Low-Risk Portfolios
Low risk but high returning portfolio, perfect for retirees and savings
This page displays low-risk portfolios available on portfolioeinstein.com.
Article Contents
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
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
| Name | See Portfolio | Asset class count | Year to date | Return in 2020 | 10 year return | CAGR since 1989 (%) | STDEV | Draw Down | Risk level | Expense ratio |
|---|---|---|---|---|---|---|---|---|---|---|
| The Permanent Portfolio |  | 4 | -7.39 | 16.15 | 6.09 | 7.15 | 5.87 | -3.15% | 1 | 0.14% |
| Tony Robbins / Ray Dalio Portfolio | | 5 | -10.26 | 16.01 | 7.23 | 8.63 | 7.31 | -3.71% | 1 | 0.16% |
| The Marc Faber Portfolio | | 6 | -7.13 | 10.78 | 7.48 | 8.28 | 9.06 | -16.81% | 1 | 0.11% |
| Allan Roth Second Grader Low Portfolio | | 3 | -10.72 | 10.72 | 6.14 | 7.21 | 6.21 | -8.20% | 1 | 0.04% |
| Allan Roth Second Grader Five-Fund Low Risk Portfolio | | 4 | -10.63 | 10.2 | 6.06 | 7.21 | 6.1 | -8.20% | 1 | 0.04% |
| Allan Roth Second Grader Low Risk with CDs Portfolio | | 3 | -4.0 | 5.6 | 4.53 | 5.07 | 5.3 | -10.34% | 1 | 0.11% |
| Larry Swedroe, The Larry Portfolio 1 | | 7 | -8.39 | 7.25 | 5.78 | 7.33 | 6.68 | -7.67% | 1 | 0.10% |
| Larry Swedroe, The Larry Portfolio 2 | | 3 | -8.1 | 5.97 | 4.56 | 7.11 | 5.37 | -2.92% | 1 | 0.13% |
| Larry Swedroe, Eliminate Fat Tails Portfolio (value tilt) | | 4 | -3.92 | 5.87 | 4.18 | 6.91 | 7.98 | -13.55% | 1 | 0.10% |
| William Bernstein Four Pillars Low Risk Portfolio | | 4 | -8.1 | 9.76 | 7.74 | 7.5 | 8.04 | -15.91% | 1 | 0.05% |
| Rob Arnott Portfolio | | 8 | -6.62 | 7.12 | 5.94 | 7.5 | 7.15 | -14.71% | 1 | 0.17% |
| The Global Market Portfolio, (GMP) CREDIT SUISSE | | 8 | -12.76 | 11.83 | 7.94 | 8.44 | 8.56 | -15.60% | 1 | 0.10% |
| Meb Faber Risk Parity Portfolio | | 7 | -8.36 | 9.57 | 4.93 | 7.02 | 5.91 | -7.34% | 1 | 0.14% |
| Robo Advisor Betterment 40 | | 11 | -8.7 | 8.29 | 6.6 | 7.61 | 7.68 | -13.47% | 1 | 0.07% |
| Harry Markowitz Father of Modern Portfolio Theory Portfolio | | 2 | -11.82 | 14.37 | 9.71 | 8.92 | 9.25 | -15.92% | 1 | 0.04% |
| Rick Ferri Transitional Moderate Basic Portfolio | | 5 | -11.1 | 11.45 | 8.18 | 8.04 | 8.56 | -17.05% | 1 | 0.05% |
| Rick Ferri Mature Retired Saver Moderate Basic Portfolio | | 6 | -9.58 | 9.77 | 6.93 | 7.43 | 6.93 | -12.22% | 1 | 0.05% |
| Rick Ferri Mature Retired Saver Moderate Multi Asset Portfolio | | 10 | -8.43 | 8.66 | 6.77 | 7.63 | 6.99 | -12.57% | 1 | 0.06% |
| Balanced Portfolio 10/90 | | 2 | -10.04 | 9.04 | 4.24 | 6.5 | 4.78 | -2.41% | 1 | 0.04% |
| Balanced Portfolio 20/80 | | 2 | -10.48 | 10.37 | 5.62 | 7.15 | 5.47 | -3.28% | 1 | 0.04% |
| Balanced Portfolio 30/70 | | 2 | -10.93 | 11.71 | 7.0 | 7.77 | 6.53 | -7.49% | 1 | 0.04% |
| Balanced Portfolio 40/60 | | 2 | -11.37 | 13.04 | 8.36 | 8.36 | 7.83 | -11.71% | 1 | 0.04% |
| Balanced Portfolio 50/50 | | 2 | -11.82 | 14.37 | 9.71 | 8.92 | 9.25 | -15.92% | 1 | 0.04% |
| Index Fund Advisors, Portfolio 40 | | 16 | -7.83 | 5.89 | 6.05 | 6.92 | 6.93 | -13.07% | 1 | 0.10% |
| Index Fund Advisors, Portfolio 30 | | 16 | -7.41 | 5.68 | 4.98 | 6.18 | 5.36 | -8.79% | 1 | 0.09% |
| Index Fund Advisors, Portfolio 20 | | 16 | -7.0 | 5.47 | 3.89 | 5.42 | 3.93 | -4.51% | 1 | 0.08% |
| Index Fund Advisors, Portfolio 10 | | 16 | -6.59 | 5.26 | 2.79 | 4.63 | 2.86 | -0.23% | 1 | 0.07% |
| Paul Merriman Best-in-Class ETFs Portfolio (Conservative) | | 15 | -7.13 | 6.36 | 5.67 | 7.39 | 6.76 | -10.09% | 1 | 0.10% |
| Paul Merriman Target Date Portfolio (65 year old) | | 14 | -7.49 | 6.03 | 7.06 | 8.14 | 8.24 | -14.21% | 1 | 0.10% |
| TD Ameritrade Core Portfolio Conservative | | 5 | -10.26 | 9.83 | 5.59 | 6.91 | 5.57 | -6.02% | 1 | 0.05% |
| TD Ameritrade Core Portfolio Moderate | | 5 | -10.84 | 11.29 | 7.11 | 7.48 | 7.43 | -12.77% | 1 | 0.05% |
| TD Ameritrade Core Portfolio Moderate Growth | | 5 | -11.22 | 12.26 | 8.11 | 7.82 | 8.87 | -17.28% | 1 | 0.05% |
| Merrill Lynch Edge Select Portfolio, Conservative | | 12 | -7.37 | 6.81 | 4.84 | 6.33 | 4.87 | -5.24% | 1 | 0.10% |
| Merrill Lynch Edge Select Portfolio, Moderately Conservative | | 12 | -10.93 | 11.68 | 7.33 | 7.97 | 7.68 | -12.84% | 1 | 0.09% |
| David Booth (DFA) Fixed Income Portfolio | | 4 | -7.31 | 6.21 | 1.94 | 4.24 | 3.11 | -0.18% | 1 | 0.06% |
| David Booth (DFA) Conservative Portfolio | | 15 | -7.73 | 6.22 | 4.15 | 5.74 | 3.89 | -3.04% | 1 | 0.08% |
| David Booth (DFA) Moderate Portfolio | | 15 | -8.15 | 6.23 | 6.31 | 7.12 | 6.61 | -12.14% | 1 | 0.10% |
| Rick Ferri Core 4 fund Portfolio (40/60) | | 4 | -10.95 | 10.82 | 7.17 | 7.7 | 7.25 | -12.56% | 1 | 0.05% |
| Rick Ferri Core 4 fund Portfolio (20/80) | | 4 | -10.27 | 9.27 | 5.02 | 6.81 | 5.14 | -3.71% | 1 | 0.04% |
| Vanguard LifeStrategy Income Fund (20/80) | | 4 | -9.84 | 8.85 | 5.15 | 6.62 | 4.99 | -3.73% | 1 | 0.05% |
| Vanguard LifeStrategy Conservative Growth (40/60) | | 4 | -10.69 | 10.91 | 7.16 | 7.41 | 7.43 | -12.81% | 1 | 0.05% |
| T. Rowe Price ActivePlus Portfolio, Model 10 | | 5 | -8.76 | 7.49 | 4.22 | 6.24 | 4.43 | -6.32% | 1 | 0.04% |
| T. Rowe Price ActivePlus Portfolio, Model 20 | | 4 | -10.03 | 8.76 | 5.61 | 7.01 | 5.56 | -9.72% | 1 | 0.04% |
| T. Rowe Price ActivePlus Portfolio, Model 30 | | 4 | -10.25 | 10.14 | 6.62 | 7.38 | 6.51 | -13.52% | 1 | 0.04% |
| T. Rowe Price ActivePlus Portfolio, Model 40 | | 4 | -10.58 | 11.21 | 7.67 | 7.81 | 7.62 | -17.97% | 1 | 0.04% |
| Schwab Managed Portfolio, Conservative Income | | 6 | -5.41 | 4.39 | 2.95 | 5.54 | 4.07 | -1.95% | 1 | 0.10% |
| Schwab Managed Portfolio, Income With Growth | | 10 | -6.82 | 6.14 | 4.95 | 6.39 | 5.15 | -8.25% | 1 | 0.09% |
| Schwab Managed Portfolio, Balanced | | 11 | -6.95 | 7.41 | 6.37 | 7.27 | 7.83 | -17.18% | 1 | 0.11% |
| Meb Faber GAA | | 10 | -9.71 | 11.32 | 7.27 | 8.09 | 8.15 | -15.76% | 1 | 0.14% |
| All Seasons Portfolio | | 8 | -9.86 | 14.38 | 6.44 | 8.33 | 7.18 | -4.03% | 1 | 0.16% |
| Morningstar Lifetime Allocation Index Moderate, Income | | 18 | -6.85 | 7.94 | 6.28 | 7.66 | 7.13 | -13.65% | 1 | 0.09% |
| Morningstar Lifetime Allocation Index Conservative, 2030 | | 18 | -9.08 | 9.09 | 7.36 | 8.21 | 8.57 | -17.47% | 1 | 0.09% |
| Morningstar Lifetime Allocation Index Conservative, Income | | 18 | -6.05 | 6.97 | 4.85 | 7.0 | 5.83 | -8.44% | 1 | 0.08% |
| Dimensional Retirement Income Fund | | 7 | -4.28 | 7.25 | 4.44 | 6.57 | 5.48 | -7.73% | 1 | 0.05% |
| 7-Twelve Portfolio Age Based 60-70 by Craig Israelsen | | 12 | -2.67 | 5.08 | 4.42 | 6.12 | 6.17 | -13.04% | 1 | 0.15% |
| 7-Twelve Portfolio Age Based 70 Plus by Craig Israelsen | | 12 | -1.78 | 3.53 | 3.15 | 5.04 | 4.38 | -8.00% | 1 | 0.15% |
| Dan Solin SuperSmart Portfolio, Low Risk | | 8 | -4.26 | 3.5 | 3.29 | 5.57 | 4.09 | -2.62% | 1 | 0.07% |
| Dan Solin SuperSmart Portfolio, Medium-Low Risk | | 8 | -5.53 | 3.96 | 5.51 | 7.01 | 6.71 | -11.84% | 1 | 0.10% |
| Dan Solin The Smartest ETF Portfolio, Low Risk | | 2 | -5.03 | 5.75 | 3.34 | 5.13 | 3.93 | -3.19% | 1 | 0.06% |
| Dan Solin The Smartest ETF Portfolio, Medium-Low Risk | | 2 | -7.05 | 8.47 | 5.6 | 6.09 | 6.77 | -12.98% | 1 | 0.06% |
| Dan Solin The Smartest Index Portfolio, Low Risk | | 3 | -10.35 | 9.78 | 5.11 | 6.81 | 5.22 | -3.71% | 1 | 0.04% |
| Dan Solin The Smartest Index Portfolio, Medium-Low Risk | | 3 | -11.12 | 11.85 | 7.33 | 7.7 | 7.5 | -12.56% | 1 | 0.04% |
| TIAA-CREF Lifecycle Index Retirement Income | | 6 | -9.57 | 11.14 | 7.15 | 7.76 | 7.6 | -13.27% | 1 | 0.04% |
| William Bernstein Taxable Ted 40/60 | | 5 | -9.53 | 8.46 | 7.19 | 7.46 | 7.04 | -13.66% | 1 | 0.06% |
| William Bernstein Taxable Ted 30/70 | | 5 | -8.99 | 7.8 | 6.11 | 6.96 | 5.8 | -9.63% | 1 | 0.06% |
| William Bernstein Taxable Ted 20/80 | | 5 | -8.45 | 7.13 | 5.03 | 6.43 | 4.76 | -5.60% | 1 | 0.06% |
| William Bernstein Taxable Ted 10/90 | | 5 | -7.91 | 6.47 | 3.93 | 5.87 | 4.1 | -1.85% | 1 | 0.06% |
| William Bernstein Taxable Ted 100% Bonds | | 1 | -7.37 | 5.8 | 2.82 | 5.29 | 3.99 | -2.30% | 1 | 0.06% |
| William Bernstein Sheltered Sam 40/60 | | 12 | -5.38 | 5.95 | 6.51 | 7.6 | 7.61 | -17.12% | 1 | 0.08% |
| William Bernstein Sheltered Sam 30/70 | | 12 | -4.85 | 5.73 | 5.52 | 7.08 | 6.54 | -13.81% | 1 | 0.07% |
| William Bernstein Sheltered Sam 20/80 | | 12 | -4.32 | 5.5 | 4.51 | 6.55 | 5.64 | -10.51% | 1 | 0.06% |
| William Bernstein Sheltered Sam 10/90 | | 12 | -3.79 | 5.28 | 3.49 | 5.99 | 5.0 | -7.20% | 1 | 0.06% |
| William Bernstein Sheltered Sam 100% Bonds | | 2 | -3.27 | 5.06 | 2.46 | 5.41 | 4.72 | -3.90% | 1 | 0.05% |
| William Bernstein Charlie Cringe Portfolio | | 4 | -8.13 | 9.62 | 7.83 | 7.49 | 7.99 | -15.62% | 1 | 0.05% |
| Robo Advisor Betterment 30 | | 12 | -7.97 | 7.03 | 5.44 | 7.11 | 6.67 | -10.91% | 1 | 0.08% |
| Robo Advisor Betterment 20 | | 12 | -6.46 | 5.84 | 4.07 | 6.18 | 4.94 | -5.81% | 1 | 0.07% |
| Robo Advisor Betterment 10 | | 12 | -4.94 | 4.68 | 2.69 | 5.21 | 3.66 | -0.72% | 1 | 0.06% |
| Robo Advisor Betterment 0 | | 2 | -3.43 | 3.46 | 1.31 | 4.21 | 3.37 | 0.00% | 1 | 0.05% |
| Rick Ferri Total Economy Core-4 Portfolio Low-Risk | | 4 | -10.02 | 8.51 | 4.84 | 6.74 | 5.02 | -3.83% | 1 | 0.05% |
| Rick Ferri Total Economy Core-4 Portfolio Conservative | | 4 | -10.45 | 9.31 | 6.81 | 7.55 | 7.08 | -12.81% | 1 | 0.06% |
| Rick Ferri Global Markets Core-4 Low-Risk | | 4 | -9.98 | 9.08 | 5.34 | 6.74 | 5.04 | -3.44% | 1 | 0.05% |
| Rick Ferri Global Markets Core-4 Conservative | | 4 | -10.85 | 11.22 | 7.58 | 7.63 | 7.4 | -12.15% | 1 | 0.04% |
| Rick Ferri Inflation Fighter Core-4 Portfolio Low-Risk | | 4 | -8.56 | 9.26 | 5.42 | 7.14 | 6.76 | -12.27% | 1 | 0.09% |
| Rick Ferri Income Seeker Core-4 Portfolio Low-Risk | | 4 | -12.14 | 8.15 | 6.58 | 7.51 | 7.95 | -16.15% | 1 | 0.21% |
| Rick Ferri Socially Conscious ESG Core-4 Portfolio Low-Risk | | 4 | -11.51 | 11.0 | 5.68 | 7.25 | 5.92 | -4.58% | 1 | 0.08% |
| Rick Ferri Socially Conscious ESG Core-4 Portfolio Conservative | | 4 | -12.0 | 12.66 | 7.83 | 8.01 | 7.85 | -13.01% | 1 | 0.07% |
| 3 Fund Portfolio 40/60 | | 3 | -11.15 | 11.68 | 7.44 | 7.68 | 7.43 | -12.22% | 1 | 0.04% |
| 3 Fund Portfolio 20/80 | | 3 | -10.37 | 9.7 | 5.16 | 6.81 | 5.19 | -3.54% | 1 | 0.04% |
| FPL Capital Management Portfolio 10 | | 9 | -9.5 | 7.25 | 3.88 | 6.44 | 4.62 | -2.08% | 1 | 0.05% |
| FPL Capital Management Portfolio 20 | | 9 | -9.42 | 6.84 | 4.92 | 7.04 | 5.12 | -3.76% | 1 | 0.07% |
| FPL Capital Management Portfolio 30 | | 9 | -9.34 | 6.41 | 5.95 | 7.61 | 6.06 | -8.21% | 1 | 0.09% |
| FPL Capital Management Portfolio 40 | | 9 | -9.26 | 5.97 | 6.96 | 8.15 | 7.26 | -12.67% | 1 | 0.10% |
| FPL Capital Management Portfolio 50 | | 9 | -9.17 | 5.54 | 7.96 | 8.66 | 8.62 | -17.12% | 1 | 0.12% |
| Assetbuilder.com Portfolio 5 | | 11 | -8.2 | 6.35 | 4.13 | 6.27 | 4.27 | -1.95% | 1 | 0.11% |
| Assetbuilder.com Portfolio 6 | | 12 | -8.39 | 6.18 | 5.24 | 7.11 | 5.64 | -6.66% | 1 | 0.13% |
| Assetbuilder.com Portfolio 7 | | 14 | -9.0 | 7.01 | 6.39 | 7.87 | 7.25 | -11.78% | 1 | 0.15% |
| Robo Advisor Wealthsimple Portfolio Conservative | | 7 | -10.81 | 10.49 | 5.7 | 7.47 | 6.25 | -5.52% | 1 | 0.07% |
| Robo Advisor WiseBanyan 40% stocks | | 9 | -9.91 | 10.26 | 7.37 | 7.96 | 8.2 | -16.69% | 1 | 0.10% |
| Robo Advisor WiseBanyan 30% stocks | | 9 | -9.36 | 9.48 | 6.37 | 7.56 | 7.01 | -12.64% | 1 | 0.09% |
| Robo Advisor WiseBanyan 20% stocks | | 9 | -8.58 | 8.45 | 5.23 | 7.03 | 5.89 | -8.49% | 1 | 0.08% |
| Robo Advisor WiseBanyan 13% stocks | | 9 | -7.23 | 7.01 | 4.01 | 6.27 | 4.79 | -4.45% | 1 | 0.07% |
| PWL Capital Toronto (CA) 50% Stocks | | 5 | -9.79 | 10.46 | 7.24 | 8.3 | 8.85 | -15.51% | 1 | 0.07% |
| PWL Capital Toronto (CA) 40% Stocks | | 5 | -10.0 | 10.15 | 6.45 | 8.02 | 7.61 | -11.03% | 1 | 0.07% |
| PWL Capital Toronto (CA) 30% Stocks | | 5 | -10.08 | 9.73 | 5.55 | 7.76 | 6.66 | -6.62% | 1 | 0.08% |
| PWL Capital Toronto (CA) 20% Stocks | | 5 | -10.19 | 9.37 | 4.74 | 7.45 | 5.91 | -3.44% | 1 | 0.08% |
| PWL Capital Toronto (US) 50% Stocks | | 4 | -11.51 | 12.78 | 8.37 | 8.29 | 9.07 | -17.06% | 1 | 0.04% |
| PWL Capital Toronto (US) 40% Stocks | | 4 | -11.12 | 11.73 | 7.28 | 7.83 | 7.61 | -12.61% | 1 | 0.04% |
| PWL Capital Toronto (US) 30% Stocks | | 4 | -10.73 | 10.74 | 6.14 | 7.41 | 6.38 | -8.27% | 1 | 0.04% |
| PWL Capital Toronto (US) 20% Stocks | | 4 | -10.36 | 9.81 | 5.1 | 6.94 | 5.34 | -3.77% | 1 | 0.04% |
| PWL Capital Layton-Guay Portfolios (CA) 30/70 Conservative | | 7 | -10.19 | 8.78 | 5.94 | 7.24 | 6.59 | -10.38% | 1 | 0.08% |
| PWL Capital Layton-Guay Portfolios (CA) 40/60 Cautious | | 7 | -10.26 | 9.35 | 6.83 | 7.61 | 7.89 | -14.78% | 1 | 0.07% |
| PWL Capital Layton-Guay Portfolios (US) 30/70 Conservative | | 6 | -10.52 | 9.33 | 6.28 | 6.97 | 6.42 | -11.48% | 1 | 0.05% |
| PWL Capital Layton-Guay Portfolios (US) 40/60 Cautious | | 6 | -10.91 | 10.29 | 7.33 | 7.45 | 7.88 | -15.83% | 1 | 0.05% |
| PWL Capital Nancy And Her Team (CA), Conservative | | 7 | -7.58 | 6.92 | 5.15 | 5.56 | 5.49 | -12.84% | 1 | 0.06% |
| PWL Capital Nancy And Her Team (CA), Cautious | | 7 | -7.82 | 7.33 | 6.05 | 6.1 | 6.81 | -16.36% | 1 | 0.06% |
| PWL Capital Nancy And Her Team (US), Conservative | | 6 | -8.73 | 8.38 | 5.82 | 5.8 | 5.74 | -13.18% | 1 | 0.05% |
| PWL Capital Nancy And Her Team (US), Cautious | | 6 | -9.34 | 9.28 | 6.94 | 6.4 | 7.14 | -16.82% | 1 | 0.05% |
| PWL Capital Passmore & Felix (CA), 40/60 | | 6 | -8.93 | 8.31 | 6.5 | 6.39 | 6.57 | -13.25% | 1 | 0.06% |
| PWL Capital Passmore & Felix (CA), 50/50 | | 6 | -8.98 | 8.82 | 7.37 | 6.94 | 7.96 | -16.94% | 1 | 0.05% |
| PWL Capital Passmore & Felix (US), 40/60 | | 5 | -10.51 | 10.33 | 7.42 | 6.71 | 6.99 | -13.74% | 1 | 0.05% |
| PWL Capital Passmore & Felix (US), 50/50 | | 5 | -10.97 | 11.37 | 8.52 | 7.33 | 8.48 | -17.55% | 1 | 0.05% |
| Bogle Tax Sheltered | | 5 | -9.9 | 12.66 | 8.78 | 8.38 | 8.58 | -14.24% | 1 | 0.05% |
| Gyroscopic Desert Portfolio | Coming soon | 3 | -9.61 | 13.44 | 6.95 | 7.71 | 6.34 | -7.46% | 1 | 0.06% |
| Portfoliocharts Golden Butterfly | Coming soon | 5 | -9.14 | 15.74 | 7.94 | 8.4 | 7.35 | -7.40% | 1 | 0.12% |
| Paul Boyer Permanent Portfolio (MMM) | Coming soon | 5 | -7.1 | 13.8 | 4.51 | 7.58 | 7.34 | -6.16% | 1 | 0.14% |
| Canadian Portfolio Manager Model Portfolios (CA) 20% Stocks | Coming soon | 5 | -10.31 | 9.51 | 4.82 | 7.45 | 5.89 | -3.36% | 1 | 0.08% |
| Canadian Portfolio Manager Model Portfolios (CA) 30% Stocks | Coming soon | 5 | -10.23 | 9.97 | 5.72 | 7.79 | 6.62 | -6.54% | 1 | 0.08% |
| Canadian Portfolio Manager Model Portfolios (CA) 40% Stocks | Coming soon | 5 | -10.15 | 10.42 | 6.59 | 8.11 | 7.65 | -11.04% | 1 | 0.07% |
| Canadian Portfolio Manager Model Portfolios (CA) 50% Stocks | Coming soon | 5 | -10.06 | 10.88 | 7.46 | 8.4 | 8.87 | -15.53% | 1 | 0.07% |
| Canadian Portfolio Manager Model Portfolios (US) 20% Stocks | Coming soon | 4 | -10.36 | 9.78 | 5.12 | 6.91 | 5.3 | -3.71% | 1 | 0.04% |
| Canadian Portfolio Manager Model Portfolios (US) 30% Stocks | Coming soon | 4 | -10.75 | 10.8 | 6.23 | 7.41 | 6.34 | -8.15% | 1 | 0.04% |
| Canadian Portfolio Manager Model Portfolios (US) 40% Stocks | Coming soon | 4 | -11.14 | 11.84 | 7.35 | 7.89 | 7.64 | -12.58% | 1 | 0.04% |
| Canadian Portfolio Manager Model Portfolios (US) 50% Stocks | Coming soon | 4 | -11.52 | 12.87 | 8.44 | 8.33 | 9.08 | -17.02% | 1 | 0.04% |
| Canadian Couch Potato Model Portfolios (CA) Conservative | Coming soon | 3 | -10.1 | 9.82 | 5.56 | 7.53 | 6.4 | -6.92% | 1 | 0.09% |
| Canadian Couch Potato Model Portfolios (CA) Cautious | Coming soon | 3 | -9.91 | 10.43 | 6.8 | 7.86 | 8.02 | -13.85% | 1 | 0.08% |
| Canadian Couch Potato Model Portfolios (US) Conservative | Coming soon | 3 | -10.74 | 10.82 | 6.16 | 7.17 | 6.16 | -8.56% | 1 | 0.05% |
| Canadian Couch Potato Model Portfolios (US) Cautious | Coming soon | 3 | -11.32 | 12.38 | 7.78 | 7.75 | 8.15 | -15.42% | 1 | 0.05% |
| Robo Advisor Wealthsimple Risk Level 05 | | 6 | -13.43 | 13.59 | 8.76 | 9.11 | 10.29 | -17.15% | 1 | 0.09% |
| Robo Advisor Wealthsimple Risk Level 04 | | 6 | -13.41 | 13.18 | 7.98 | 8.78 | 8.9 | -12.42% | 1 | 0.09% |
| Robo Advisor Wealthsimple Risk Level 03 | | 6 | -12.27 | 11.3 | 7.19 | 8.08 | 7.42 | -9.74% | 1 | 0.09% |
| Robo Advisor Wealthsimple Risk Level 02 | | 6 | -11.71 | 10.37 | 6.78 | 7.72 | 6.72 | -8.28% | 1 | 0.09% |
| Robo Advisor Wealthsimple Risk Level 01 | | 6 | -11.71 | 10.21 | 6.37 | 7.52 | 6.23 | -6.08% | 1 | 0.09% |
| The Canonical Portfolio (CA) 50% Stocks | Coming soon | 4 | -9.84 | 10.23 | 7.33 | 8.0 | 8.51 | -15.09% | 1 | 0.07% |
| The Canonical Portfolio (CA) 40% Stocks | Coming soon | 4 | -9.95 | 9.89 | 6.49 | 7.79 | 7.34 | -10.68% | 1 | 0.07% |
| The Canonical Portfolio (CA) 30% Stocks | Coming soon | 4 | -10.09 | 9.57 | 5.64 | 7.55 | 6.38 | -6.28% | 1 | 0.08% |
| The Canonical Portfolio (US) 50% Stocks | Coming soon | 3 | -11.5 | 12.48 | 8.43 | 7.97 | 8.81 | -16.64% | 1 | 0.04% |
| The Canonical Portfolio (US) 40% Stocks | Coming soon | 3 | -11.12 | 11.54 | 7.34 | 7.61 | 7.41 | -12.28% | 1 | 0.04% |
| The Canonical Portfolio (US) 30% Stocks | Coming soon | 3 | -10.74 | 10.58 | 6.23 | 7.2 | 6.16 | -7.92% | 1 | 0.04% |
| Robo Advisor Fidelity GO Taxable Conservative | | 7 | -7.7 | 6.42 | 4.84 | 5.66 | 4.37 | -6.76% | 1 | 0.06% |
| Robo Advisor Fidelity GO Taxable Moderate With Income | | 7 | -8.63 | 7.71 | 6.12 | 6.4 | 5.79 | -11.07% | 1 | 0.06% |
| Robo Advisor Fidelity GO Taxable Moderate | | 7 | -9.31 | 8.86 | 7.28 | 7.0 | 7.23 | -15.19% | 1 | 0.06% |
| Robo Advisor Fidelity GO Tax-advantaged Conservative | | 7 | -8.29 | 7.68 | 4.58 | 5.97 | 4.48 | -4.15% | 1 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Moderate With Income | | 7 | -9.22 | 8.97 | 5.86 | 6.72 | 5.8 | -8.46% | 1 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Moderate | | 7 | -9.83 | 9.99 | 7.04 | 7.3 | 7.19 | -12.84% | 1 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Balanced | | 7 | -10.45 | 11.02 | 8.21 | 7.85 | 8.68 | -17.22% | 1 | 0.05% |
| Robo Advisor SigFig Taxable 04 | | 8 | -10.28 | 11.73 | 7.6 | 8.28 | 9.04 | -17.28% | 1 | 0.05% |
| Robo Advisor SigFig Taxable 03 | | 8 | -9.6 | 10.85 | 6.95 | 7.89 | 8.14 | -14.77% | 1 | 0.05% |
| Robo Advisor SigFig Taxable 02 | | 8 | -9.24 | 9.82 | 6.22 | 7.45 | 7.1 | -12.04% | 1 | 0.05% |
| Robo Advisor SigFig Taxable 01 | | 8 | -8.96 | 9.11 | 5.64 | 7.17 | 6.49 | -10.21% | 1 | 0.05% |
| Robo Advisor SigFig Tax Sheltered 04 | | 8 | -10.0 | 9.56 | 6.91 | 8.17 | 8.97 | -17.51% | 1 | 0.07% |
| Robo Advisor SigFig Tax Sheltered 03 | | 8 | -9.77 | 9.17 | 6.54 | 8.0 | 8.35 | -15.71% | 1 | 0.07% |
| Robo Advisor SigFig Tax Sheltered 02 | | 8 | -9.3 | 8.43 | 5.85 | 7.63 | 6.94 | -11.47% | 1 | 0.07% |
| Robo Advisor SigFig Tax Sheltered 01 | | 8 | -8.92 | 8.06 | 5.51 | 7.51 | 6.66 | -10.40% | 1 | 0.07% |
| Axos Invest 40% Stocks | Coming soon | 9 | -9.91 | 10.26 | 7.37 | 7.96 | 8.2 | -16.69% | 1 | 0.10% |
| Axos Invest 30% Stocks | Coming soon | 9 | -9.36 | 9.48 | 6.37 | 7.56 | 7.01 | -12.64% | 1 | 0.09% |
| Axos Invest 20% Stocks | Coming soon | 9 | -8.57 | 8.43 | 5.22 | 7.03 | 5.88 | -8.46% | 1 | 0.08% |
| Axos Invest 0% Stocks | Coming soon | 5 | -6.47 | 6.44 | 2.66 | 5.55 | 4.5 | -2.42% | 1 | 0.07% |
| The Rip Van Winkle Portfolio John Bogle Tax Sheltered | | 5 | -10.5 | 12.8 | 8.91 | 8.36 | 9.02 | -17.42% | 1 | 0.05% |
| Mark Hebner Portfolio 25% Stocks | | 9 | -6.48 | 5.59 | 5.29 | 7.09 | 5.92 | -6.79% | 1 | 0.08% |
| Fidelity Target Allocation Index-Focused Model Portfolios 20% Stocks | Coming soon | 6 | -8.77 | 8.39 | 4.76 | 6.46 | 4.84 | -3.64% | 1 | 0.05% |
| Fidelity Target Allocation Index-Focused Model Portfolios 40% Stocks | Coming soon | 7 | -10.03 | 10.3 | 7.12 | 7.53 | 7.29 | -12.64% | 1 | 0.05% |
| SoFi Model Portfolios Taxable Conservative | | 3 | -7.6 | 5.18 | 2.96 | 5.09 | 3.7 | -1.98% | 1 | 0.06% |
| SoFi Model Portfolios Taxable Moderately Conservative | | 6 | -9.3 | 8.34 | 5.79 | 6.61 | 6.23 | -11.80% | 1 | 0.05% |
| SoFi Model Portfolios Retirement Conservative | | 4 | -9.25 | 7.29 | 2.89 | 5.85 | 4.42 | -2.58% | 1 | 0.06% |
| SoFi Model Portfolios Retirement Moderately Conservative | | 6 | -10.76 | 9.69 | 5.82 | 7.35 | 6.96 | -11.80% | 1 | 0.07% |
| Robo Advisor Betterment 2020 Taxable 40% Stocks | Coming soon | 12 | -9.6 | 7.92 | 6.94 | 7.69 | 7.99 | -15.35% | 1 | 0.08% |
| Robo Advisor Betterment 2020 Taxable 30% Stocks | Coming soon | 12 | -8.36 | 7.08 | 5.76 | 7.09 | 6.4 | -10.53% | 1 | 0.08% |
| Robo Advisor Betterment 2020 Taxable 20% Stocks | Coming soon | 12 | -7.07 | 6.19 | 4.49 | 6.39 | 4.97 | -5.62% | 1 | 0.07% |
| Robo Advisor Betterment 2020 Taxable 10% Stocks | Coming soon | 12 | -5.64 | 5.13 | 3.11 | 5.55 | 3.86 | -1.43% | 1 | 0.06% |
| Robo Advisor Betterment 2020 Taxable 0% Stocks | Coming soon | 1 | -3.0 | 3.04 | 1.02 | 4.02 | 3.51 | 0.00% | 1 | 0.05% |
| Robo Advisor Betterment 2020 Retirement 40% Stocks | Coming soon | 12 | -9.02 | 7.07 | 6.93 | 7.43 | 7.9 | -16.30% | 1 | 0.08% |
| Robo Advisor Betterment 2020 Retirement 30% Stocks | Coming soon | 12 | -7.83 | 6.31 | 5.76 | 6.85 | 6.28 | -11.42% | 1 | 0.07% |
| Robo Advisor Betterment 2020 Retirement 20% Stocks | Coming soon | 12 | -6.61 | 5.51 | 4.49 | 6.19 | 4.82 | -6.38% | 1 | 0.07% |
| Robo Advisor Betterment 2020 Retirement 10% Stocks | Coming soon | 12 | -5.28 | 4.61 | 3.11 | 5.4 | 3.69 | -1.21% | 1 | 0.06% |
| Robo Advisor Betterment 2020 Retirement 0% Stocks | Coming soon | 1 | -3.0 | 3.04 | 1.02 | 4.02 | 3.51 | 0.00% | 1 | 0.05% |
| Dimensional Fund Advisors Model Portfolios 0% Stocks Fixed | | 4 | -7.31 | 6.21 | 1.94 | 4.24 | 3.11 | -0.18% | 1 | 0.06% |
| Dimensional Fund Advisors Model Portfolios 20% Stocks Conservative | | 15 | -7.78 | 6.51 | 4.08 | 5.63 | 3.93 | -3.12% | 1 | 0.08% |
| Dimensional Fund Advisors Model Portfolios 40% Stocks Moderate | | 15 | -8.24 | 6.81 | 6.17 | 6.89 | 6.77 | -12.31% | 1 | 0.10% |
| Bogleheads Guide to Investing - An Investor in Early Retirement | Coming soon | 4 | -8.45 | 11.08 | 7.47 | 7.88 | 7.73 | -14.51% | 1 | 0.04% |
| Bogleheads Guide to Investing - An Investor in Late Retirement | Coming soon | 3 | -6.83 | 9.27 | 5.45 | 7.26 | 5.91 | -6.45% | 1 | 0.04% |
| Robo Advisor J.P. Morgan You Invest Aggressive | Coming soon | 7 | -9.98 | 9.57 | 5.23 | 7.01 | 5.74 | -6.28% | 1 | 0.05% |
| Robo Advisor Morgan Stanley Acces Investing Wealth Conservation | Coming soon | 5 | -9.42 | 8.81 | 4.49 | 6.52 | 5.07 | -4.03% | 1 | 0.04% |
| Robo Advisor Merrill Guided Investing Taxable Moderately Conservative | Coming soon | 11 | -9.63 | 9.11 | 7.25 | 7.59 | 7.68 | -14.90% | 1 | 0.06% |
| Robo Advisor Merrill Guided Investing Taxable Conservative | Coming soon | 10 | -7.36 | 7.48 | 5.58 | 6.44 | 4.97 | -6.19% | 1 | 0.09% |
| Robo Advisor Merrill Guided Investing Conservative | Coming soon | 10 | -7.19 | 7.38 | 5.03 | 6.39 | 4.83 | -4.77% | 1 | 0.10% |
| Institute of Business and Finance Income Portfolio | Coming soon | 4 | -8.16 | 6.31 | 3.64 | 6.53 | 5.56 | -4.07% | 1 | 0.15% |
| J. D. Steinhilber Conservative Growth | Coming soon | -5.32 | 8.47 | 6.22 | 6.83 | 6.55 | -12.25% | 1 | 0.09% | |
| J. D. Steinhilber Moderate Growth | Coming soon | 10 | -6.86 | 11.06 | 7.42 | 7.77 | 8.57 | -17.23% | 1 | 0.09% |
| Larry Swedroe Model Portfolios Conservative | | 12 | -5.74 | 4.61 | 5.59 | 6.76 | 6.53 | -11.68% | 1 | 0.08% |
| Steven Schoenfeld Model ETF Portfolio Conservative | Coming soon | 10 | -10.04 | 8.9 | 8.06 | 8.74 | 7.8 | -13.87% | 1 | 0.08% |
| Dr. Marvin Appel One-Decision Portfolio | Coming soon | 8 | -7.28 | 4.66 | 7.92 | 8.02 | 7.89 | -16.38% | 1 | 0.10% |
| Goldman Sachs Target Date Retirement Income Portfolio | | 9 | -9.64 | 6.1 | 7.09 | 8.15 | 8.19 | -16.50% | 1 | 0.13% |
| Rob Arnott ETF.com model portfolio | Coming soon | 7 | -6.33 | 6.11 | 6.07 | 7.75 | 7.89 | -16.70% | 1 | 0.21% |
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?
