Comments on: A Lazy Portfolio

By: Wisely-Investing

Wisely-Investing — Tue, 15 Sep 2009 14:02:04 +0000

I’m no expert in the area, but when I did a study of the return of all the funds in my 401k plan it seems that bonds might be a safer investment than stocks.

http://wisely-investing.blogspot.com/2009/09/are-bonds-better-than-stocks.html

By: Weekly Roundup: September 22

Weekly Roundup: September 22 — Tue, 25 Aug 2009 22:36:11 +0000

[...] Lazy Man and Money included his portfolio that is easy to maintain. [...]

By: Stocks4 Thelongrun

Stocks4 Thelongrun — Sun, 26 Jul 2009 23:31:58 +0000

What is the goal of this portfolio, who is it designed for, what risk profile and time frame?
Without clarifying the above questions the posting is just another internet noise.

Furthermore, the effort put into the creation of the portfolio is too lazy for my liking — did you check the expense ratio on FFR? 2.63 gross and a net of 0.60 — Lets hope that they do not change their minds on expense waivers.

You may also need to clarify that this portfolio is for a tax advantaged account as the tax ramifications of holding such a large REIT will eat the investor alive.

Maybe its just me but I do not see any laziness in re-balancing each week. A lazy portfolio should be lazy — buy and forgit about it; add some funds when you fell like, rebalance once every couple of years.

Give the damn portfolio time to prove itself and compound for you!

By: Lazy Man

Lazy Man — Wed, 02 Jul 2008 04:21:49 +0000

I don’t like target retirement funds. You usually pay more fees than if you did it yourself. It’s once a year work and something that I don’t think is that bad.

By: Brett @ Personal Loan Portfolio

Brett @ Personal Loan Portfolio — Wed, 02 Jul 2008 04:02:56 +0000

All the discussion of what percentage should be in each asset class makes some people go into analysis paralysis and select a money market fund.

I recommend that you can be EVEN MORE LAZY — select a single Vanguard Target Retirement Fund. Choose the year you hope to retire and it automatically re-balances periodically based upon the recommended asset allocation for that retirement year.

If I had to select only one investment and I had to keep it until retirement, that is the one that I would select — without a doubt.

By: MoneyEnergy

MoneyEnergy — Sun, 08 Jun 2008 06:58:12 +0000

Zecco has been recommended to me more than a few times, but I can’t partake – Canadians aren’t allowed to use US brokerages to the best of my knowledge (might be different if you have dual citz.).

I’m not a big bond investor, but do have some in bond funds. I’m still weighing the verdict on ETFs. I think many of them would be easy enough to replicate on your own.

I agree with Pinyo and Lazy Man; I’m going heavier on stocks for a long while. Especially if you’re in dividend growth stocks, which are my favourite.

By: The_Overdog

The_Overdog — Thu, 04 Oct 2007 01:37:40 +0000

what on earth makes you say that individual bonds can be risky? Unless you are in low grade high risk bonds, they are incredibly not risky.

The downside of bonds is that they are expensive to individually invest in, in that you can’t buy partial shares. That’s the only advantage of bond funds over individual bonds. If you have the funds to buy individual bonds, then you should do so instead of buying bond funds.

By: Personal Finance Review - New Pavestone Patio Edition » Money Smart Life

Personal Finance Review - New Pavestone Patio Edition » Money Smart Life — Sun, 23 Sep 2007 17:27:08 +0000

[...] -A Lazy Portfolio @ Lazy Man & Money [...]

By: Posts I Enjoyed Last Week | The Sun’s Financial Diary | A Personal Finance Blog on Saving and Investing

Sun, 23 Sep 2007 15:11:39 +0000

[...] Man at Lazy Man and Money wanted to build a lazy portfolio with nothing but a few ETFs. Interestingly, I ended up having the identical selection of funds when I was considering a simple [...]

By: » Weekly Roundup - Mobile Web Edition @ fivecentnickel.com

» Weekly Roundup - Mobile Web Edition @ fivecentnickel.com — Sun, 23 Sep 2007 03:37:58 +0000

[...] Man talked about his so-called lazy investment portfolio. It’s very simple, yet reasonably [...]

By: » Weekly Roundup - Mobile Web Edition @ fivecentnickel.com

» Weekly Roundup - Mobile Web Edition @ fivecentnickel.com — Sun, 23 Sep 2007 03:37:58 +0000

[...] Man talked about his so-called lazy investment portfolio. It’s very simple, yet reasonably [...]

By: Weekly Roundup: September 22 « Green Panda Treehouse

Weekly Roundup: September 22 « Green Panda Treehouse — Sat, 22 Sep 2007 02:32:14 +0000

[...] Lazy Man and Money included his portfolio that is easy to maintain. [...]

By: Sun

Sun — Thu, 20 Sep 2007 02:39:40 +0000

Looks like we have the same view in building a simple, "lazy" portfolio :) Several months ago, I was thinking of the smallest number of ETFs I can have to get a most diversified portfolio. The number I came up was 2: one total stocks and one total bonds. However, there's no a single ETF for the entire stock markets and world bonds. So I settled at 3 funds and they are all here :)

By: Brip Blap

Brip Blap — Thu, 20 Sep 2007 02:30:10 +0000

I don’t know – I’m 30% in bonds and I think that will pay off over time. I think if you rebalance weekly it’s not going to be so lazy – personally I rebalance once a year at most. But I’m in 100% agreement with the general idea. Our investments (my wife’s and mine) are 30/30/30/10 in Vanguard domestic stock index funds, international stock index funds, bond index funds, and “other” – REITs and individual stocks.

I don’t know how conservative bond funds are. The one listed here may be, but a lot can be pretty volatile – and the returns can be pretty solid. What most people don’t realize is that the bond market massively dwarfs the stock market. I work as a consultant for a lot of Fortune 50 (not 500, 50) companies and their bond operations are always far more important than the equity operations. Remember that bonds are not just the vanilla government bonds, etc. There are a lot of higher-return bonds out there that help counter your exposure to the equity markets, which are a little more sensitive to fluctuation in the short term.

But then again I’m somewhat risk averse, so take my opinion with a grain of salt.

By: Lazy Man

Lazy Man — Thu, 20 Sep 2007 01:05:35 +0000

This portfolio wasn’t intended for me. It’s just an example of one that I thought might work for a few people who want to own the fewest investments and be the most diversified. I’m in 100% stock at this time. Perhaps when I’m 55-60, I might switch to something this conservative.

By: Pinyo

Pinyo — Thu, 20 Sep 2007 00:36:53 +0000

I agree with Dong. This portfolio seems over-allocated for REIT and Bond. I believe you are only in your 30s, so I don’t know if you need that much Bond.

By: Lazy Man

Lazy Man — Wed, 19 Sep 2007 22:07:05 +0000

Dong, you might be right. I was going with the ultimate in Lazy (all equal parts, so you don’t need to do math). I also wanted to go more conservative than I would normally invest simply to apply to an even broader audience. Also if stocks all around the world get hit by some huge credit crunch or something similar, 70% of your portfolio isn’t hit, just 50%.

By: dong

dong — Wed, 19 Sep 2007 21:45:50 +0000

I realize that’s a lazy portfolio, but isn’t it bit too heavily weighted to REITS and bonds for most people? I’d bump the All World and total Stock Market to 35% a piece, and then put 20% REIT, and 10% Bond as an allocation.