portfolio4-0.48%6.212.554.443.11-0.18%10.06%
David Booth (DFA) Conservative Portfolio15-0.21%6.224.065.823.89-3.04%10.08%
David Booth (DFA) Moderate Portfolio150.05%6.235.517.086.61-12.14%10.10%
Rick Ferri Core 4 fund Portfolio (40/60)4-0.53%10.826.747.77.25-12.56%10.05%
Rick Ferri Core 4 fund Portfolio (20/80)4-0.64%9.275.296.945.14-3.71%10.04%
Vanguard LifeStrategy Income Fund (20/80)4-0.58%8.855.366.774.99-3.73%10.05%
Vanguard LifeStrategy Conservative Growth (40/60)4-0.48%10.916.77.447.43-12.81%10.05%
T. Rowe Price ActivePlus Portfolio, Model 105-0.68%7.494.256.344.43-6.32%10.04%
T. Rowe Price ActivePlus Portfolio, Model 204-0.78%8.765.326.945.56-9.72%10.04%
T. Rowe Price ActivePlus Portfolio, Model 304-0.65%10.146.137.346.51-13.52%10.04%
T. Rowe Price ActivePlus Portfolio, Model 404-0.63%11.216.947.77.62-17.97%10.04%
Schwab Managed Portfolio, Conservative Income6-0.21%4.393.375.644.07-1.95%10.10%
Schwab Managed Portfolio, Income With Growth10-0.25%6.144.736.395.15-8.25%10.09%
Schwab Managed Portfolio, Balanced110.06%7.415.47.167.83-17.18%10.11%
Meb Faber GAA10-0.99%11.326.828.068.15-15.76%10.14%
Premium Portfolio8-1.37%14.386.948.367.18-4.03%10.16%
Morningstar Lifetime Allocation Index Moderate, Income180.00%7.945.847.627.13-13.65%10.09%
Morningstar Lifetime Allocation Index Conservative, 203018-0.05%9.096.68.158.57-17.47%10.09%
Morningstar Lifetime Allocation Index Conservative, Income18-0.05%6.974.857.025.83-8.44%10.08%
Dimensional Retirement Income Fund70.20%7.254.456.585.48-7.73%10.05%
7-Twelve Portfolio Age Based 60-70 by Craig Israelsen120.50%5.083.66.046.17-13.04%10.15%
7-Twelve Portfolio Age Based 70 Plus by Craig Israelsen120.33%3.532.65.024.38-8.00%10.15%
Dan Solin SuperSmart Portfolio, Low Risk80.28%3.52.885.614.09-2.62%10.07%
Dan Solin SuperSmart Portfolio, Medium-Low Risk80.54%3.964.486.946.71-11.84%10.10%
Dan Solin The Smartest ETF Portfolio, Low Risk2-0.05%5.752.975.193.93-3.19%10.06%
Dan Solin The Smartest ETF Portfolio, Medium-Low Risk2-0.14%8.474.666.076.77-12.98%10.06%
Dan Solin The Smartest Index Portfolio, Low Risk3-0.65%9.785.396.955.22-3.71%10.04%
Dan Solin The Smartest Index Portfolio, Medium-Low Risk3-0.54%11.856.947.727.5-12.56%10.04%
TIAA-CREF Lifecycle Index Retirement Income6-0.34%11.146.667.767.6-13.27%10.04%
William Bernstein Taxable Ted 40/6050.44%8.466.617.397.04-13.66%10.06%
William Bernstein Taxable Ted 30/7050.37%7.85.886.955.8-9.63%10.06%
William Bernstein Taxable Ted 20/8050.31%7.135.146.484.76-5.60%10.06%
William Bernstein Taxable Ted 10/9050.24%6.474.385.994.1-1.85%10.06%
William Bernstein Taxable Ted 100% Bonds10.17%5.83.625.473.99-2.30%10.06%
William Bernstein Sheltered Sam 40/60120.48%5.955.747.57.61-17.12%10.08%
William Bernstein Sheltered Sam 30/70120.42%5.735.067.046.54-13.81%10.07%
William Bernstein Sheltered Sam 20/80120.36%5.54.366.565.64-10.51%10.06%
William Bernstein Sheltered Sam 10/90120.30%5.283.656.055.0-7.20%10.06%
William Bernstein Sheltered Sam 100% Bonds20.24%5.062.925.534.72-3.90%10.05%
William Bernstein Charlie Cringe Portfolio4-0.21%9.626.667.357.99-15.62%10.05%
Robo Advisor Betterment 3012-0.10%7.035.077.196.67-10.91%10.08%
Robo Advisor Betterment 2012-0.06%5.843.916.294.94-5.81%10.07%
Robo Advisor Betterment 1012-0.02%4.682.725.343.66-0.72%10.06%
Robo Advisor Betterment 020.02%3.461.534.373.370.00%10.05%
Rick Ferri Total Economy Core-4 Portfolio Low-Risk4-0.41%8.515.046.855.02-3.83%10.05%
Rick Ferri Total Economy Core-4 Portfolio Conservative4-0.06%9.316.247.537.08-12.81%10.06%
Rick Ferri Global Markets Core-4 Low-Risk4-0.67%9.085.556.875.04-3.44%10.05%
Rick Ferri Global Markets Core-4 Conservative4-0.64%11.227.117.637.4-12.15%10.04%
Rick Ferri Inflation Fighter Core-4 Portfolio Low-Risk4-0.49%9.265.597.196.76-12.27%10.09%
Rick Ferri Income Seeker Core-4 Portfolio Low-Risk4-1.35%8.156.637.67.95-16.15%10.21%
Rick Ferri Socially Conscious ESG Core-4 Portfolio Low-Risk4-0.94%11.06.087.45.92-4.58%10.08%
Rick Ferri Socially Conscious ESG Core-4 Portfolio Conservative4-0.85%12.667.518.037.85-13.01%10.07%
3 Fund Portfolio 40/603-0.68%11.687.037.697.43-12.22%10.04%
3 Fund Portfolio 20/803-0.72%9.75.446.935.19-3.54%10.04%
FPL Capital Management Portfolio 109-0.62%7.254.456.624.62-2.08%10.05%
FPL Capital Management Portfolio 209-0.46%6.845.117.165.12-3.76%10.07%
FPL Capital Management Portfolio 309-0.31%6.415.757.676.06-8.21%10.09%
FPL Capital Management Portfolio 409-0.16%5.976.378.157.26-12.67%10.10%
Premium Portfolio9-0.01%5.546.988.68.62-17.12%10.12%
Assetbuilder.com Portfolio 5110.27%6.354.086.374.27-1.95%10.11%
Assetbuilder.com Portfolio 6120.64%6.184.787.155.64-6.66%10.13%
Assetbuilder.com Portfolio 7140.65%7.015.527.857.25-11.78%10.15%
Robo Advisor Wealthsimple Portfolio Conservative7-0.73%10.495.867.66.25-5.52%10.07%
Robo Advisor WiseBanyan 40% stocks9-0.39%10.266.887.938.2-16.69%10.10%
Robo Advisor WiseBanyan 30% stocks9-0.41%9.486.27.597.01-12.64%10.09%
Robo Advisor WiseBanyan 20% stocks9-0.41%8.455.367.115.89-8.49%10.08%
Robo Advisor WiseBanyan 13% stocks9-0.32%7.014.256.384.79-4.45%10.07%
PWL Capital Toronto (CA) 50% Stocks5-0.71%10.466.498.298.85-15.51%10.07%
PWL Capital Toronto (CA) 40% Stocks5-0.81%10.156.128.077.61-11.03%10.07%
PWL Capital Toronto (CA) 30% Stocks5-0.86%9.735.627.886.66-6.62%10.08%
PWL Capital Toronto (CA) 20% Stocks5-0.95%9.375.217.645.91-3.44%10.08%
Premium Portfolio4-0.51%12.787.638.269.07-17.06%10.04%
PWL Capital Toronto (US) 40% Stocks4-0.57%11.736.887.857.61-12.61%10.04%
PWL Capital Toronto (US) 30% Stocks4-0.59%10.746.097.496.38-8.27%10.04%
PWL Capital Toronto (US) 20% Stocks4-0.64%9.815.397.085.34-3.77%10.04%
PWL Capital Layton-Guay Portfolios (CA) 30/70 Conservative7-0.79%8.785.717.296.59-10.38%10.08%
PWL Capital Layton-Guay Portfolios (CA) 40/60 Cautious7-0.72%9.356.227.67.89-14.78%10.07%
PWL Capital Layton-Guay Portfolios (US) 30/70 Conservative6-0.60%9.335.956.996.42-11.48%10.05%
PWL Capital Layton-Guay Portfolios (US) 40/60 Cautious6-0.56%10.296.667.437.88-15.83%10.05%
PWL Capital Nancy And Her Team (CA), Conservative7-0.42%6.924.575.565.49-12.84%10.06%
PWL Capital Nancy And Her Team (CA), Cautious7-0.44%7.335.146.036.81-16.36%10.06%
PWL Capital Nancy And Her Team (US), Conservative6-0.42%8.385.325.85.74-13.18%10.05%
PWL Capital Nancy And Her Team (US), Cautious6-0.44%9.286.156.357.14-16.82%10.05%
PWL Capital Passmore & Felix (CA), 40/606-0.66%8.315.746.366.57-13.25%10.06%
PWL Capital Passmore & Felix (CA), 50/506-0.65%8.826.286.857.96-16.94%10.05%
PWL Capital Passmore & Felix (US), 40/605-0.66%10.336.786.686.99-13.74%10.05%
PWL Capital Passmore & Felix (US), 50/505-0.64%11.377.597.258.48-17.55%10.05%
Premium Portfolio5-0.36%12.668.058.38.58-14.24%10.05%
Gyroscopic Desert PortfolioComing soon3-0.70%13.446.917.766.34-7.46%10.06%
Premium Portfolio50.16%15.747.828.397.35-7.40%10.12%
Paul Boyer Permanent Portfolio (MMM)Coming soon5-0.13%13.85.037.777.34-6.16%10.14%
Canadian Portfolio Manager Model Portfolios (CA) 20% StocksComing soon5-0.97%9.515.37.635.89-3.36%10.08%
Canadian Portfolio Manager Model Portfolios (CA) 30% StocksComing soon5-0.88%9.975.797.916.62-6.54%10.08%
Canadian Portfolio Manager Model Portfolios (CA) 40% StocksComing soon5-0.80%10.426.278.167.65-11.04%10.07%
Canadian Portfolio Manager Model Portfolios (CA) 50% StocksComing soon5-0.71%10.886.738.388.87-15.53%10.07%
Canadian Portfolio Manager Model Portfolios (US) 20% StocksComing soon4-0.66%9.785.47.055.3-3.71%10.04%
Canadian Portfolio Manager Model Portfolios (US) 30% StocksComing soon4-0.61%10.86.187.496.34-8.15%10.04%
Canadian Portfolio Manager Model Portfolios (US) 40% StocksComing soon4-0.56%11.846.957.917.64-12.58%10.04%
Premium Portfolio4-0.51%12.877.698.299.08-17.02%10.04%
Canadian Couch Potato Model Portfolios (CA) ConservativeComing soon3-0.92%9.825.597.636.4-6.92%10.09%
Canadian Couch Potato Model Portfolios (CA) CautiousComing soon3-0.80%10.436.27.868.02-13.85%10.08%
Canadian Couch Potato Model Portfolios (US) ConservativeComing soon3-0.64%10.826.067.256.16-8.56%10.05%
Canadian Couch Potato Model Portfolios (US) CautiousComing soon3-0.58%12.387.157.738.15-15.42%10.05%
Premium Portfolio6-1.16%13.598.549.1310.29-17.15%10.09%
Premium Portfolio6-1.20%13.188.148.858.9-12.42%10.09%
Robo Advisor Wealthsimple Risk Level 036-0.90%11.37.58.157.42-9.74%10.09%
Robo Advisor Wealthsimple Risk Level 026-0.76%10.377.177.796.72-8.28%10.09%
Robo Advisor Wealthsimple Risk Level 016-0.76%10.216.937.616.23-6.08%10.09%
The Canonical Portfolio (CA) 50% StocksComing soon4-0.88%10.236.577.978.51-15.09%10.07%
The Canonical Portfolio (CA) 40% StocksComing soon4-0.93%9.896.147.837.34-10.68%10.07%
The Canonical Portfolio (CA) 30% StocksComing soon4-0.99%9.575.77.666.38-6.28%10.08%
The Canonical Portfolio (US) 50% StocksComing soon3-0.68%12.487.677.938.81-16.64%10.04%
The Canonical Portfolio (US) 40% StocksComing soon3-0.70%11.546.937.627.41-12.28%10.04%
The Canonical Portfolio (US) 30% StocksComing soon3-0.71%10.586.177.276.16-7.92%10.04%
Robo Advisor Fidelity GO Taxable Conservative70.33%6.424.85.684.37-6.76%10.06%
Robo Advisor Fidelity GO Taxable Moderate With Income70.30%7.715.816.375.79-11.07%10.06%
Robo Advisor Fidelity GO Taxable Moderate70.26%8.866.656.937.23-15.19%10.06%
Robo Advisor Fidelity GO Tax-advantaged Conservative7-0.33%7.684.596.054.48-4.15%10.05%
Robo Advisor Fidelity GO Tax-advantaged Moderate With Income7-0.36%8.975.596.755.8-8.46%10.05%
Robo Advisor Fidelity GO Tax-advantaged Moderate7-0.33%9.996.467.287.19-12.84%10.05%
Robo Advisor Fidelity GO Tax-advantaged Balanced7-0.31%11.027.317.778.68-17.22%10.05%
Premium Portfolio8-0.19%11.736.958.289.04-17.28%10.05%
Robo Advisor SigFig Taxable 038-0.18%10.856.47.918.14-14.77%10.05%
Robo Advisor SigFig Taxable 028-0.11%9.825.97.497.1-12.04%10.05%
Robo Advisor SigFig Taxable 018-0.04%9.115.497.246.49-10.21%10.05%
Robo Advisor SigFig Tax Sheltered 048-0.20%9.566.238.188.97-17.51%10.07%
Robo Advisor SigFig Tax Sheltered 038-0.23%9.176.08.028.35-15.71%10.07%
Robo Advisor SigFig Tax Sheltered 028-0.31%8.435.67.686.94-11.47%10.07%
Robo Advisor SigFig Tax Sheltered 018-0.27%8.065.357.576.66-10.40%10.07%
Axos Invest 40% StocksComing soon9-0.39%10.266.887.938.2-16.69%10.10%
Axos Invest 30% StocksComing soon9-0.41%9.486.27.597.01-12.64%10.09%
Axos Invest 20% StocksComing soon9-0.41%8.435.357.15.88-8.46%10.08%
Axos Invest 0% StocksComing soon5-0.32%6.443.325.744.5-2.42%10.07%
Premium Portfolio5-0.34%12.88.118.299.02-17.42%10.05%
Mark Hebner Portfolio 25% StocksComing soon90.23%5.594.827.095.92-6.79%10.08%
Fidelity Target Allocation Index-Focused Model Portfolios 20% StocksComing soon6-0.37%8.394.826.554.84-3.64%10.05%
Fidelity Target Allocation Index-Focused Model Portfolios 40% StocksComing soon7-0.35%10.36.567.517.29-12.64%10.05%
SoFi Model Portfolios Taxable Conservative30.42%5.183.695.243.7-1.98%10.06%
SoFi Model Portfolios Taxable Moderately Conservative60.24%8.345.66.646.23-11.80%10.05%
SoFi Model Portfolios Retirement Conservative4-0.69%7.293.716.094.42-2.58%10.06%
SoFi Model Portfolios Retirement Moderately Conservative6-0.58%9.695.687.466.96-11.80%10.07%
Robo Advisor Betterment 2020 Taxable 40% StocksComing soon12-0.45%7.926.427.717.99-15.35%10.08%
Robo Advisor Betterment 2020 Taxable 30% StocksComing soon12-0.37%7.085.497.146.4-10.53%10.08%
Robo Advisor Betterment 2020 Taxable 20% StocksComing soon12-0.29%6.194.476.484.97-5.62%10.07%
Robo Advisor Betterment 2020 Taxable 10% StocksComing soon12-0.19%5.133.295.673.86-1.43%10.06%
Robo Advisor Betterment 2020 Taxable 0% StocksComing soon10.03%3.041.234.173.510.00%10.05%
Robo Advisor Betterment 2020 Retirement 40% StocksComing soon120.02%7.076.47.417.9-16.30%10.08%
Robo Advisor Betterment 2020 Retirement 30% StocksComing soon120.06%6.315.486.876.28-11.42%10.07%
Robo Advisor Betterment 2020 Retirement 20% StocksComing soon120.08%5.514.456.254.82-6.38%10.07%
Robo Advisor Betterment 2020 Retirement 10% StocksComing soon120.09%4.613.285.53.69-1.21%10.06%
Robo Advisor Betterment 2020 Retirement 0% StocksComing soon10.03%3.041.234.173.510.00%10.05%
Dimensional Fund Advisors Model Portfolios 0% Stocks Fixed4-0.48%6.212.554.443.11-0.18%10.06%
Dimensional Fund Advisors Model Portfolios 20% Stocks Conservative15-0.24%6.514.015.723.93-3.12%10.08%
Dimensional Fund Advisors Model Portfolios 40% Stocks Moderate150.00%6.815.46.886.77-12.31%10.10%
Bogleheads Guide to Investing - An Investor in Early RetirementComing soon4-0.26%11.087.027.817.73-14.51%10.04%
Bogleheads Guide to Investing - An Investor in Late RetirementComing soon3-0.13%9.275.667.285.91-6.45%10.04%
Robo Advisor J.P. Morgan You Invest AggressiveComing soon7-0.53%9.575.287.135.74-6.28%10.05%
Robo Advisor Morgan Stanley Acces Investing Wealth ConservationComing soon5-0.50%8.814.676.675.07-4.03%10.04%
Robo Advisor Merrill Guided Investing Taxable Moderately ConservativeComing soon11-0.02%9.116.747.577.68-14.90%10.06%
Robo Advisor Merrill Guided Investing Taxable ConservativeComing soon10-0.09%7.485.456.474.97-6.19%10.09%
Robo Advisor Merrill Guided Investing ConservativeComing soon10-0.30%7.384.966.464.83-4.77%10.10%
Institute of Business and Finance Income PortfolioComing soon4-0.35%6.314.426.725.56-4.07%10.15%
J. D. Steinhilber Conservative
Growth
Coming soon-0.19%8.475.336.776.55-12.25%10.09%
J. D. Steinhilber Moderate
Growth
Coming soon10-0.09%11.066.287.78.57-17.23%10.09%
Larry Swedroe Model Portfolios ConservativeComing soon120.66%4.614.576.696.53-11.68%10.08%
Premium Portfolio10-0.68%8.97.568.67.8-13.87%10.08%
Dr. Marvin Appel One-Decision PortfolioComing soon80.28%4.666.627.777.89-16.38%10.10%
Goldman Sachs Target Date Retirement Income Portfolio9-0.76%6.16.668.178.19-16.50%10.13%
Rob Arnott ETF.com model portfolioComing soon7-0.41%6.115.517.617.89-16.70%10.21%

Disclaimer: There are many factors that go into choosing your right portfolio, though not as many as you would think. Therefore, the information here presented are not specific recommendations but instead for information purposes only.

Now it’s your turn!

Which portfolio are you leaning towards and why?

Why do you think a low-risk portfolio is right for you?

Portfolioeinstein Premium Portfolios

Leave a Comment

Your email address will not be published. Required fields are marked *

Scroll to Top