This is the article detailing the William Bernstein portfolios. William Bernstein is one of the 3 good guys in investing. He is truly one of the giants in investing. In this article, you will find 32 of his portfolios along with asset allocation and performance.
William Bernstein Portfolios: The Portfolio Giant
Contents
- 1 William Bernstein Portfolios: The Portfolio Giant
- 1.1 Who is William Bernstein?
- 1.2 What is special about the William Bernstein portfolios?
- 1.3 Performance of the William Bernstein portfolios
- 1.4 Asset Allocation of the William Bernstein portfolios
- 1.4.1 William Bernstein Cowards Portfolio
- 1.4.2 William Bernstein Four Pillars High-Risk Portfolio
- 1.4.3 William Bernstein Four Pillars Low-Risk Portfolio
- 1.4.4 William Bernstein Four Pillars Medium Portfolio
- 1.4.5 William Bernstein No Brainer Portfolio
- 1.4.6 William Bernstein Sheltered Sam Portfolio
- 1.4.7 William Bernstein Sheltered Sam 100% Stocks
- 1.4.8 William Bernstein Sheltered Sam 90/10
- 1.4.9 William Bernstein Sheltered Sam 80/20
- 1.4.10 William Bernstein Sheltered Sam 70/30
- 1.4.11 William Bernstein Sheltered Sam 60/40
- 1.4.12 William Bernstein Sheltered Sam 50/50
- 1.4.13 William Bernstein Sheltered Sam 40/60
- 1.4.14 William Bernstein Sheltered Sam 30/70
- 1.4.15 William Bernstein Sheltered Sam 20/80
- 1.4.16 William Bernstein Sheltered Sam 10/90
- 1.4.17 William Bernstein Sheltered Sam 100% Bonds
- 1.4.18 William Bernstein Young Yvonne Portfolio
- 1.4.19 William Bernstein Charlie Cringe Portfolio
- 1.4.20 William Bernstein Wendy Wonk Portfolio
- 1.4.21 William Bernstein Between Charlie and Wendy Portfolio
- 1.5 Resources for William Bernstein
- 1.6 Conclusion
Who is William Bernstein?
William Bernstein, a former doctor, investment consultant and an all around good guy in the investing world has presented a host of portfolios through his career. His book, The Four Pillars of Investing: Lessons for Building a Winning Portfolio is required reading on investing. His investing philosophy is broad diversification, common sense and with a realistic expectation of future returns. Other books that come highly recommended are Rational Expectations: Asset Allocation for Investing Adults and The Intelligent Asset Allocator: How to Build Your Portfolio to Maximize Returns and Minimize Risk.
William Bernstein is one of the first names you encounter when entering the investing world, especially personal investing world. But his investing principles are applicable to institutional investing as well.
His book William Bernstein: The Four Pillars of Investing: Lessons for Building a Winning Portfolio is one of the best books on investing you can read. It is on our very short list of the very best investing book ever written.
William Bernstein is also one of the very few good guys in investing. He has gone above and beyond in helping the everyday investor to get better returns through a solid investing framework.
Get this on Amazon – The audiobook is especially recommended as the narrator is phenomenal.
What is special about the William Bernstein portfolios?
The one thing that William Bernstein focus on in his portfolios is diversification through many asset classes. He is a self-proclaimed asset class junkie.
Therefore his portfolios display very broad diversification.
In addition to this William Bernstein is a 360-degree investor so he takes into account a lot of factors. For example:
- Asset location (to minimize taxes)
- Specific asset class to minimize taxes like muni bonds
- Your age
- Your appetite for risk
- Your employer’s fund offerings if you are investing through a 401K.
All this makes Bernstein shine as a very helpful guide in all of your investment endeavors.
Finally, he is adamant about facing reality and being very aware of what you can actually expect in returns of your portfolios.
William Bernstein’s most famous portfolios are the lazy portfolios. The two are the No-brainer portfolio and the Cowards’ portfolio. You can read more about those specific portfolios in our posts on lazy portfolios Lazy Portfolios and 5 Reasons Why A Lazy Portfolio Is Right For You.
If you are interested in learning way more about William Bernstein and his investing philosophy pick up one or two of his books. Apart from his book Four Pillars I very much recommend the following two:
Get it on Amazon – The audiobook has GREAT narration.
Performance of the William Bernstein portfolios
| Portfolio Name | Number of asset classes | 1 year return 2018 | YTD (September 2019) | 10 year return | CAGR since 1989 | Std | Sharpe | Drawdown | Risk Level | Market Correlation | Dollar Value |
|---|---|---|---|---|---|---|---|---|---|---|---|
| S&P 500 (Benchmark) | 1 | -4.52% | 20.36% | 12.97% | 9.84% | 17.46% | 0.48 | -37.71% | 5 - very high risk | 0.99 | $167,045.76 |
| 60/40 Portfolio | 2 | -3.20% | 15.34% | 9.35% | 8.64% | 11.00% | 0.57 | -20.20% | 2 - low risk | 0.98 | $120,261.40 |
| Three Fund Portfolio (50-30-20) | 3 | -6.99% | 14.91% | 9.30% | 7.82% | 13.95% | 0.41 | -30.74% | 4 - high risk | 0.96 | $95,687.88 |
| 4 Fund Portfolio | 4 | -4.91% | 14.15% | 8.14% | 7.80% | 10.27% | 0.51 | -21.47% | 3 - medium risk | 0.96 | $95,122.94 |
| 7Twelve Portfolio | 12 | -5.94% | 11.72% | 6.61% | 7.57% | 10.32% | 0.49 | -23.19% | 3 - medium risk | 0.79 | $89,255.65 |
| David Swensen's Portfolio | 6 | -5.77% | 15.07% | 8.86% | 8.55% | 11.47% | 0.53 | -26.20% | 3 - medium risk | 0.89 | $117,264.69 |
| The Permanent Portfolio | 4 | -1.69% | 14.98% | 5.75% | 6.60% | 5.66% | 0.63 | -3.23% | 1 - very low risk | 0.57 | $68,075.83 |
| Tony Robbins / Ray Dalio Portfolio | 5 | -3.36% | 16.93% | 6.23% | 8.00% | 7.25% | 0.75 | -3.69% | 1 - very low risk | 0.6 | $100,531.42 |
| Merrimans Ultimate Portfolio | 10 | -12.38% | 12.39% | 10.33% | 8.75% | 18.10% | 0.4 | -41.53% | 5 - very high risk | 0.83 | $123,701.16 |
| Meb Faber Ivy 5 Portfolio | 5 | -8.07% | 14.27% | 6.01% | 7.05% | 11.71% | 0.41 | -31.56% | 4 - high risk | 0.79 | $77,175.93 |
| Meb Faber Ivy 10 Portfolio | 9 | -8.56% | 11.28% | 6.25% | 7.75% | 13.14% | 0.43 | -33.41% | 4 - high risk | 0.73 | $93,889.37 |
| Bill Schultheis Coffeehouse Portfolio | 7 | -5.29% | 12.94% | 8.48% | 8.29% | 10.07% | 0.56 | -20.21% | 2 - low risk | 0.9 | $108,918.59 |
| Warren Buffett Portfolio | 2 | -3.94% | 18.59% | 11.83% | 9.46% | 15.72% | 0.49 | -32.65% | 4 - high risk | 0.99 | $150,709.29 |
| Index Fund Advisors, Portfolio 100 | 12 | -11.16% | 11.99% | 11.68% | 10.08% | 18.12% | 0.47 | -39.64% | 5 - very high risk | 0.87 | $178,425.61 |
| Index Fund Advisors, Portfolio 80 | 16 | -8.62% | 10.77% | 9.81% | 9.27% | 14.49% | 0.49 | -30.64% | 4 - high risk | 0.87 | $143,039.05 |
| Index Fund Advisors, Portfolio 60 | 16 | -6.09% | 9.62% | 7.85% | 8.31% | 10.92% | 0.53 | -21.64% | 3 - medium risk | 0.87 | $109,713.66 |
| Index Fund Advisors, Portfolio 50 | 16 | -4.82% | 9.04% | 6.85% | 7.78% | 9.18% | 0.56 | -17.14% | 2 - low risk | 0.87 | $94,581.82 |
| The Andrew Tobias Portfolio | 3 | -7.04% | 11.59% | 7.95% | 7.24% | 12.14% | 0.4 | -28.09% | 4 - high risk | 0.92 | $81,473.03 |
| The Talmud Portfolio | 3 | -3.84% | 18.53% | 9.68% | 9.04% | 10.79% | 0.6 | -24.14% | 3 - medium risk | 0.85 | $133,974.38 |
| Muhammad El-Erian Portfolio | 8 | -8.64% | 13.50% | 6.66% | 7.93% | 13.20% | 0.44 | -31.28% | 4 - high risk | 0.79 | $98,575.79 |
| The Marc Faber Portfolio | 6 | -4.25% | 17.41% | 7.56% | 7.59% | 9.22% | 0.51 | -16.87% | 2 - low risk | 0.64 | $89,821.58 |
| Ted Aronson Family Taxable Portfolio | 11 | -7.66% | 12.19% | 9.14% | 8.36% | 13.09% | 0.46 | -26.53% | 3 - medium risk | 0.89 | $111,316.36 |
| Allan Roth Second Grader High Risk Portfolio | 3 | -7.50% | 16.06% | 10.23% | 8.10% | 15.60% | 0.4 | -34.95% | 5 - very high risk | 0.97 | $103,558.43 |
| Allan Roth Second Grader Medium Risk Portfolio | 3 | -5.04% | 13.53% | 8.06% | 7.66% | 10.66% | 0.49 | -21.61% | 3 - medium risk | 0.97 | $91,494.37 |
| Allan Roth Second Grader Low Portfolio | 3 | -2.58% | 11.01% | 5.76% | 6.90% | 6.37% | 0.67 | -8.28% | 1 - very low risk | 0.87 | $74,079.11 |
| Allan Roth Second Grader Five-Fund High Risk Portfolio | 5 | -7.51% | 16.74% | 10.12% | 8.27% | 15.12% | 0.42 | -35.31% | 5 - very high risk | 0.95 | $108,524.20 |
| Allan Roth Second Grader Five-Fund Medium Risk Portfolio | 4 | -5.08% | 13.82% | 8.03% | 7.68% | 10.39% | 0.5 | -21.61% | 3 - medium risk | 0.96 | $92,172.04 |
| Allan Roth Second Grader Five-Fund Low Risk Portfolio | 4 | -2.60% | 11.16% | 5.74% | 6.91% | 6.26% | 0.68 | -8.28% | 1 - very low risk | 0.86 | $74,207.04 |
| Allan Roth Second Grader High Risk with CDs Portfolio | 3 | -7.31% | 15.32% | 9.93% | 7.80% | 15.56% | 0.38 | -35.24% | 5 - very high risk | 0.97 | $95,291.75 |
| Allan Roth Second Grader Medium Risk with CDs Portfolio | 3 | -4.27% | 10.59% | 6.86% | 6.48% | 10.43% | 0.38 | -22.79% | 3 - medium risk | 0.97 | $65,706.27 |
| Allan Roth Second Grader Low Risk with CDs Portfolio | 3 | -1.24% | 5.87% | 3.66% | 4.85% | 5.49% | 0.38 | -10.34% | 1 - very low risk | 0.94 | $41,458.74 |
| Frank Armstrong Ideal Index Portfolio | 7 | -6.86% | 10.71% | 7.48% | 7.19% | 11.40% | 0.41 | -25.74% | 3 - medium risk | 0.9 | $80,199.22 |
| Scott Adams Dilbert Portfolio | 2 | -9.98% | 14.44% | 10.62% | 10.39% | 22.70% | 0.43 | -44.93% | 5 - very high risk | 0.8 | $194,183.00 |
| Scott Burns Couch Potato | 2 | -3.37% | 11.83% | 8.48% | 8.29% | 9.70% | 0.6 | -19.94% | 2 - low risk | 0.94 | $109,009.84 |
| Scott Burns Margaritaville | 3 | -7.04% | 11.59% | 7.95% | 7.24% | 12.14% | 0.4 | -28.09% | 4 - high risk | 0.92 | $81,473.03 |
| Scott Burns Four Square | 4 | -4.57% | 10.88% | 6.95% | 6.99% | 9.32% | 0.46 | -19.60% | 2 - low risk | 0.91 | $75,832.27 |
| Scott Burns Five Fold | 5 | -4.88% | 14.13% | 8.00% | 7.72% | 9.94% | 0.51 | -23.09% | 3 - medium risk | 0.86 | $93,030.88 |
| Scott Burns Six Ways from Sunday | 6 | -6.92% | 12.47% | 7.44% | 8.26% | 11.06% | 0.53 | -26.39% | 3 - medium risk | 0.81 | $108,065.61 |
| Scott Burns Seven Value Portfolio | 7 | -6.72% | 12.74% | 8.09% | 8.49% | 11.57% | 0.53 | -27.78% | 4 - high risk | 0.86 | $115,111.95 |
| Scott Burns Seven Value 2 Portfolio | 8 | -7.43% | 12.55% | 8.66% | 8.80% | 12.12% | 0.53 | -28.29% | 4 - high risk | 0.86 | $125,505.84 |
| Scott Burns Nine Emerging Portfolio | 9 | -8.24% | 12.15% | 8.65% | 9.15% | 13.60% | 0.52 | -31.02% | 4 - high risk | 0.83 | $138,106.14 |
| Scott Burns 10 Speed Portfolio | 10 | -8.90% | 11.41% | 8.34% | 8.76% | 13.97% | 0.48 | -32.31% | 4 - high risk | 0.84 | $124,155.75 |
| Larry Swedroe Simple Portfolio | 6 | -7.03% | 7.80% | 8.09% | 8.27% | 11.11% | 0.52 | -23.85% | 3 - medium risk | 0.86 | $108,435.35 |
| Larry Swedroe, The Larry Portfolio 1 | 7 | -4.33% | 8.35% | 5.83% | 7.25% | 6.90% | 0.64 | -8.49% | 1 - very low risk | 0.81 | $81,645.53 |
| Larry Swedroe, The Larry Portfolio 2 | 3 | -3.70% | 7.27% | 4.93% | 7.40% | 5.60% | 0.83 | -3.70% | 1 - very low risk | 0.47 | $85,141.52 |
| Larry Swedroe, Eliminate Fat Tails Portfolio | 4 | -3.51% | 4.77% | 4.87% | 6.76% | 8.24% | 0.5 | -13.59% | 2 - low risk | 0.68 | $71,215.30 |
| Larry Swedroe, Big Rocks Portfolio | 11 | -5.71% | 9.19% | 7.35% | 7.77% | 10.04% | 0.52 | -20.68% | 2 - low risk | 0.9 | $94,284.50 |
| William Bernstein No Brainer Portfolio | 4 | -6.76% | 11.34% | 8.68% | 7.68% | 12.90% | 0.42 | -27.63% | 4 - high risk | 0.95 | $91,983.79 |
| William Bernstein Cowards Portfolio | 9 | -4.88% | 10.09% | 7.38% | 7.88% | 9.89% | 0.54 | -19.93% | 2 - low risk | 0.93 | $97,354.23 |
| William Bernstein Four Pillars High Risk Portfolio | 11 | -7.60% | 10.95% | 7.74% | 7.94% | 12.71% | 0.45 | -28.32% | 4 - high risk | 0.88 | $99,067.16 |
| William Bernstein Four Pillars Medium Portfolio | 6 | -4.31% | 11.05% | 7.60% | 7.73% | 9.67% | 0.54 | -19.65% | 2 - low risk | 0.96 | $93,369.08 |
| William Bernstein Four Pillars Low Risk Portfolio | 4 | -2.91% | 10.75% | 6.58% | 7.14% | 8.31% | 0.55 | -15.89% | 2 - low risk | 0.97 | $79,194.72 |
| Rob Arnott Portfolio | 8 | -4.04% | 13.52% | 5.65% | 7.06% | 7.30% | 0.6 | -14.88% | 2 - low risk | 0.71 | $77,380.64 |
| The Global Market Portfolio, GMP CREDIT SUISSE | 8 | -4.35% | 15.46% | 7.64% | 7.97% | 8.76% | 0.6 | -15.83% | 2 - low risk | 0.87 | $99,897.22 |
| The Global Market Portfolio, Financial Engines 2007 | 15 | -5.48% | 13.11% | 8.16% | 8.04% | 11.30% | 0.5 | -23.12% | 3 - medium risk | 0.96 | $101,637.13 |
| Meb Faber Risk Parity Portfolio | 7 | -2.83% | 12.49% | 5.28% | 6.80% | 6.06% | 0.67 | -7.82% | 1 - very low risk | 0.6 | $71,945.61 |
| Robo Advisor Betterment 100 | 6 | -10.24% | 14.55% | 10.45% | 8.89% | 17.77% | 0.42 | -40.13% | 5 - very high risk | 0.92 | $128,734.87 |
| Robo Advisor Betterment 80 | 10 | -8.05% | 13.29% | 9.20% | 8.55% | 14.50% | 0.45 | -31.68% | 4 - high risk | 0.92 | $117,253.29 |
| Robo Advisor Betterment 60 | 10 | -5.79% | 12.09% | 7.93% | 8.08% | 11.31% | 0.5 | -23.25% | 3 - medium risk | 0.91 | $102,835.26 |
| Robo Advisor Betterment 40 | 11 | -3.48% | 10.54% | 6.45% | 7.39% | 8.17% | 0.57 | -14.52% | 2 - low risk | 0.87 | $84,982.92 |
| Robo Advisor Wealthfront 100 | 7 | -9.49% | 15.27% | 9.52% | 9.23% | 18.09% | 0.43 | -39.45% | 5 - very high risk | 0.8 | $141,384.10 |
| Robo Advisor Wealthfront 80 | 7 | -8.01% | 15.98% | 9.89% | 8.93% | 15.49% | 0.45 | -36.03% | 5 - very high risk | 0.88 | $130,253.32 |
| Robo Advisor Wealthfront 60 | 7 | -6.80% | 15.67% | 9.40% | 8.67% | 13.43% | 0.48 | -31.03% | 4 - high risk | 0.9 | $121,214.80 |
| Robo Advisor Wealthfront 40 | 7 | -5.45% | 15.34% | 8.96% | 8.40% | 11.51% | 0.52 | -25.94% | 3 - medium risk | 0.91 | $112,287.77 |
| Gibson Five Asset Classes | 6 | -7.86% | 14.13% | 6.07% | 7.08% | 11.92% | 0.4 | -32.09% | 4 - high risk | 0.79 | $77,859.18 |
| Harry Markowitz, Father of Modern Portfolio Theory, Portfolio | 2 | -2.69% | 14.20% | 8.38% | 8.26% | 9.46% | 0.61 | -15.99% | 2 - low risk | 0.97 | $108,052.29 |
| Rick Ferri Early Saver Moderate Basic Portfolio | 4 | -5.64% | 15.40% | 8.94% | 8.08% | 11.63% | 0.49 | -25.82% | 3 - medium risk | 0.96 | $103,026.08 |
| Rick Ferri Early Saver Moderate Multi Asset Portfolio | 11 | -7.61% | 13.32% | 9.39% | 8.90% | 12.46% | 0.52 | -27.23% | 4 - high risk | 0.9 | $128,912.98 |
| Rick Ferri Midlife Moderate Basic Portfolio | 4 | -4.83% | 14.38% | 8.19% | 7.86% | 10.16% | 0.52 | -21.40% | 3 - medium risk | 0.96 | $96,757.11 |
| Rick Ferri Midlifer Moderate Multi Asset Portfolio | 11 | -7.01% | 12.18% | 8.92% | 8.63% | 11.41% | 0.54 | -24.53% | 3 - medium risk | 0.89 | $119,738.71 |
| Rick Ferri Transitional Moderate Basic Portfolio | 5 | -4.07% | 13.06% | 7.31% | 7.49% | 8.78% | 0.55 | -17.11% | 2 - low risk | 0.95 | $87,324.19 |
| Rick Ferri Transitional Moderate Multi Asset Portfolio | 12 | -5.81% | 11.51% | 8.25% | 8.24% | 10.00% | 0.56 | -20.84% | 3 - medium risk | 0.88 | $107,694.17 |
| Rick Ferri Mature Retired Saver Moderate Basic Portfolio | 6 | -2.84% | 11.32% | 6.24% | 7.08% | 7.15% | 0.62 | -12.26% | 1 - very low risk | 0.93 | $77,807.40 |
| Rick Ferri Mature Retired Saver Moderate Multi Asset Portfolio | 10 | -3.33% | 10.34% | 6.28% | 7.30% | 7.23% | 0.64 | -12.61% | 2 - low risk | 0.9 | $82,677.75 |
| Balanced Portfolio 10/90 | 2 | -0.64% | 9.63% | 4.35% | 6.40% | 4.97% | 0.81 | -2.41% | 1 - very low risk | 0.46 | $64,395.11 |
| Balanced Portfolio 20/80 | 2 | -1.15% | 10.78% | 5.38% | 6.91% | 5.63% | 0.79 | -3.37% | 1 - very low risk | 0.72 | $74,264.67 |
| Balanced Portfolio 30/70 | 2 | -1.67% | 11.92% | 6.39% | 7.39% | 6.70% | 0.73 | -7.57% | 1 - very low risk | 0.86 | $84,899.95 |
| Balanced Portfolio 40/60 | 2 | -2.18% | 13.06% | 7.39% | 7.84% | 8.01% | 0.66 | -11.78% | 1 - very low risk | 0.93 | $96,206.80 |
| Balanced Portfolio 50/50 | 2 | -2.69% | 14.20% | 8.38% | 8.26% | 9.46% | 0.61 | -15.99% | 2 - low risk | 0.97 | $108,052.29 |
| Balanced Portfolio 70/30 | 2 | -3.72% | 16.48% | 10.31% | 9.00% | 12.60% | 0.54 | -24.41% | 3 - medium risk | 0.99 | $132,614.65 |
| Balanced Portfolio 80/20 | 2 | -4.23% | 17.63% | 11.26% | 9.32% | 14.23% | 0.51 | -28.62% | 4 - high risk | 1 | $144,847.01 |
| Balanced Portfolio 90/10 | 2 | -4.74% | 18.77% | 12.20% | 9.61% | 15.88% | 0.49 | -32.83% | 4 - high risk | 1 | $156,648.41 |
| Index Fund Advisors, Portfolio 90 | 16 | -9.92% | 11.34% | 10.67% | 9.60% | 16.04% | 0.48 | -34.32% | 5 - very high risk | 0.87 | $156,382.38 |
| Index Fund Advisors, Portfolio 70 | 16 | -7.35% | 10.19% | 8.76% | 8.58% | 12.47% | 0.5 | -25.65% | 3 - medium risk | 0.87 | $118,307.61 |
| Index Fund Advisors, Portfolio 40 | 16 | -3.50% | 8.47% | 5.76% | 6.81% | 7.25% | 0.55 | -12.64% | 2 - low risk | 0.87 | $72,087.68 |
| Index Fund Advisors, Portfolio 30 | 16 | -2.21% | 7.89% | 4.71% | 6.15% | 5.61% | 0.59 | -8.31% | 1 - very low risk | 0.84 | $59,900.62 |
| Index Fund Advisors, Portfolio 20 | 16 | -0.93% | 7.32% | 3.65% | 5.46% | 4.13% | 0.64 | -3.97% | 1 - very low risk | 0.77 | $49,276.08 |
| Index Fund Advisors, Portfolio 10 | 16 | 0.36% | 6.72% | 2.57% | 4.74% | 3.04% | 0.71 | -0.31% | 1 - very low risk | 0.53 | $40,126.43 |
| Total US Stock Market | 1 | -5.26% | 19.91% | 13.13% | 9.85% | 17.56% | 0.48 | -37.07% | 5 - very high risk | 1 | $167,666.29 |
| The Jack Bogle Portfolio | 2 | -3.20% | 15.34% | 9.35% | 8.64% | 11.00% | 0.57 | -20.20% | 2 - low risk | 0.98 | $120,261.40 |
| Paul Merriman Best-in-Class ETFs Portfolio (Aggressive) | 12 | -12.05% | 12.04% | 10.54% | 8.96% | 17.24% | 0.42 | -38.78% | 5 - very high risk | 0.85 | $131,206.74 |
| Paul Merriman Best-in-Class ETFs Portfolio (Moderate) | 15 | -6.99% | 9.21% | 7.48% | 8.03% | 10.21% | 0.53 | -20.03% | 2 - low risk | 0.85 | $101,511.15 |
| Paul Merriman Best-in-Class ETFs Portfolio (Conservative) | 15 | -4.45% | 7.80% | 5.82% | 7.34% | 7.10% | 0.64 | -10.65% | 1 - very low risk | 0.79 | $83,794.82 |
| Paul Merriman Target Date Portfolio (25 year old) | 4 | -14.91% | 9.97% | 11.77% | 10.66% | 18.55% | 0.49 | -37.29% | 5 - very high risk | 0.78 | $208,879.80 |
| Paul Merriman Target Date Portfolio (35 year old) | 11 | -14.34% | 10.28% | 11.73% | 10.50% | 18.29% | 0.49 | -37.11% | 5 - very high risk | 0.79 | $199,704.11 |
| Paul Merriman Target Date Portfolio (45 year old) | 14 | -12.38% | 10.40% | 11.09% | 10.00% | 16.58% | 0.49 | -34.01% | 5 - very high risk | 0.82 | $174,635.70 |
| Paul Merriman Target Date Portfolio (55 year old) | 14 | -8.98% | 9.97% | 9.54% | 9.10% | 13.11% | 0.52 | -26.44% | 3 - medium risk | 0.85 | $136,442.55 |
| Paul Merriman Target Date Portfolio (65 year old) | 14 | -5.25% | 8.50% | 7.13% | 7.96% | 8.61% | 0.61 | -14.68% | 2 - low risk | 0.84 | $99,510.95 |
| iShares Lifepath Fund | 7 | -3.59% | 11.24% | 6.56% | 7.21% | 7.68% | 0.59 | -13.57% | 2 - low risk | 0.92 | $80,698.80 |
| iShares LifePath Index 2060 Fund (25 year old) | 5 | -7.97% | 18.19% | 10.75% | 8.39% | 15.88% | 0.42 | -38.86% | 5 - very high risk | 0.95 | $112,270.53 |
| iShares LifePath Index 2050 Fund (35 year old) | 6 | -7.93% | 18.24% | 10.76% | 8.40% | 15.85% | 0.42 | -38.79% | 5 - very high risk | 0.95 | $112,567.78 |
| iShares LifePath Index 2040 Fund (45 year old) | 7 | -7.16% | 17.11% | 10.11% | 8.29% | 14.42% | 0.43 | -34.54% | 5 - very high risk | 0.96 | $109,036.34 |
| iShares LifePath Index 2030 Fund (55 year old) | 7 | -5.75% | 14.75% | 8.72% | 7.93% | 11.62% | 0.48 | -26.20% | 3 - medium risk | 0.96 | $98,750.68 |
| iShares Model Portfolio 100% Stocks | 2 | -9.21% | 16.02% | 10.28% | 7.66% | 17.42% | 0.35 | -40.07% | 5 - very high risk | 0.94 | $91,490.15 |
| iShares Model Portfolio 91% Stocks | 3 | -8.56% | 15.18% | 9.59% | 7.55% | 15.91% | 0.36 | -36.15% | 5 - very high risk | 0.94 | $88,696.63 |
| iShares Model Portfolio 85% Stocks | 3 | -7.89% | 14.85% | 9.30% | 7.60% | 14.86% | 0.38 | -33.34% | 4 - high risk | 0.95 | $89,949.07 |
| iShares Model Portfolio 80% Stocks | 4 | -7.39% | 14.40% | 8.93% | 7.49% | 14.04% | 0.38 | -31.14% | 4 - high risk | 0.95 | $87,403.88 |
| iShares Model Portfolio 70% Stocks | 4 | -6.14% | 13.90% | 8.47% | 7.54% | 12.32% | 0.42 | -26.42% | 3 - medium risk | 0.96 | $88,449.95 |
| iShares Model Portfolio 65% Stocks | 4 | -5.45% | 13.71% | 8.27% | 7.57% | 11.48% | 0.45 | -24.02% | 3 - medium risk | 0.96 | $89,214.11 |
| iShares Model Portfolio 55% Stocks | 4 | -4.03% | 12.60% | 7.28% | 7.28% | 9.25% | 0.5 | -17.73% | 2 - low risk | 0.96 | $82,397.36 |
| iShares Model Portfolio 51% Stocks | 4 | -4.61% | 12.85% | 7.51% | 7.35% | 9.88% | 0.48 | -19.59% | 2 - low risk | 0.96 | $83,904.16 |
| iShares Model Portfolio 40% Stocks | 4 | -4.03% | 12.60% | 7.28% | 7.28% | 9.25% | 0.5 | -17.73% | 2 - low risk | 0.96 | $82,397.36 |
| iShares Model Portfolio 36% Stocks | 4 | -2.61% | 12.09% | 6.74% | 7.22% | 7.62% | 0.59 | -12.51% | 2 - low risk | 0.94 | $81,005.57 |
| iShares Model Portfolio 20% Stocks | 4 | -2.19% | 11.82% | 6.48% | 7.14% | 7.07% | 0.63 | -10.68% | 1 - very low risk | 0.93 | $79,268.19 |
| iShares Model Portfolio 15% Stocks | 4 | -0.85% | 10.45% | 5.19% | 6.64% | 5.22% | 0.77 | -3.58% | 1 - very low risk | 0.76 | $68,797.92 |
| iShares Model Portfolio 10% Stocks | 3 | -0.11% | 10.34% | 5.00% | 6.63% | 4.99% | 0.83 | -2.85% | 1 - very low risk | 0.65 | $68,653.33 |
| Ben Stein Portfolio | 7 | -7.21% | 12.96% | 8.38% | 8.01% | 14.13% | 0.42 | -32.19% | 4 - high risk | 0.92 | $100,800.42 |
| JL Collins, Simple Path To Wealth, Wealth Building Portfolio | 1 | -5.26% | 19.91% | 13.13% | 9.85% | 17.56% | 0.48 | -37.07% | 5 - very high risk | 1 | $167,666.29 |
| JL Collins, Simple Path To Wealth, Wealth Preservation Portfolio | 2 | -3.97% | 17.06% | 10.79% | 9.16% | 13.41% | 0.53 | -26.52% | 3 - medium risk | 1 | $138,764.28 |
| Paul Merriman FundAdvice Ultimate Buy and Hold | 13 | -7.18% | 9.43% | 7.37% | 7.95% | 10.70% | 0.5 | -21.68% | 3 - medium risk | 0.83 | $99,272.22 |
| Fidelity Freedom Index 2030 (55 year old) | 6 | -6.13% | 14.78% | 9.10% | 7.99% | 12.93% | 0.45 | -28.24% | 4 - high risk | 0.98 | $100,246.61 |
| Fidelity Freedom Index 2040 (45 year old) | 5 | -7.30% | 16.16% | 10.22% | 8.20% | 15.43% | 0.41 | -34.85% | 5 - very high risk | 0.97 | $106,498.52 |
| Fidelity Freedom Index 2050 (35 year old) | 5 | -7.30% | 16.16% | 10.22% | 8.20% | 15.43% | 0.41 | -34.85% | 5 - very high risk | 0.97 | $106,498.52 |
| Fidelity Freedom Index 2060 (25 year old and younger) | 5 | -7.30% | 16.16% | 10.22% | 8.20% | 15.43% | 0.41 | -34.85% | 5 - very high risk | 0.97 | $106,498.52 |
| TD Ameritrade Core Portfolio Conservative | 5 | -1.97% | 10.50% | 5.33% | 6.68% | 5.72% | 0.7 | -6.09% | 1 - very low risk | 0.82 | $69,550.36 |
| TD Ameritrade Core Portfolio Moderate | 5 | -3.36% | 11.66% | 6.44% | 7.07% | 7.61% | 0.58 | -12.84% | 2 - low risk | 0.93 | $77,553.64 |
| TD Ameritrade Core Portfolio Moderate Growth | 5 | -4.27% | 12.44% | 7.15% | 7.28% | 9.09% | 0.51 | -17.34% | 2 - low risk | 0.96 | $82,438.53 |
| TD Ameritrade Core Portfolio Growth | 5 | -6.09% | 13.99% | 8.55% | 7.62% | 12.29% | 0.43 | -26.33% | 3 - medium risk | 0.96 | $90,521.11 |
| TD Ameritrade Core Portfolio Aggressive | 5 | -7.35% | 15.24% | 9.62% | 7.83% | 14.79% | 0.4 | -33.00% | 4 - high risk | 0.96 | $95,918.48 |
| Morningstar Conservative Retirement Saver Portfolio | 7 | -4.51% | 12.01% | 7.65% | 7.91% | 9.53% | 0.56 | -18.49% | 2 - low risk | 0.95 | $98,077.76 |
| Morningstar Moderate Retirement Saver Portfolio | 5 | -7.13% | 14.76% | 9.67% | 8.49% | 13.85% | 0.46 | -29.87% | 4 - high risk | 0.97 | $115,229.73 |
| Morningstar Aggressive Retirement Saver Portfolio | 5 | -8.97% | 15.49% | 10.36% | 8.39% | 16.27% | 0.41 | -36.51% | 5 - very high risk | 0.96 | $112,197.13 |
| Vanguard Target Retirement 2030 (55 year old) | 4 | -6.03% | 14.02% | 8.56% | 7.59% | 12.34% | 0.43 | -26.42% | 3 - medium risk | 0.96 | $89,870.99 |
| Vanguard Target Retirement 2040 (45 year old) | 4 | -7.47% | 15.17% | 9.54% | 7.76% | 14.83% | 0.39 | -33.14% | 4 - high risk | 0.96 | $94,018.21 |
| Vanguard Target Retirement 2050 (35 year old) | 4 | -7.95% | 15.53% | 9.85% | 7.78% | 15.65% | 0.38 | -35.31% | 5 - very high risk | 0.96 | $94,771.32 |
| Vanguard Target Retirement 2060 (25 year old) | 4 | -7.97% | 15.52% | 9.84% | 7.78% | 15.67% | 0.38 | -35.36% | 5 - very high risk | 0.95 | $94,566.58 |
| Merrill Lynch Edge Select Portfolio, Conservative | 12 | -2.14% | 8.37% | 5.89% | 6.82% | 6.23% | 0.64 | -10.80% | 1 - very low risk | 0.83 | $72,420.35 |
| Merrill Lynch Edge Select Portfolio, Moderately Conservative | 12 | -4.26% | 12.02% | 8.34% | 8.27% | 9.46% | 0.59 | -19.74% | 2 - low risk | 0.9 | $108,323.20 |
| Merrill Lynch Edge Select Portfolio, Moderately | 12 | -5.47% | 13.35% | 9.15% | 8.59% | 11.48% | 0.54 | -25.30% | 3 - medium risk | 0.94 | $118,343.20 |
| Merrill Lynch Edge Select Portfolio, Moderately Aggressive | 12 | -6.35% | 14.65% | 9.84% | 8.78% | 13.60% | 0.49 | -30.53% | 4 - high risk | 0.95 | $124,804.39 |
| Merrill Lynch Edge Select Portfolio, Aggressive | 12 | -7.23% | 15.55% | 10.34% | 8.88% | 15.58% | 0.45 | -34.96% | 5 - very high risk | 0.95 | $128,238.64 |
| David Booth (DFA) Fixed Income Portfolio | 4 | 1.56% | 7.21% | 1.80% | 4.38% | 3.28% | 0.56 | -1.53% | 1 - very low risk | -0.07 | $36,177.71 |
| David Booth (DFA) Conservative Portfolio | 15 | -0.73% | 8.55% | 3.87% | 5.71% | 4.06% | 0.73 | -2.85% | 1 - very low risk | 0.73 | $52,906.86 |
| David Booth (DFA) Moderate Portfolio | 15 | -3.02% | 9.89% | 5.87% | 6.92% | 6.91% | 0.6 | -12.06% | 1 - very low risk | 0.88 | $74,434.21 |
| David Booth (DFA) Normal Portfolio | 15 | -5.31% | 11.24% | 7.80% | 8.00% | 10.24% | 0.53 | -21.28% | 3 - medium risk | 0.9 | $100,732.35 |
| David Booth (DFA) Aggressive Portfolio | 15 | -7.59% | 12.58% | 9.66% | 8.95% | 13.69% | 0.49 | -30.49% | 4 - high risk | 0.9 | $130,969.26 |
| David Booth (DFA) Equity Portfolio | 11 | -9.88% | 13.92% | 11.46% | 9.75% | 17.19% | 0.47 | -39.70% | 5 - very high risk | 0.9 | $163,155.23 |
| Rick Ferri's Core 4 fund Portfolio (80/20) | 4 | -6.50% | 16.03% | 9.64% | 8.20% | 13.36% | 0.45 | -30.32% | 4 - high risk | 0.97 | $106,362.82 |
| Rick Ferri's Core 4 fund Portfolio (40/60)) | 4 | -3.32% | 12.26% | 6.58% | 7.27% | 7.44% | 0.62 | -12.63% | 2 - low risk | 0.92 | $82,091.39 |
| Rick Ferri's Core 4 fund Portfolio (20/80) | 4 | -1.72% | 10.38% | 4.98% | 6.62% | 5.30% | 0.76 | -3.79% | 1 - very low risk | 0.7 | $68,507.11 |
| Vanguard LifeStrategy Income Fund (20/80) | 4 | -1.16% | 10.18% | 5.00% | 6.49% | 5.13% | 0.74 | -3.80% | 1 - very low risk | 0.76 | $66,028.60 |
| Vanguard LifeStrategy Conservative Growth (40/60) | 4 | -3.12% | 11.71% | 6.47% | 7.03% | 7.61% | 0.57 | -12.87% | 2 - low risk | 0.93 | $76,708.39 |
| Vanguard LifeStrategy Moderate Growth (60/40) | 4 | -5.07% | 13.25% | 7.88% | 7.44% | 10.71% | 0.46 | -21.92% | 3 - medium risk | 0.96 | $86,020.81 |
| Vanguard LifeStrategy Growth Fund (80/20) | 4 | -6.98% | 14.77% | 9.21% | 7.71% | 13.98% | 0.4 | -30.84% | 4 - high risk | 0.96 | $92,791.68 |
| William Bernstein Sheltered Sam Portfolio | 12 | -5.21% | 10.24% | 7.57% | 7.99% | 9.96% | 0.55 | -21.69% | 3 - medium risk | 0.91 | $100,223.07 |
| Tim Maurer Simple Money Portfolio | 7 | -7.00% | 9.11% | 7.38% | 7.62% | 10.17% | 0.49 | -19.40% | 2 - low risk | 0.88 | $90,621.29 |
| T. Rowe Price ActivePlus Portfolio, Model 10 | 5 | -0.99% | 7.89% | 3.95% | 6.13% | 4.86% | 0.76 | -2.36% | 1 - very low risk | 0.43 | $59,589.77 |
| T. Rowe Price ActivePlus Portfolio, Model 20 | 4 | -1.88% | 9.40% | 4.99% | 6.61% | 5.52% | 0.73 | -5.20% | 1 - very low risk | 0.69 | $68,300.70 |
| T. Rowe Price ActivePlus Portfolio, Model 30 | 4 | -2.78% | 10.23% | 5.84% | 6.94% | 6.49% | 0.66 | -9.54% | 1 - very low risk | 0.85 | $74,858.76 |
| T. Rowe Price ActivePlus Portfolio, Model 40 | 4 | -3.53% | 11.27% | 6.63% | 7.23% | 7.71% | 0.59 | -13.64% | 2 - low risk | 0.92 | $81,209.95 |
| T. Rowe Price ActivePlus Portfolio, Model 50 | 4 | -4.23% | 12.28% | 7.44% | 7.53% | 9.19% | 0.54 | -18.00% | 2 - low risk | 0.95 | $88,292.57 |
| T. Rowe Price ActivePlus Portfolio, Model 60 | 4 | -4.95% | 13.38% | 8.21% | 7.76% | 10.70% | 0.5 | -22.03% | 3 - medium risk | 0.97 | $94,224.73 |
| T. Rowe Price ActivePlus Portfolio, Model 70 | 4 | -5.69% | 14.44% | 8.96% | 7.96% | 12.28% | 0.46 | -26.13% | 3 - medium risk | 0.98 | $99,620.29 |
| T. Rowe Price ActivePlus Portfolio, Model 80 | 3 | -6.44% | 15.46% | 9.70% | 8.13% | 13.91% | 0.43 | -30.31% | 4 - high risk | 0.98 | $104,308.51 |
| T. Rowe Price ActivePlus Portfolio, Model 90 | 3 | -7.22% | 16.33% | 10.43% | 8.26% | 15.58% | 0.41 | -34.74% | 5 - very high risk | 0.98 | $108,136.02 |
| T. Rowe Price ActivePlus Portfolio, Model 100 | 2 | -8.01% | 17.20% | 11.15% | 8.35% | 17.26% | 0.39 | -39.16% | 5 - very high risk | 0.97 | $110,873.71 |
| Schwab Target Date Fund 2030 (55 year old) | 8 | -5.49% | 14.02% | 8.60% | 8.03% | 11.84% | 0.48 | -25.67% | 3 - medium risk | 0.96 | $101,528.93 |
| Schwab Target Date Fund 2040 (45 year old) | 8 | -6.93% | 15.26% | 9.71% | 8.41% | 14.38% | 0.45 | -32.53% | 4 - high risk | 0.96 | $112,877.40 |
| Schwab Target Date Fund 2050 (35 year old) | 8 | -7.68% | 15.83% | 10.25% | 8.57% | 15.73% | 0.43 | -36.12% | 5 - very high risk | 0.95 | $117,912.78 |
| Schwab Target Date Fund 2060 (25 year old) | 7 | -8.12% | 16.21% | 10.59% | 8.67% | 16.54% | 0.42 | -38.22% | 5 - very high risk | 0.95 | $121,276.86 |
| Schwab Managed Portfolio, Conservative Income | 6 | -0.24% | 6.88% | 3.51% | 5.53% | 4.21% | 0.68 | -2.02% | 1 - very low risk | 0.33 | $50,300.56 |
| Schwab Managed Portfolio, Income With Growth | 10 | -2.05% | 8.91% | 4.80% | 6.16% | 5.29% | 0.64 | -8.31% | 1 - very low risk | 0.81 | $60,096.35 |
| Schwab Managed Portfolio, Balanced | 11 | -4.42% | 10.40% | 5.70% | 6.83% | 8.07% | 0.52 | -17.24% | 2 - low risk | 0.89 | $72,502.11 |
| Schwab Managed Portfolio, Balanced With Growth | 11 | -6.44% | 12.21% | 7.03% | 7.42% | 10.86% | 0.46 | -25.07% | 3 - medium risk | 0.92 | $85,575.51 |
| Schwab Managed Portfolio, Growth | 9 | -8.08% | 13.33% | 8.08% | 7.71% | 13.63% | 0.41 | -32.44% | 4 - high risk | 0.92 | $92,913.64 |
| Schwab Managed Portfolio, Aggressive Growth | 7 | -9.34% | 14.23% | 9.24% | 7.98% | 16.11% | 0.39 | -38.11% | 5 - very high risk | 0.92 | $100,053.89 |
| Time.Inc Money Portfolio 1, Simple and Cheap | 5 | -4.82% | 14.31% | 8.02% | 7.70% | 10.07% | 0.51 | -21.56% | 3 - medium risk | 0.94 | $92,573.39 |
| Time.Inc Money Portfolio 2, Tilt Toward Value | 7 | -4.73% | 14.05% | 8.26% | 7.98% | 9.94% | 0.54 | -20.91% | 3 - medium risk | 0.94 | $100,083.92 |
| Gibson Four Asset Classes | 4 | -10.12% | 14.29% | 6.26% | 6.96% | 14.40% | 0.35 | -40.45% | 5 - very high risk | 0.76 | $75,282.02 |
| Alpha Architect Robust | 8 | -6.57% | 14.32% | 8.86% | 9.70% | 12.32% | 0.61 | -29.92% | 4 - high risk | 0.91 | $160,622.37 |
| Meb Faber GTAA Conservative | 11 | -6.03% | 14.14% | 6.10% | 8.10% | 9.83% | 0.58 | -21.92% | 3 - medium risk | 0.73 | $103,537.79 |
| Meb Faber GTAA Moderate | 11 | -8.06% | 14.55% | 6.57% | 8.35% | 12.71% | 0.49 | -32.09% | 4 - high risk | 0.74 | $110,802.81 |
| Meb Faber GAA | 10 | -4.71% | 15.15% | 6.80% | 7.56% | 8.31% | 0.59 | -15.98% | 2 - low risk | 0.84 | $88,903.62 |
| All Seasons Portfolio | 8 | -4.20% | 15.94% | 5.70% | 7.77% | 7.20% | 0.72 | -4.20% | 1 - very low risk | 0.58 | $94,312.86 |
| TrevH | 4 | -12.56% | 11.37% | 10.19% | 7.98% | 17.54% | 0.36 | -40.84% | 5 - very high risk | 0.87 | $100,109.95 |
| Morningstar Lifetime Allocation Index Aggressive, 2060 | 18 | -9.92% | 14.35% | 9.90% | 8.69% | 16.98% | 0.42 | -39.58% | 5 - very high risk | 0.91 | $121,837.52 |
| Morningstar Lifetime Allocation Index Aggressive, 2050 | 18 | -9.68% | 14.60% | 10.07% | 8.74% | 16.84% | 0.42 | -39.34% | 5 - very high risk | 0.92 | $123,631.03 |
| Morningstar Lifetime Allocation Index Aggressive, 2040 | 18 | -9.34% | 14.78% | 10.17% | 8.79% | 16.54% | 0.43 | -38.68% | 5 - very high risk | 0.93 | $125,053.25 |
| Morningstar Lifetime Allocation Index Aggressive, 2030 | 18 | -8.05% | 14.25% | 9.58% | 8.64% | 14.61% | 0.46 | -33.69% | 4 - high risk | 0.94 | $120,145.92 |
| Morningstar Lifetime Allocation Index Aggressive, Income | 18 | -4.27% | 10.89% | 6.95% | 7.62% | 8.60% | 0.58 | -17.81% | 2 - low risk | 0.91 | $90,425.62 |
| Morningstar Lifetime Allocation Index Moderate, 2060 | 18 | -9.43% | 14.19% | 9.70% | 8.67% | 16.24% | 0.43 | -37.69% | 5 - very high risk | 0.92 | $121,094.82 |
| Morningstar Lifetime Allocation Index Moderate, 2050 | 18 | -9.16% | 14.39% | 9.82% | 8.70% | 16.03% | 0.43 | -37.23% | 5 - very high risk | 0.93 | $122,307.82 |
| Morningstar Lifetime Allocation Index Moderate, 2040 | 18 | -8.40% | 14.24% | 9.59% | 8.65% | 14.99% | 0.45 | -34.58% | 5 - very high risk | 0.94 | $120,477.91 |
| Morningstar Lifetime Allocation Index Moderate, 2030 | 18 | -6.38% | 12.99% | 8.34% | 8.24% | 11.76% | 0.5 | -26.08% | 3 - medium risk | 0.94 | $107,427.03 |
| Morningstar Lifetime Allocation Index Moderate, Income | 18 | -3.29% | 9.67% | 5.96% | 7.16% | 7.05% | 0.64 | -13.00% | 2 - low risk | 0.85 | $79,623.70 |
| Morningstar Lifetime Allocation Index Conservative, 2060 | 18 | -8.48% | 13.86% | 9.37% | 8.60% | 14.93% | 0.45 | -33.85% | 4 - high risk | 0.92 | $118,850.00 |
| Morningstar Lifetime Allocation Index Conservative, 2050 | 18 | -8.01% | 13.88% | 9.27% | 8.57% | 14.32% | 0.46 | -32.36% | 4 - high risk | 0.93 | $117,838.75 |
| Morningstar Lifetime Allocation Index Conservative, 2040 | 18 | -6.43% | 13.04% | 8.35% | 8.25% | 11.85% | 0.5 | -25.86% | 3 - medium risk | 0.94 | $107,858.87 |
| Morningstar Lifetime Allocation Index Conservative, 2030 | 18 | -4.26% | 11.35% | 6.78% | 7.59% | 8.44% | 0.59 | -16.47% | 2 - low risk | 0.91 | $89,725.31 |
| Morningstar Lifetime Allocation Index Conservative, Income | 18 | -2.21% | 8.27% | 4.85% | 6.60% | 5.69% | 0.7 | -7.65% | 1 - very low risk | 0.68 | $68,098.57 |
| Burton Malkiel Portfolio, Mid-Twenties | 8 | -7.58% | 16.11% | 9.76% | 9.01% | 15.47% | 0.46 | -34.95% | 5 - very high risk | 0.9 | $133,157.53 |
| Burton Malkiel Portfolio, Late Thirties to Early Forties | 8 | -7.14% | 16.34% | 9.71% | 9.06% | 14.88% | 0.48 | -33.66% | 4 - high risk | 0.91 | $134,960.30 |
| Burton Malkiel Portfolio, Mid-Fifties | 8 | -6.36% | 16.73% | 9.53% | 9.06% | 13.70% | 0.51 | -31.13% | 4 - high risk | 0.91 | $135,001.91 |
| Burton Malkiel Portfolio, Late Sixties and Beyond | 8 | -4.94% | 16.62% | 8.98% | 8.83% | 11.71% | 0.55 | -26.55% | 4 - high risk | 0.91 | $126,498.47 |
| Dimensional 2030 Target Date Retirement Income Fund | 8 | -5.13% | 11.78% | 7.39% | 7.35% | 10.37% | 0.47 | -23.00% | 3 - medium risk | 0.93 | $83,928.30 |
| Dimensional 2040 Target Date Retirement Income Fund | 7 | -6.89% | 15.96% | 9.12% | 7.69% | 14.62% | 0.39 | -32.72% | 4 - high risk | 0.96 | $92,411.83 |
| Dimensional 2050 Target Date Retirement Income Fund | 7 | -8.03% | 16.47% | 10.30% | 8.33% | 16.76% | 0.4 | -37.84% | 5 - very high risk | 0.96 | $110,277.76 |
| Dimensional 2060 Target Date Retirement Income Fund | 7 | -8.03% | 16.47% | 10.30% | 8.33% | 16.76% | 0.4 | -37.84% | 5 - very high risk | 0.96 | $110,277.76 |
| Dimensional Retirement Income Fund | 7 | -1.84% | 6.54% | 4.28% | 5.50% | 5.00% | 0.52 | -8.22% | 1 - very low risk | 0.7 | $49,881.16 |
| Paul Merriman 2-Fund-Value-Portfolio | 2 | -8.94% | 12.79% | 12.16% | 10.15% | 16.81% | 0.5 | -36.32% | 5 - very high risk | 0.87 | $181,628.39 |
| Paul Merriman 4-Fund-Portfolio | 4 | -7.96% | 14.35% | 12.71% | 10.13% | 16.90% | 0.5 | -35.35% | 5 - very high risk | 0.94 | $180,685.17 |
| Paul Merriman 5-Fund-Value-Portfolio | 5 | -13.30% | 9.15% | 10.15% | 9.42% | 18.41% | 0.43 | -40.36% | 5 - very high risk | 0.82 | $148,767.07 |
| 7-Twelve Portfolio Age Based 50-60 by Craig Israelsen | 12 | -4.39% | 9.60% | 5.40% | 6.73% | 8.32% | 0.49 | -18.12% | 2 - low risk | 0.79 | $70,557.65 |
| 7-Twelve Portfolio Age Based 60-70 by Craig Israelsen | 12 | -2.84% | 7.49% | 4.18% | 5.85% | 6.37% | 0.49 | -13.07% | 2 - low risk | 0.78 | $55,058.12 |
| 7-Twelve Portfolio Age Based 70 Plus by Craig Israelsen | 12 | -1.30% | 5.37% | 2.92% | 4.93% | 4.53% | 0.49 | -8.02% | 1 - very low risk | 0.74 | $42,365.62 |
| Dan Solin SuperSmart Portfolio, Low Risk | 8 | -1.18% | 4.98% | 3.30% | 5.84% | 4.47% | 0.77 | -2.57% | 1 - very low risk | 0.64 | $54,852.25 |
| Dan Solin SuperSmart Portfolio, Medium-Low Risk | 8 | -3.71% | 7.28% | 5.44% | 7.05% | 7.07% | 0.62 | -11.82% | 1 - very low risk | 0.84 | $77,140.41 |
| Dan Solin SuperSmart Portfolio, Medium | 8 | -6.24% | 9.59% | 7.50% | 8.13% | 10.29% | 0.54 | -21.06% | 3 - medium risk | 0.88 | $104,316.36 |
| Dan Solin SuperSmart Portfolio, Medium-High Risk | 8 | -8.77% | 11.89% | 9.50% | 9.08% | 13.70% | 0.5 | -30.31% | 4 - high risk | 0.88 | $135,465.72 |
| Dan Solin SuperSmart Portfolio, High Risk | 7 | -11.30% | 14.19% | 11.42% | 9.87% | 17.19% | 0.48 | -39.56% | 5 - very high risk | 0.88 | $168,455.69 |
| Dan Solin The Smartest ETF Portfolio, Low Risk | 2 | -0.86% | 5.30% | 2.90% | 5.24% | 4.20% | 0.66 | -3.03% | 1 - very low risk | 0.73 | $46,268.08 |
| Dan Solin The Smartest ETF Portfolio, Medium-Low Risk | 2 | -3.08% | 7.92% | 4.64% | 5.84% | 6.93% | 0.45 | -12.74% | 2 - low risk | 0.91 | $54,819.79 |
| Dan Solin The Smartest ETF Portfolio, Medium Risk | 2 | -5.30% | 10.54% | 6.31% | 6.29% | 10.34% | 0.36 | -22.46% | 3 - medium risk | 0.91 | $62,282.75 |
| Dan Solin The Smartest ETF Portfolio, Medium-High Risk | 2 | -7.51% | 13.16% | 7.92% | 6.58% | 13.94% | 0.32 | -32.17% | 4 - high risk | 0.91 | $67,641.97 |
| Dan Solin The Smartest ETF Portfolio, High Risk | 1 | -9.73% | 15.78% | 9.47% | 6.69% | 17.61% | 0.3 | -41.88% | 5 - very high risk | 0.9 | $69,869.99 |
| Dan Solin The Smartest Index Portfolio, Low Risk | 3 | -1.70% | 10.23% | 5.00% | 6.62% | 5.38% | 0.76 | -3.79% | 1 - very low risk | 0.73 | $68,435.86 |
| Dan Solin The Smartest Index Portfolio, Medium-Low Risk | 3 | -3.28% | 11.97% | 6.63% | 7.25% | 7.68% | 0.6 | -12.63% | 2 - low risk | 0.93 | $81,715.18 |
| Dan Solin The Smartest Index Portfolio, Medium Risk | 3 | -4.86% | 13.72% | 8.19% | 7.76% | 10.67% | 0.5 | -21.47% | 3 - medium risk | 0.97 | $94,109.79 |
| Dan Solin The Smartest Index Portfolio, Medium-High Risk | 3 | -6.44% | 15.46% | 9.70% | 8.13% | 13.91% | 0.43 | -30.31% | 4 - high risk | 0.98 | $104,308.51 |
| Dan Solin The Smartest Index Portfolio, High Risk | 2 | -8.01% | 17.20% | 11.15% | 8.35% | 17.26% | 0.39 | -39.16% | 5 - very high risk | 0.97 | $110,873.71 |
| TIAA-CREF Lifecycle 2030 | 6 | -5.56% | 14.43% | 8.97% | 8.30% | 12.35% | 0.49 | -25.56% | 3 - medium risk | 0.97 | $109,386.11 |
| TIAA-CREF Lifecycle 2040 | 4 | -6.85% | 15.97% | 10.21% | 8.65% | 15.05% | 0.45 | -32.62% | 4 - high risk | 0.97 | $120,538.59 |
| TIAA-CREF Lifecycle 2050 | 4 | -7.37% | 16.56% | 10.71% | 8.77% | 16.18% | 0.43 | -35.57% | 5 - very high risk | 0.97 | $124,411.43 |
| TIAA-CREF Lifecycle 2060 | 4 | -7.57% | 16.76% | 10.88% | 8.81% | 16.60% | 0.43 | -36.65% | 5 - very high risk | 0.97 | $125,752.82 |
| TIAA-CREF Lifecycle Index Retirement Income | 6 | -3.28% | 10.95% | 6.50% | 7.35% | 7.81% | 0.61 | -13.33% | 2 - low risk | 0.92 | $83,980.01 |
| William Bernstein Taxable Ted 100% Stocks | 4 | -8.55% | 17.26% | 11.43% | 8.76% | 16.30% | 0.43 | -37.92% | 5 - very high risk | 0.95 | $124,146.79 |
| William Bernstein Taxable Ted 90/10 | 5 | -7.70% | 16.38% | 10.67% | 8.61% | 14.72% | 0.45 | -33.62% | 4 - high risk | 0.95 | $119,095.91 |
| William Bernstein Taxable Ted 80/20 | 5 | -6.86% | 15.51% | 9.91% | 8.42% | 13.16% | 0.47 | -29.32% | 4 - high risk | 0.95 | $113,156.60 |
| William Bernstein Taxable Ted 70/30 | 5 | -6.02% | 14.63% | 9.13% | 8.21% | 11.62% | 0.5 | -25.03% | 3 - medium risk | 0.95 | $106,534.84 |
| William Bernstein Taxable Ted 60/40 | 5 | -5.18% | 13.75% | 8.34% | 7.96% | 10.12% | 0.53 | -20.73% | 2 - low risk | 0.95 | $99,425.41 |
| William Bernstein Taxable Ted 50/50 | 5 | -4.34% | 12.88% | 7.53% | 7.68% | 8.69% | 0.57 | -16.43% | 2 - low risk | 0.93 | $92,008.47 |
| William Bernstein Taxable Ted 40/60 | 5 | -3.49% | 12.00% | 6.72% | 7.37% | 7.35% | 0.63 | -12.13% | 1 - very low risk | 0.9 | $84,447.13 |
| William Bernstein Taxable Ted 30/70 | 5 | -2.65% | 11.12% | 5.89% | 7.04% | 6.18% | 0.7 | -7.84% | 1 - very low risk | 0.83 | $76,885.81 |
| William Bernstein Taxable Ted 20/80 | 5 | -1.81% | 10.25% | 5.04% | 6.67% | 5.28% | 0.77 | -3.54% | 1 - very low risk | 0.69 | $69,449.30 |
| William Bernstein Taxable Ted 10/90 | 5 | -0.97% | 9.37% | 4.19% | 6.28% | 4.80% | 0.8 | -2.17% | 1 - very low risk | 0.44 | $62,242.48 |
| William Bernstein Taxable Ted 100% Bonds | 1 | -0.13% | 8.49% | 3.31% | 5.87% | 4.87% | 0.72 | -2.66% | 1 - very low risk | 0.12 | $55,350.68 |
| William Bernstein Sheltered Sam 100% Stocks | 10 | -8.83% | 15.00% | 10.97% | 9.34% | 16.15% | 0.47 | -38.06% | 5 - very high risk | 0.92 | $145,530.74 |
| William Bernstein Sheltered Sam 90/10 | 12 | -7.96% | 13.98% | 10.27% | 9.06% | 14.71% | 0.48 | -34.65% | 5 - very high risk | 0.92 | $134,750.55 |
| William Bernstein Sheltered Sam 80/20 | 12 | -7.08% | 12.95% | 9.56% | 8.75% | 13.28% | 0.49 | -31.25% | 4 - high risk | 0.92 | $123,801.51 |
| William Bernstein Sheltered Sam 70/30 | 12 | -6.21% | 11.93% | 8.84% | 8.41% | 11.88% | 0.51 | -27.84% | 4 - high risk | 0.91 | $112,887.14 |
| William Bernstein Sheltered Sam 60/40 | 12 | -5.33% | 10.91% | 8.10% | 8.06% | 10.51% | 0.53 | -24.43% | 3 - medium risk | 0.9 | $102,180.70 |
| William Bernstein Sheltered Sam 50/50 | 12 | -4.46% | 9.88% | 7.36% | 7.67% | 9.19% | 0.55 | -21.02% | 3 - medium risk | 0.89 | $91,825.66 |
| William Bernstein Sheltered Sam 40/60 | 12 | -3.58% | 8.86% | 6.60% | 7.26% | 7.94% | 0.58 | -17.62% | 2 - low risk | 0.86 | $81,936.79 |
| William Bernstein Sheltered Sam 30/70 | 12 | -2.70% | 7.83% | 5.83% | 6.83% | 6.80% | 0.6 | -14.21% | 2 - low risk | 0.8 | $72,601.99 |
| William Bernstein Sheltered Sam 20/80 | 12 | -1.83% | 6.81% | 5.05% | 6.38% | 5.84% | 0.63 | -10.80% | 1 - very low risk | 0.69 | $63,884.40 |
| William Bernstein Sheltered Sam 10/90 | 12 | -0.95% | 5.79% | 4.26% | 5.90% | 5.16% | 0.63 | -7.39% | 1 - very low risk | 0.52 | $55,824.90 |
| William Bernstein Sheltered Sam 100% Bonds | 2 | -0.08% | 4.76% | 3.46% | 5.40% | 4.88% | 0.57 | -3.99% | 1 - very low risk | 0.26 | $48,444.77 |
| William Bernstein Young Yvonne Portfolio | 11 | -5.35% | 12.40% | 8.06% | 8.29% | 10.13% | 0.57 | -20.82% | 2 - low risk | 0.91 | $109,029.07 |
| William Bernstein Charlie Cringe Portfolio | 4 | -2.92% | 10.84% | 6.55% | 7.11% | 8.26% | 0.55 | -15.61% | 2 - low risk | 0.97 | $78,560.57 |
| William Bernstein Wendy Wonk Portfolio | 11 | -7.60% | 10.95% | 7.74% | 7.94% | 12.71% | 0.45 | -28.32% | 4 - high risk | 0.88 | $99,067.16 |
| William Bernstein Between Charlie and Wendy Portfolio | 6 | -4.32% | 11.14% | 7.57% | 7.70% | 9.62% | 0.53 | -19.37% | 2 - low risk | 0.96 | $92,643.31 |
| Goldman Sachs Target Date 2055 Portfolio | 10 | -8.03% | 15.39% | 10.09% | 8.48% | 15.36% | 0.43 | -35.20% | 5 - very high risk | 0.94 | $114,954.25 |
| Goldman Sachs Target Date 2045 Portfolio | 12 | -7.59% | 15.30% | 9.88% | 8.46% | 14.58% | 0.44 | -33.25% | 4 - high risk | 0.94 | $114,466.39 |
| Goldman Sachs Target Date 2035 Portfolio | 12 | -5.90% | 14.49% | 8.72% | 8.07% | 11.69% | 0.49 | -26.10% | 3 - medium risk | 0.94 | $102,602.09 |
| Goldman Sachs Target Date 2025 Portfolio | 13 | -4.25% | 13.49% | 7.68% | 7.62% | 9.18% | 0.54 | -19.22% | 2 - low risk | 0.91 | $90,512.98 |
| Robo Advisor Betterment 90 | 11 | -9.24% | 13.88% | 9.81% | 8.73% | 16.15% | 0.43 | -35.97% | 5 - very high risk | 0.92 | $123,249.30 |
| Robo Advisor Betterment 70 | 10 | -7.18% | 12.68% | 8.54% | 8.34% | 12.90% | 0.47 | -27.45% | 4 - high risk | 0.92 | $110,497.55 |
| Robo Advisor Betterment 50 | 10 | -5.13% | 11.51% | 7.23% | 7.81% | 9.79% | 0.53 | -19.01% | 2 - low risk | 0.89 | $95,337.73 |
| Robo Advisor Betterment 30 | 12 | -2.70% | 8.72% | 5.22% | 6.76% | 6.51% | 0.62 | -9.88% | 1 - very low risk | 0.83 | $71,114.48 |
| Robo Advisor Betterment 20 | 12 | -1.38% | 6.89% | 4.02% | 6.08% | 5.00% | 0.69 | -5.10% | 1 - very low risk | 0.74 | $58,695.62 |
| Robo Advisor Betterment 10 | 12 | -0.05% | 5.05% | 2.79% | 5.36% | 3.97% | 0.78 | -0.82% | 1 - very low risk | 0.49 | $47,911.68 |
| Robo Advisor Betterment 0 | 2 | 1.26% | 3.23% | 1.56% | 4.62% | 3.80% | 0.67 | -0.48% | 1 - very low risk | 0.05 | $38,762.57 |
| Rick Ferri Total Economy Core-4 Portfolio Low-Risk | 4 | -2.08% | 10.00% | 4.86% | 6.54% | 5.16% | 0.75 | -3.84% | 1 - very low risk | 0.68 | $66,817.92 |
| Rick Ferri Total Economy Core-4 Portfolio Conservative | 4 | -4.03% | 11.51% | 6.34% | 7.09% | 7.21% | 0.6 | -12.74% | 2 - low risk | 0.88 | $78,153.53 |
| Rick Ferri Total Economy Core-4 Portfolio Moderate | 4 | -5.98% | 13.01% | 7.76% | 7.54% | 9.99% | 0.49 | -21.64% | 3 - medium risk | 0.92 | $88,454.32 |
| Rick Ferri Total Economy Core-4 Portfolio Agressive | 4 | -7.94% | 14.52% | 9.12% | 7.86% | 13.04% | 0.43 | -30.53% | 4 - high risk | 0.92 | $96,658.59 |
| Rick Ferri Global Markets Core-4 Low-Risk | 4 | -1.10% | 10.39% | 5.09% | 6.58% | 5.18% | 0.76 | -3.52% | 1 - very low risk | 0.76 | $67,630.48 |
| Rick Ferri Global Markets Core-4 Conservative | 4 | -2.84% | 12.16% | 6.68% | 7.20% | 7.57% | 0.6 | -12.22% | 1 - very low risk | 0.95 | $80,453.23 |
| Rick Ferri Global Markets Core-4 Moderate | 4 | -4.58% | 13.92% | 8.20% | 7.69% | 10.57% | 0.49 | -20.92% | 3 - medium risk | 0.98 | $92,424.63 |
| Rick Ferri Global Markets Core-4 Aggressive | 4 | -6.31% | 15.69% | 9.67% | 8.06% | 13.79% | 0.43 | -29.62% | 4 - high risk | 0.98 | $102,325.27 |
| Rick Ferri Inflation Fighter Core-4 Portfolio Low-Risk | 4 | -3.17% | 10.96% | 6.04% | 6.78% | 6.83% | 0.58 | -12.21% | 1 - very low risk | 0.65 | $71,544.28 |
| Rick Ferri Inflation Fighter Core-4 Portfolio Conservative | 4 | -4.72% | 12.45% | 7.06% | 7.05% | 8.53% | 0.51 | -19.51% | 2 - low risk | 0.84 | $77,177.34 |
| Rick Ferri Inflation Fighter Core-4 Portfolio Moderate | 4 | -6.27% | 13.93% | 8.02% | 7.20% | 10.99% | 0.43 | -26.80% | 4 - high risk | 0.9 | $80,618.53 |
| Rick Ferri Inflation Fighter Core-4 Portfolio Aggressive | 4 | -7.82% | 15.42% | 8.93% | 7.24% | 13.81% | 0.37 | -34.10% | 5 - very high risk | 0.9 | $81,381.81 |
| Rick Ferri Income Seeker Core-4 Portfolio Low-Risk | 4 | -3.20% | 14.57% | 7.45% | 7.39% | 7.70% | 0.6 | -13.38% | 2 - low risk | 0.72 | $84,908.24 |
| Rick Ferri Income Seeker Core-4 Portfolio Conservative | 4 | -4.56% | 13.54% | 8.19% | 7.74% | 9.14% | 0.56 | -19.01% | 2 - low risk | 0.84 | $93,487.81 |
| Rick Ferri Income Seeker Core-4 Portfolio Moderate | 4 | -5.92% | 12.02% | 8.90% | 8.01% | 11.00% | 0.51 | -24.65% | 3 - medium risk | 0.9 | $100,971.27 |
| Rick Ferri Income Seeker Core-4 Portfolio Aggressive | 4 | -7.28% | 9.53% | 9.57% | 8.22% | 13.12% | 0.46 | -30.29% | 4 - high risk | 0.92 | $106,905.31 |
| Rick Ferri Socially Conscious ESG Core-4 Portfolio Low-Risk | 4 | -1.91% | 12.30% | 5.93% | 7.10% | 6.02% | 0.73 | -5.13% | 1 - very low risk | 0.68 | $78,239.90 |
| Rick Ferri Socially Conscious ESG Core-4 Portfolio Conservative | 4 | -3.44% | 13.59% | 7.31% | 7.59% | 7.98% | 0.61 | -13.43% | 2 - low risk | 0.91 | $89,764.19 |
| Rick Ferri Socially Conscious ESG Core-4 Portfolio Moderate | 4 | -4.98% | 14.88% | 8.62% | 7.96% | 10.75% | 0.51 | -21.73% | 3 - medium risk | 0.97 | $99,441.33 |
| Rick Ferri Socially Conscious ESG Core-4 Portfolio Aggressive | 4 | -7.57% | 15.73% | 8.84% | 7.29% | 13.56% | 0.38 | -32.48% | 4 - high risk | 0.91 | $82,540.47 |
| 3 Fund Portfolio 80/20 | 3 | -6.46% | 15.67% | 9.65% | 8.07% | 13.78% | 0.43 | -29.65% | 4 - high risk | 0.98 | $102,585.66 |
| 3 Fund Portfolio 60/40 | 3 | -4.88% | 13.87% | 8.15% | 7.71% | 10.57% | 0.5 | -20.97% | 3 - medium risk | 0.98 | $92,841.07 |
| 3 Fund Portfolio 40/60 | 3 | -3.30% | 12.08% | 6.60% | 7.22% | 7.61% | 0.6 | -12.30% | 2 - low risk | 0.94 | $80,927.86 |
| 3 Fund Portfolio 20/80 | 3 | -1.71% | 10.29% | 4.99% | 6.60% | 5.35% | 0.76 | -3.62% | 1 - very low risk | 0.73 | $68,085.89 |
| 3 Fund Portfolio Equal Weight | 3 | -6.63% | 13.45% | 7.81% | 7.16% | 11.67% | 0.41 | -24.56% | 3 - medium risk | 0.95 | $79,501.32 |
| Meb Faber IVY 20 portfolio | 16 | -9.53% | 11.08% | 6.73% | 8.05% | 13.85% | 0.44 | -34.34% | 5 - very high risk | 0.76 | $102,050.67 |
| Paul Merriman Ultimate Buy & Hold Strategy 2010 | 12 | -8.05% | 11.60% | 8.10% | 8.33% | 11.39% | 0.51 | -23.69% | 3 - medium risk | 0.83 | $110,415.22 |
| FPL Capital Management Portfolio 10 | 9 | -1.07% | 8.96% | 4.19% | 6.43% | 4.87% | 0.82 | -2.08% | 1 - very low risk | 0.41 | $64,789.37 |
| FPL Capital Management Portfolio 20 | 9 | -2.16% | 9.37% | 5.04% | 6.95% | 5.42% | 0.81 | -3.78% | 1 - very low risk | 0.65 | $75,167.30 |
| FPL Capital Management Portfolio 30 | 9 | -3.17% | 9.81% | 5.88% | 7.46% | 6.41% | 0.75 | -8.19% | 1 - very low risk | 0.78 | $86,462.60 |
| FPL Capital Management Portfolio 40 | 9 | -4.18% | 10.25% | 6.70% | 7.93% | 7.67% | 0.68 | -12.60% | 2 - low risk | 0.84 | $98,595.21 |
| FPL Capital Management Portfolio 50 | 9 | -5.20% | 10.69% | 7.51% | 8.37% | 9.09% | 0.63 | -17.02% | 2 - low risk | 0.87 | $111,450.48 |
| FPL Capital Management Portfolio 60 | 9 | -6.21% | 11.13% | 8.30% | 8.78% | 10.60% | 0.59 | -21.43% | 3 - medium risk | 0.88 | $124,868.36 |
| FPL Capital Management Portfolio 70 | 9 | -7.23% | 11.56% | 9.07% | 9.16% | 12.17% | 0.56 | -25.85% | 3 - medium risk | 0.89 | $138,638.78 |
| FPL Capital Management Portfolio 80 | 9 | -8.24% | 12.00% | 9.82% | 9.51% | 13.78% | 0.53 | -30.26% | 4 - high risk | 0.89 | $152,497.82 |
| FPL Capital Management Portfolio 90 | 9 | -9.26% | 12.44% | 10.56% | 9.82% | 15.41% | 0.51 | -34.67% | 5 - very high risk | 0.88 | $166,124.77 |
| FPL Capital Management Portfolio 100 | 9 | -10.27% | 12.88% | 11.28% | 10.10% | 17.07% | 0.49 | -39.09% | 5 - very high risk | 0.88 | $179,140.61 |
| Fundamentum Enhanced Index Focus Moderate | 5 | -4.10% | 14.31% | 8.82% | 8.19% | 10.92% | 0.53 | -21.63% | 3 - medium risk | 0.99 | $106,053.17 |
| Fundamentum Enhanced Index Focus Growth | 6 | -8.08% | 14.40% | 8.78% | 7.00% | 14.63% | 0.34 | -34.52% | 5 - very high risk | 0.92 | $76,028.26 |
| Assetbuilder.com Portfolio 5 | 11 | -1.53% | 8.14% | 4.27% | 6.50% | 4.71% | 0.78 | -1.97% | 1 - very low risk | 0.56 | $66,179.15 |
| Assetbuilder.com Portfolio 6 | 12 | -2.66% | 8.74% | 5.27% | 7.14% | 6.05% | 0.7 | -6.82% | 1 - very low risk | 0.69 | $79,176.23 |
| Assetbuilder.com Portfolio 7 | 14 | -3.92% | 9.57% | 6.24% | 7.66% | 7.71% | 0.63 | -12.11% | 1 - very low risk | 0.76 | $91,521.64 |
| Assetbuilder.com Portfolio 8 | 14 | -5.36% | 10.13% | 7.15% | 8.09% | 9.73% | 0.56 | -17.83% | 2 - low risk | 0.78 | $103,199.04 |
| Assetbuilder.com Portfolio 9 | 14 | -6.93% | 10.42% | 8.02% | 8.52% | 11.81% | 0.51 | -23.05% | 3 - medium risk | 0.77 | $116,331.42 |
| Assetbuilder.com Portfolio 10 | 12 | -8.13% | 10.96% | 8.81% | 8.81% | 13.92% | 0.47 | -28.59% | 4 - high risk | 0.76 | $126,033.03 |
| Assetbuilder.com Portfolio 11 | 12 | -9.66% | 11.39% | 9.81% | 9.50% | 16.13% | 0.47 | -33.43% | 4 - high risk | 0.76 | $152,226.40 |
| Assetbuilder.com Portfolio 12 | 11 | -11.13% | 11.94% | 10.79% | 10.17% | 18.51% | 0.47 | -38.45% | 5 - very high risk | 0.75 | $182,798.84 |
| Alexander Green Gone Fishin' Portfolio | 10 | -7.97% | 12.22% | 8.67% | 8.23% | 14.03% | 0.43 | -30.72% | 4 - high risk | 0.84 | $107,304.68 |
| Robo Advisor Wealthsimple Portfolio Conservative | 7 | -2.50% | 11.25% | 5.68% | 7.33% | 6.38% | 0.75 | -6.18% | 1 - very low risk | 0.76 | $83,471.98 |
| Robo Advisor Wealthsimple Portfolio Balanced | 9 | -6.11% | 14.34% | 8.39% | 8.30% | 11.58% | 0.52 | -24.58% | 3 - medium risk | 0.95 | $109,381.53 |
| Robo Advisor Wealthsimple Portfolio Growth | 9 | -8.68% | 15.42% | 9.66% | 8.68% | 16.19% | 0.43 | -36.24% | 5 - very high risk | 0.96 | $121,340.42 |
| Robo Advisor WiseBanyan 90% stocks | 9 | -8.17% | 15.79% | 10.10% | 8.26% | 15.96% | 0.41 | -35.86% | 5 - very high risk | 0.95 | $108,040.45 |
| Robo Advisor WiseBanyan 80% stocks | 9 | -7.34% | 15.19% | 9.61% | 8.20% | 14.36% | 0.43 | -32.22% | 4 - high risk | 0.95 | $106,400.63 |
| Robo Advisor WiseBanyan 70% stocks | 9 | -6.47% | 14.52% | 9.05% | 8.09% | 12.73% | 0.46 | -28.37% | 4 - high risk | 0.95 | $103,035.68 |
| Robo Advisor WiseBanyan 60% stocks | 9 | -5.62% | 13.87% | 8.52% | 7.95% | 11.23% | 0.49 | -24.77% | 3 - medium risk | 0.94 | $99,111.63 |
| Robo Advisor WiseBanyan 50% stocks | 9 | -4.76% | 13.13% | 7.93% | 7.75% | 9.75% | 0.53 | -20.92% | 3 - medium risk | 0.92 | $93,863.28 |
| Robo Advisor WiseBanyan 40% stocks | 9 | -3.93% | 12.34% | 7.30% | 7.53% | 8.41% | 0.57 | -16.94% | 2 - low risk | 0.89 | $88,247.02 |
| Robo Advisor WiseBanyan 30% stocks | 9 | -3.09% | 11.49% | 6.58% | 7.25% | 7.19% | 0.62 | -12.93% | 2 - low risk | 0.82 | $81,568.12 |
| Robo Advisor WiseBanyan 20% stocks | 9 | -2.06% | 10.43% | 5.73% | 6.84% | 6.05% | 0.67 | -8.80% | 1 - very low risk | 0.69 | $72,861.34 |
| Robo Advisor WiseBanyan 13% stocks | 9 | -0.98% | 8.61% | 4.55% | 6.24% | 5.01% | 0.72 | -4.70% | 1 - very low risk | 0.54 | $61,449.77 |
Asset Allocation of the William Bernstein portfolios
William Bernstein Cowards Portfolio
- 10.00% US Large Cap Value (VTV)
- 15.00% US Large Cap (VV)
- 10.00% US Small Cap Value (VIOV)
- 5.00% US Small Cap (VIOO)
- 5.00% REITs (VNQ)
- 5.00% Emerging Markets (VWO)
- 5.00% Pacific Stocks (VPL)
- 5.00% European Stocks (VGK)
- 40.00% Short Term Treasuries (VGSH)
William Bernstein Four Pillars High-Risk Portfolio
- 10.00% US Large Cap Value (VTV)
- 10.00% US Large Cap (VV)
- 7.50% US Small Cap Value (VIOV)
- 5.00% US Small Cap (VIOO)
- 7.50% REITs (VNQ)
- 7.50% Emerging Markets (VWO)
- 7.50% Pacific Stocks (VPL)
- 10.00% European Stocks (VGK)
- 7.50% International Large Cap Value (EFV)
- 25.00% Short Term Treasuries (VGSH)
- 2.50% Precious Metals (GLTR)
Highlighted in the above pie chart
William Bernstein Four Pillars Low-Risk Portfolio
- 35.00% US Total Stock Market (VTI)
- 5.00% REITs (VNQ)
- 10.00% International All-World ex-US (VEU)
- 50.00% Short Term Treasuries (VGSH)
William Bernstein Four Pillars Medium Portfolio
- 25.00% US Total Stock Market (VTI)
- 10.00% US Large Cap Value (VTV)
- 10.00% US Small Cap Value (VIOV)
- 5.00% REITs (VNQ)
- 10.00% International All-World ex-US (VEU)
- 40.00% Short Term Treasuries (VGSH)
William Bernstein No Brainer Portfolio
- 25.00% US Large Cap (VV)
- 25.00% US Small Cap (VIOO)
- 25.00% International All-World ex-US (VEU)
- 25.00% Short Term Treasuries (VGSH)
The No-Brainer portfolio is part of the group of Lazy Portfolios.
William Bernstein Sheltered Sam Portfolio
- 15.00% US Large Cap Value (VTV)
- 12.00% US Large Cap (VV)
- 9.00% US Small Cap Value (VIOV)
- 3.00% US Small Cap (VIOO)
- 6.00% REITs (VNQ)
- 3.00% Emerging Markets (VWO)
- 3.00% Pacific Stocks (VPL)
- 3.00% European Stocks (VGK)
- 4.20% International Large Cap Value (EFV)
- 24.00% Short Term Treasuries (VGSH)
- 1.80% Precious Metals (GLTR)
- 16.00% TIPS (VTIP)
William Bernstein Sheltered Sam 100% Stocks
- 25.00% US Large Cap Value (VTV)
- 20.00% US Large Cap (VV)
- 15.00% US Small Cap Value (VIOV)
- 5.00% US Small Cap (VIOO)
- 10.00% REITs (Real Estate) (VNQ)
- 5.00% Emerging Markets (VWO)
- 5.00% Pacific Stocks (VPL)
- 5.00% European Stocks (VGK)
- 7.00% International Lg Cap Value (EFV)
- 3.00% Precious Metals (GLTR)
William Bernstein Sheltered Sam 90/10
- 22.50% US Large Cap Value (VTV)
- 18.00% US Large Cap (VV)
- 13.50% US Small Cap Value (VIOV)
- 4.50% US Small Cap (VIOO)
- 9.00% REITs (Real Estate) (VNQ)
- 4.50% Emerging Markets (VWO)
- 4.50% Pacific Stocks (VPL)
- 4.50% European Stocks (VGK)
- 6.30% International Lg Cap Value (EFV)
- 2.70% Precious Metals (GLTR)
- 6.00% Short-Term Investment Grade (VCSH)
- 4.00% TIPS (VTIP)
William Bernstein Sheltered Sam 80/20
- 20.00% US Large Cap Value (VTV)
- 16.00% US Large Cap (VV)
- 12.00% US Small Cap Value (VIOV)
- 4.00% US Small Cap (VIOO)
- 8.00% REITs (Real Estate) (VNQ)
- 4.00% Emerging Markets (VWO)
- 4.00% Pacific Stocks (VPL)
- 4.00% European Stocks (VGK)
- 5.60% International Lg Cap Value (EFV)
- 2.40% Precious Metals (GLTR)
- 12.00% Short-Term Investment Grade (VCSH)
- 8.00% TIPS (VTIP)
William Bernstein Sheltered Sam 70/30
- 17.50% US Large Cap Value (VTV)
- 14.00% US Large Cap (VV)
- 10.50% US Small Cap Value (VIOV)
- 3.50% US Small Cap (VIOO)
- 7.00% REITs (Real Estate) (VNQ)
- 3.50% Emerging Markets (VWO)
- 3.50% Pacific Stocks (VPL)
- 3.50% European Stocks (VGK)
- 4.90% International Lg Cap Value (EFV)
- 2.10% Precious Metals (GLTR)
- 18.00% Short-Term Investment Grade (VCSH)
- 12.00% TIPS (VTIP)
William Bernstein Sheltered Sam 60/40
- 15.00% US Large Cap Value (VTV)
- 12.00% US Large Cap (VV)
- 9.00% US Small Cap Value (VIOV)
- 3.00% US Small Cap (VIOO)
- 6.00% REITs (Real Estate) (VNQ)
- 3.00% Emerging Markets (VWO)
- 3.00% Pacific Stocks (VPL)
- 3.00% European Stocks (VGK)
- 4.20% International Lg Cap Value (EFV)
- 1.80% Precious Metals (GLTR)
- 24.00% Short-Term Investment Grade (VCSH)
- 16.00% TIPS (VTIP)
William Bernstein Sheltered Sam 50/50
- 12.50% US Large Cap Value (VTV)
- 10.00% US Large Cap (VV)
- 7.50% US Small Cap Value (VIOV)
- 2.50% US Small Cap (VIOO)
- 5.00% REITs (Real Estate) (VNQ)
- 2.50% Emerging Markets (VWO)
- 2.50% Pacific Stocks (VPL)
- 2.50% European Stocks (VGK)
- 3.50% International Lg Cap Value (EFV)
- 1.50% Precious Metals (GLTR)
- 30.00% Short-Term Investment Grade (VCSH)
- 20.00% TIPS (VTIP)
William Bernstein Sheltered Sam 40/60
- 10.00% US Large Cap Value (VTV)
- 8.00% US Large Cap (VV)
- 6.00% US Small Cap Value (VIOV)
- 2.00% US Small Cap (VIOO)
- 4.00% REITs (Real Estate) (VNQ)
- 2.00% Emerging Markets (VWO)
- 2.00% Pacific Stocks (VPL)
- 2.00% European Stocks (VGK)
- 2.80% International Lg Cap Value (EFV)
- 1.20% Precious Metals (GLTR)
- 36.00% Short-Term Investment Grade (VCSH)
- 24.00% TIPS (VTIP)
William Bernstein Sheltered Sam 30/70
- 7.50% US Large Cap Value (VTV)
- 6.00% US Large Cap (VV)
- 4.50% US Small Cap Value (VIOV)
- 1.50% US Small Cap (VIOO)
- 3.00% REITs (Real Estate) (VNQ)
- 1.50% Emerging Markets (VWO)
- 1.50% Pacific Stocks (VPL)
- 1.50% European Stocks (VGK)
- 2.10% International Lg Cap Value (EFV)
- 0.90% Precious Metals (GLTR)
- 42.00% Short-Term Investment Grade (VCSH)
- 28.00% TIPS (VTIP)
William Bernstein Sheltered Sam 20/80
- 5.00% US Large Cap Value (VTV)
- 4.00% US Large Cap (VV)
- 3.00% US Small Cap Value (VIOV)
- 1.00% US Small Cap (VIOO)
- 2.00% REITs (Real Estate) (VNQ)
- 1.00% Emerging Markets (VWO)
- 1.00% Pacific Stocks (VPL)
- 1.00% European Stocks (VGK)
- 1.40% International Lg Cap Value (EFV)
- 0.60% Precious Metals (GLTR)
- 48.00% Short-Term Investment Grade (VCSH)
- 32.00% TIPS (VTIP)
William Bernstein Sheltered Sam 10/90
- 2.50% US Large Cap Value (VTV)
- 2.00% US Large Cap (VV)
- 1.50% US Small Cap Value (VIOV)
- 0.50% US Small Cap (VIOO)
- 1.00% REITs (Real Estate) (VNQ)
- 0.50% Emerging Markets (VWO)
- 0.50% Pacific Stocks (VPL)
- 0.50% European Stocks (VGK)
- 0.70% International Lg Cap Value (EFV)
- 0.30% Precious Metals (GLTR)
- 54.00% Short-Term Investment Grade (VCSH)
- 36.00% TIPS (VTIP)
William Bernstein Sheltered Sam 100% Bonds
- 60.00% Short-Term Investment Grade (VCSH)
- 40.00% TIPS (VTIP)
William Bernstein Young Yvonne Portfolio
- 15.00% US Large Cap Value (VTV)
- 12.00% US Large Cap (VV)
- 9.00% US Small Cap Value (VIOV)
- 3.00% US Small Cap (VIOO)
- 6.00% REITs (Real Estate) (VNQ)
- 3.00% Emerging Markets (VWO)
- 3.00% Pacific Stocks (VPL)
- 3.00% European Stocks (VGK)
- 4.20% International Lg Cap Value (EFV)
- 40.00% Total US Bond Market (BND)
- 1.80% Precious Metals (GLTR)
William Bernstein Charlie Cringe Portfolio
- 35.00% US Total Stock Market (VTI)
- 5.00% REITs (Real Estate) (VNQ)
- 10.00% Int. Developed Blend (VEA)
- 50.00% Short Term Treasury (VGSH)
William Bernstein Wendy Wonk Portfolio
- 10.00% US Large Cap Value (VTV)
- 10.00% US Large Cap (VV)
- 7.50% US Small Cap Value (VIOV)
- 5.00% US Small Cap (VIOO)
- 7.50% REITs (Real Estate) (VNQ)
- 7.50% Emerging Markets (VWO)
- 7.50% Pacific Stocks (VPL)
- 10.00% European Stocks (VGK)
- 7.50% International Lg Cap Value (EFV)
- 25.00% Short Term Treasury (VGSH)
- 2.50% Precious Metals (GLTR)
William Bernstein Between Charlie and Wendy Portfolio
- 25.00% US Total Stock Market (VTI)
- 10.00% US Large Cap Value (VTV)
- 10.00% US Small Cap Value (VIOV)
- 5.00% REITs (Real Estate) (VNQ)
- 10.00% Int. Developed Blend (VEA)
- 40.00% Short Term Treasury (VGSH)
Find the best ETFs and mutual funds in our updated article What Is The Best ETF And Mutual Fund?
Resources for William Bernstein
His website The Efficient Frontier details he many books and a few other resources
His many books on Amazon. He has written on other topics other than investing. His book A Splendid Exchange is a fantastic inquiry on how trade enabled the modern world.
He has appeared on many financial and investing podcasts, use this search to find them all.
He is one of only three good guys in investing.
Conclusion
Which portfolio do you use?
After having read up on the William Bernstein portfolios I encourage you to find other great portfolios right here on portfolioeinstein.com.
If you have suggestions to new portfolios be sure to add them in comments or reach out to me.
I would love hearing from you!
