Sample Portfolios

Compare (up to 5)	Available portfolios. Click on the one of portfolio implementations to be taking to "Back Test" tab to test it or select up to 5 and press "Compare" button to compare portfolio performances in "Back Test" tab.

	Warren Buffett's 90/10 portfolio This portfolio follows the instructions that the great investor Warren Buffett has apparently set out in his will for his wife's trust. He outlined this plan on page 20 of his 2013 letter to Berkshire Hathaway Shareholders. The allocation is as follows: 90% low cost S&P 500 tracker 10% short-term government bonds Read more on investopedia.com: 90/10 Strategy
Select portfolio	Warren Buffett's 90/10 portfolio example 90% VOO (Vanguard 500 Index Fund ETF) 10% VGSH (Vanguard Short-Term Treasury Index Fund ETF)
Select portfolio	Warren Buffett's 90/10 portfolio, retirement portfolio example Same as above with 4% / year inflation adjusted withdrawals

	Paul Merriman - Ultimate Buy and Hold Strategy Paul Merriman is a successful investor, who know focuses his time on educating people on how to invest through his foundation. He has a number of variations of his portfolios, but here we take Portfolio #7 which captures all his main insights on equity asset classes. The allocation is as follows: 10% S&P 500 10% U.S. Large Cap Value 10% U.S. Small Cap Blend 10% U.S. Small Cap Value 10% U.S. REITs 10% International Large Cap Blend 10% International Large Cap Value 10% International Small Cap Blend 10% International Small Cap Value 10% Emerging Markets
Select portfolio	Paul Merriman - Buy and Hold Strategy #7 example 10% SPY SPDR S&P 500 10% VTV Vanguard Value 10% IJR iShares Core S&P Small-Cap 10% IJS iShares S&P Small-Cap 600 Value 10% VNQ Vanguard Real Estate 10% VEA Vanguard FTSE Developed Markets 10% EFV iShares MSCI EAFE Value 10% DLS WisdomTree International SmallCp Div 10% SCZ iShares MSCI EAFE Small-Cap 10% EEM iShares MSCI Emerging Markets
Select portfolio	Paul Merriman - Buy and Hold Strategy #7, retirement portfolio example Same as above with 4% / year inflation adjusted withdrawals
Select portfolio	Paul Merriman - Buy and Hold 80/20 portfolio example This is slight modification of #7 portfolio, whith 80% allocated for stocks same way it is done in #7 portfolio, and 20% is allocated for bonds. 10% VTIP Vanguard Short-Term Inflation-Protected Securities ETF 10% VGSH Vanguard Short-Term Treasury Index ETF 8% VXUS Vanguard Total International Stock ETF 8% VBR Vanguard Small-Cap Value ETF 8% VB Vanguard Small-Cap ETF 8% VOOV Vanguard S&P 500 Value ETF 8% VNQ Vanguard Real Estate ETF 8% VWO Vanguard FTSE Emerging Markets ETF 8% VOO Vanguard S&P 500 ETF 8% FNDC Schwab Fundamental International Small Company Index ETF 8% EFV iShares MSCI EAFE Value ETF 8% AVDV Avantis International Small Cap Value ETF
Select portfolio	Paul Merriman - Buy and Hold 80/20 portfolio, retirement portfolio example Same as above with 4% / year inflation adjusted withdrawals

	Coffeehouse Portfolio As Proposed by Bill Schultheis, this portfolio is exposed for 60% on the Stock Market and can be implemented with 7 ETFs. 40% Fixed Income 10% Large Cap Blend 10% Large Cap Value 10% Small Cap Blend 10% Small Cap Value 10% International 10% REITs
Select portfolio	Coffeehouse Portfolio example 40% BND Vanguard Total Bond Market 10% VV Vanguard Large-Cap 10% VTV Vanguard Value 10% IJR iShares Core S&P Small-Cap 10% IJS iShares S&P Small-Cap 600 Value 10% VEU Vanguard FTSE All-World ex-US 10% VNQ Vanguard Real Estate
Select portfolio	Coffeehouse Portfolio, retirement portfolio example Same as above with 4% / year inflation adjusted withdrawals

	Bill Bernstein's No Brainer Portfolio Bill Bernstein's No Brainer Portfolio can be implemented with 4 ETFs. It's exposed for 75% on the Stock Market. 25% Bonds 25% European Stocks 25% U.S. Small Cap Stocks 25% S&P 500
Select portfolio	Bill Bernstein's No Brainer Portfolio example 25% SHY iShares 1-3 Year Treasury Bond 25% VEU Vanguard FTSE All-World ex-US 25% IJR iShares Core S&P Small-Cap 25% VV Vanguard Large-Cap
Select portfolio	Bill Bernstein's No Brainer Portfolio, retirement portfolio example Same as above with 4% / year inflation adjusted withdrawals

	Harry Browne's Permanent Portfolio Sometime described as a fail-safe or bullet proof portfolio. Browne's portfolio is designed to hold up well in any economic environment and be a simple portfolio to implement. 25% U.S. long-term Treasury bonds 25% U.S. Treasury Bills 25% U.S. Total Stock Market 25% Gold
Select portfolio	Harry Browne's Permanent Portfolio example 25% TLT iShares 20+ Year Treasury Bond 25% BIL SPDR Blmbg Barclays 1-3 Mth T-Bill 25% VTI Vanguard Total Stock Market 25% GLD SPDR Gold Trust
Select portfolio	Permanent Portfolio, retirement portfolio example Same as above with 4% / year inflation adjusted withdrawals

Compare (up to 5)

Available portfolios. Click on the one of portfolio implementations to be taking to "Back Test" tab to test it or select up to 5 and press "Compare" button to compare portfolio performances in "Back Test" tab.

Warren Buffett's 90/10 portfolio

This portfolio follows the instructions that the great investor Warren Buffett has apparently set out in his will for his wife's trust. He outlined this plan on page 20 of his 2013 letter to Berkshire Hathaway Shareholders. The allocation is as follows:

90% low cost S&P 500 tracker
10% short-term government bonds

Read more on investopedia.com: 90/10 Strategy

Select portfolio

Warren Buffett's 90/10 portfolio example

90% VOO (Vanguard 500 Index Fund ETF)
10% VGSH (Vanguard Short-Term Treasury Index Fund ETF)

Select portfolio

Warren Buffett's 90/10 portfolio, retirement portfolio example

Same as above with 4% / year inflation adjusted withdrawals

Paul Merriman - Ultimate Buy and Hold Strategy

Paul Merriman is a successful investor, who know focuses his time on educating people on how to invest through his foundation. He has a number of variations of his portfolios, but here we take Portfolio #7 which captures all his main insights on equity asset classes. The allocation is as follows:

10% S&P 500
10% U.S. Large Cap Value
10% U.S. Small Cap Blend
10% U.S. Small Cap Value
10% U.S. REITs
10% International Large Cap Blend
10% International Large Cap Value
10% International Small Cap Blend
10% International Small Cap Value
10% Emerging Markets

Select portfolio

Paul Merriman - Buy and Hold Strategy #7 example

10% SPY SPDR S&P 500
10% VTV Vanguard Value
10% IJR iShares Core S&P Small-Cap
10% IJS iShares S&P Small-Cap 600 Value
10% VNQ Vanguard Real Estate
10% VEA Vanguard FTSE Developed Markets
10% EFV iShares MSCI EAFE Value
10% DLS WisdomTree International SmallCp Div
10% SCZ iShares MSCI EAFE Small-Cap
10% EEM iShares MSCI Emerging Markets

Select portfolio

Paul Merriman - Buy and Hold Strategy #7, retirement portfolio example

Same as above with 4% / year inflation adjusted withdrawals

Select portfolio

Paul Merriman - Buy and Hold 80/20 portfolio example

This is slight modification of #7 portfolio, whith 80% allocated for stocks same way it is done in #7 portfolio, and 20% is allocated for bonds.

10% VTIP Vanguard Short-Term Inflation-Protected Securities ETF
10% VGSH Vanguard Short-Term Treasury Index ETF
8% VXUS Vanguard Total International Stock ETF
8% VBR Vanguard Small-Cap Value ETF
8% VB Vanguard Small-Cap ETF
8% VOOV Vanguard S&P 500 Value ETF
8% VNQ Vanguard Real Estate ETF
8% VWO Vanguard FTSE Emerging Markets ETF
8% VOO Vanguard S&P 500 ETF
8% FNDC Schwab Fundamental International Small Company Index ETF
8% EFV iShares MSCI EAFE Value ETF
8% AVDV Avantis International Small Cap Value ETF

Select portfolio

Paul Merriman - Buy and Hold 80/20 portfolio, retirement portfolio example

Same as above with 4% / year inflation adjusted withdrawals

Coffeehouse Portfolio

As Proposed by Bill Schultheis, this portfolio is exposed for 60% on the Stock Market and can be implemented with 7 ETFs.

40% Fixed Income
10% Large Cap Blend
10% Large Cap Value
10% Small Cap Blend
10% Small Cap Value
10% International
10% REITs

Select portfolio

Coffeehouse Portfolio example

40% BND Vanguard Total Bond Market
10% VV Vanguard Large-Cap
10% VTV Vanguard Value
10% IJR iShares Core S&P Small-Cap
10% IJS iShares S&P Small-Cap 600 Value
10% VEU Vanguard FTSE All-World ex-US
10% VNQ Vanguard Real Estate

Select portfolio

Coffeehouse Portfolio, retirement portfolio example

Same as above with 4% / year inflation adjusted withdrawals

Bill Bernstein's No Brainer Portfolio

Bill Bernstein's No Brainer Portfolio can be implemented with 4 ETFs. It's exposed for 75% on the Stock Market.

25% Bonds
25% European Stocks
25% U.S. Small Cap Stocks
25% S&P 500

Select portfolio

Bill Bernstein's No Brainer Portfolio example

25% SHY iShares 1-3 Year Treasury Bond
25% VEU Vanguard FTSE All-World ex-US
25% IJR iShares Core S&P Small-Cap
25% VV Vanguard Large-Cap

Select portfolio

Bill Bernstein's No Brainer Portfolio, retirement portfolio example

Same as above with 4% / year inflation adjusted withdrawals

Harry Browne's Permanent Portfolio

Sometime described as a fail-safe or bullet proof portfolio. Browne's portfolio is designed to hold up well in any economic environment and be a simple portfolio to implement.

25% U.S. long-term Treasury bonds
25% U.S. Treasury Bills
25% U.S. Total Stock Market
25% Gold

Select portfolio

Harry Browne's Permanent Portfolio example

25% TLT iShares 20+ Year Treasury Bond
25% BIL SPDR Blmbg Barclays 1-3 Mth T-Bill
25% VTI Vanguard Total Stock Market
25% GLD SPDR Gold Trust

Select portfolio

Permanent Portfolio, retirement portfolio example

Same as above with 4% / year inflation adjusted withdrawals

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Remember: Past performance does not guarantee future results, even if stock/fund performed well in the past there is no guarantee it will do the same in the future.