{"id":58811,"date":"2023-02-27T04:02:29","date_gmt":"2023-02-27T08:02:29","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=58811"},"modified":"2025-04-16T17:55:44","modified_gmt":"2025-04-16T21:55:44","slug":"lazy-portfolio","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/lazy-portfolio\/","title":{"rendered":"3 Lazy Portfolio Recipes (+Why They Make You Rich)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"58811\" class=\"elementor elementor-58811\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-76a7b836 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"76a7b836\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a014099\" data-id=\"2a014099\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d914050 elementor-widget elementor-widget-text-editor\" data-id=\"d914050\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It doesn\u2019t matter who you are or how much money you make. There\u2019s no better way to assure you\u2019ll be rich one day than by investing in\u00a0<a href=\"https:\/\/iwillteachyoutoberich.com\/all-about-mutual-funds\/\" target=\"_blank\" rel=\"noreferrer noopener\">index funds<\/a>.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>And when you leverage\u00a0<em>multiple\u00a0<\/em>index funds\u00a0it becomes a powerful tool called the lazy portfolio.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li><a href=\"https:\/\/iwillteachyoutoberich.com\/lazy-portfolio\/#what-lazy-portfolio\">What is a lazy portfolio?<\/a><\/li>\n<li><a href=\"https:\/\/iwillteachyoutoberich.com\/lazy-portfolio\/#how-to-build\">How do I build a lazy portfolio?<\/a><\/li>\n<li><a href=\"https:\/\/iwillteachyoutoberich.com\/lazy-portfolio\/#ricks-portfolio\">Rick\u2019s two-fund lazy portfolio<\/a><\/li>\n<li><a href=\"https:\/\/iwillteachyoutoberich.com\/lazy-portfolio\/#taylors-portfolio\">Taylor\u2019s three-fund lazy portfolio<\/a><\/li>\n<li><a href=\"https:\/\/iwillteachyoutoberich.com\/lazy-portfolio\/#no-brainer\">Dr. Bernstein\u2019s \u201cno brainer\u201d lazy portfolio<\/a><\/li>\n<li><a href=\"https:\/\/iwillteachyoutoberich.com\/lazy-portfolio\/#additional-suggestions\">Additional suggestions<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-483b22ba elementor-widget elementor-widget-text-editor\" data-id=\"483b22ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- wp:paragraph -->\n<h2 id=\"what-lazy-portfolio\"><strong>What\u2019s a lazy portfolio?<\/strong><\/h2>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>A lazy portfolio is a diversified portfolio of low-cost index funds that allows you to\u2026well, be lazy. That means no active trading, no checking your stocks every day, and no paying some hedge fund manager (<a href=\"https:\/\/www.cnbc.com\/2017\/04\/12\/bad-times-for-active-managers-almost-none-have-beaten-the-market-over-the-past-15-years.html\" target=\"_blank\" rel=\"noreferrer noopener\">who won\u2019t beat the market anyway<\/a>) to handle your money.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>It just gives you\u00a0<em>results<\/em>.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>It\u2019s the set-it-and-forget-it approach to investing, allowing you to set the same asset allocation in your portfolio for a lonnngggggg time (typically for 10+ years).<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Does this sound boring? Yes.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Will it make you rich? Oh, yeah.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>That\u2019s because lazy portfolios generally have:<\/p>\n<!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} -->\n<ol>\n<li><strong>Fewer fees.\u00a0<\/strong>Many mutual funds come with a bunch of dumb costs because they\u2019re handled by money managers. Index funds do not, because you\u2019re just investing in the whole market, so transactions are handled by computers that are happy to take much less money.<\/li>\n<li><strong>Less risk.\u00a0<\/strong>Since index funds invest in the entire market, they\u2019re MUCH less volatile. You\u2019ll earn money\u00a0<em>slowly<\/em>, but if you keep your cash in the market over your lifetime, I promise you\u2019ll make money.<\/li>\n<\/ol>\n<!-- \/wp:list --><!-- wp:paragraph -->\n<p>Check out the graph of how the S&amp;P 500 has performed since 1950.<\/p>\n<!-- \/wp:paragraph --><!-- wp:image {\"id\":31260} -->\n<figure class=\"wp-block-image\"><img decoding=\"async\" class=\"wp-image-31260\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/S-and-P-500-Chart-1950-to-2016-1024x714.png\" alt=\"S&amp;P 500 Returns Chart 1950 to 2016\" \/><\/figure>\n<!-- \/wp:image --><!-- wp:paragraph -->\n<p><br \/><em>The S&amp;P 500 since 1950.<\/em><\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>If you don\u2019t know how to purchase funds yet, I highly suggest you\u00a0<em>at the very least\u00a0<\/em>read my\u00a0<strong><u><a href=\"https:\/\/iwillteachyoutoberich.com\/all-about-mutual-funds\/\" target=\"_blank\" rel=\"noreferrer noopener\">How mutual funds work<\/a><\/u><\/strong>\u00a0article. In fact, do that now. (Don\u2019t worry, this article will still be here!)<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>When you\u2019re done, I want to show you a few funds to get you started in building a lazy portfolio for yourself and start earning money in the market today.<\/p>\n<!-- \/wp:paragraph --><!-- wp:heading -->\n<h2 id=\"how-to-build\"><strong>How do I build my lazy portfolio?<\/strong><\/h2>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>Good news: Building a lazy portfolio is\u00a0<em>easy.\u00a0<\/em>You do it the same way you would put money into any other fund.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>However, there isn\u2019t a one-size-fits-all way of doing things when it comes to a lazy portfolio. That\u2019d be like saying that there was only one single fund or bond that EVERYONE should put exactly XX% of their money in\u2026which is wrong.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Luckily, there are certain \u201crecipes\u201d that people have leveraged to help them earn money on their investments. These recipes differ in terms of how many funds are in the actual portfolio and also how the assets are allocated.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>They are also completely\u00a0<em>malleable,<\/em>\u00a0which means you can change them whenever and however you want depending on your financial goals.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>While there are many different recipes out there, they generally break down into three categories:<\/p>\n<!-- \/wp:paragraph --><!-- wp:list -->\n<ul>\n<li>Two-fund portfolios<\/li>\n<li>Three-fund portfolios<\/li>\n<li>Four-fund portfolios<\/li>\n<\/ul>\n<!-- \/wp:list --><!-- wp:paragraph -->\n<p>Below are three portfolios that I suggest that fall into each category \u2014 along with suggestions for funds you can put in them.<\/p>\n<!-- \/wp:paragraph --><!-- wp:heading -->\n<h2 id=\"ricks-portfolio\"><strong>Rick Ferri\u2019s Two-Fund Lazy Portfolio<\/strong><\/h2>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>The 60\/40 rule of asset allocation is a tried-and-true rule of thumb for approaching your portfolio. And it\u2019s ludicrously simple:<\/p>\n<!-- \/wp:paragraph --><!-- wp:list -->\n<ul>\n<li>60% stocks<\/li>\n<li>40% bonds<\/li>\n<\/ul>\n<!-- \/wp:list --><!-- wp:paragraph -->\n<p>That\u2019s it.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Of course, you\u2019re going to want to find funds that fit those asset classes. One great combination of funds (as well as their stock symbols) recommended by Rick Ferri, founder of\u00a0<a href=\"https:\/\/portfoliosolutions.com\/latest-learnings\/three-simple-index-fund-portfolios\" target=\"_blank\" rel=\"noreferrer noopener\">Portfolio Solutions<\/a>, is:<\/p>\n<!-- \/wp:paragraph --><!-- wp:list -->\n<ul>\n<li>Vanguard Total Bond Market ETF (BND)<\/li>\n<li>Vanguard Total World Stock ETF (VT)<\/li>\n<\/ul>\n<!-- \/wp:list --><!-- wp:paragraph -->\n<p>If you choose to set this up as your lazy portfolio, your asset allocation will look like this:<img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Rick-Ferris-Two-Fund-Lazy-Portfolio-1024x438.png\" srcset=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Rick-Ferris-Two-Fund-Lazy-Portfolio-1024x438.png 1024w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Rick-Ferris-Two-Fund-Lazy-Portfolio-300x128.png 300w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Rick-Ferris-Two-Fund-Lazy-Portfolio-768x328.png 768w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Rick-Ferris-Two-Fund-Lazy-Portfolio-1536x657.png 1536w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Rick-Ferris-Two-Fund-Lazy-Portfolio.png 1576w\" alt=\"Rick Ferri's Two Fund Lazy Portfolio\" width=\"720\" height=\"308\" \/><\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>You can change how you allocate these assets depending on your risk tolerance too. If you\u2019re willing to put a little bit more into the market via stocks \u2014 a riskier choice \u2014 you can put more into the Total World Stock ETF. Otherwise, you can place more into bonds and get a more assured return.<\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ad867d elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1ad867d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f2012b5\" data-id=\"f2012b5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dfb08e elementor-widget elementor-widget-text-editor\" data-id=\"6dfb08e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"taylors-portfolio\"><strong>Taylor Larimore\u2019s Three-Fund Lazy Portfolio<\/strong><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Developed by the guy who Jack Bogle called \u201cThe King of the Bogleheads,\u201d this fund is another one that\u2019s pure 60\/40 rule. However, unlike the aforementioned two-fund portfolio, this one suggests investing in both international index funds as well as stock market index funds.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The percentages for the asset allocation look like this then:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>42% U.S. stocks<\/li>\n<li>18% international stocks<\/li>\n<li>40% bonds<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>As a Boglehead himself, Larimore suggests going with Vanguard funds here:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Vanguard Total Stock Market Index Fund (VTSMX)<\/li>\n<li>Vanguard Total International Stock Index Fund (VGTSX)<\/li>\n<li>Vanguard Total Bond Market Index Fund (VBTLX)<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If you choose to set this up as your lazy portfolio, your asset allocation will look like this:<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Taylor-Larimores-Three-Fund-Lazy-Portfolio-1024x455.png\" srcset=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Taylor-Larimores-Three-Fund-Lazy-Portfolio-1024x455.png 1024w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Taylor-Larimores-Three-Fund-Lazy-Portfolio-300x133.png 300w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Taylor-Larimores-Three-Fund-Lazy-Portfolio-768x341.png 768w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Taylor-Larimores-Three-Fund-Lazy-Portfolio-1536x683.png 1536w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Taylor-Larimores-Three-Fund-Lazy-Portfolio.png 1548w\" alt=\"Taylor Larimore's Three Fund Lazy Portfolio\" width=\"720\" height=\"320\" \/><\/p>\n<p><em>If your assets don\u2019t look like the Mercedes symbol, you\u2019re doing it wrong.<\/em><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Over the past decade, this fund has returned roughly 7%,\u00a0<a href=\"https:\/\/www.wsj.com\/articles\/a-portfolio-thats-as-simple-as-one-two-three-1376489493\" target=\"_blank\" rel=\"noreferrer noopener\">according to the Wall Street Journal<\/a>\u00a0\u2014 which beats out the VAST majority of actively managed funds and even the S&amp;P 500. It\u2019s a no-brainer if you want to invest in an easy, hands-off portfolio that will give you gains.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Speaking of no-brainers\u2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d247a1 elementor-widget elementor-widget-heading\" data-id=\"9d247a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0bcf04 elementor-widget elementor-widget-text-editor\" data-id=\"b0bcf04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: a29eff05-a428-4f70-9ff1-e2e533efe130 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a186c91 elementor-widget elementor-widget-button\" data-id=\"a186c91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f209998 elementor-widget elementor-widget-text-editor\" data-id=\"f209998\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:heading --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"no-brainer\"><strong>Dr. Bernstein\u2019s \u201cNo-Brainer\u201d Lazy Portfolio<\/strong><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>As a neurologist turned financial wizard and author of\u00a0<em>The Intelligent Asset Allocator\u00a0<\/em>and\u00a0<em>The Birth of Plenty<\/em>, Dr. William Bernstein has championed the power of the index fund over individual stocks and bonds for YEARS. So it\u2019s no surprise that he suggests you put your money in a lazy portfolio that\u2019s made of a few of them.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>One portfolio that he suggested in\u00a0<em>The Intelligent Asset Allocator<\/em>\u00a0is called the \u201cNo-Brainer\u201d Portfolio, and is comprised of four equal funds:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>25% U.S. stocks<\/li>\n<li>25% small-cap U.S. stocks<\/li>\n<li>25% international stocks<\/li>\n<li>25% bonds<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>You can see why it\u2019s a \u201cno-brainer.\u201d This portfolio also gives investors a chance to diversify their risk (since there are four equally distributed funds) over time.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Here are his suggestions for the funds you can invest in:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Vanguard 500 Index (VFINX)<\/li>\n<li>Vanguard Small-Cap Index (NAESX)<\/li>\n<li>Vanguard Total International Stock Index (VGTSX)<\/li>\n<li>Vanguard Total Bond Market Index (VBMFX)<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If you choose to set this up as your lazy portfolio, your asset allocation will look like this:<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Dr-Bernsteins-No-Brainer-Lazy-Portfolio-1024x485.png\" srcset=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Dr-Bernsteins-No-Brainer-Lazy-Portfolio-1024x485.png 1024w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Dr-Bernsteins-No-Brainer-Lazy-Portfolio-300x142.png 300w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Dr-Bernsteins-No-Brainer-Lazy-Portfolio-768x364.png 768w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Dr-Bernsteins-No-Brainer-Lazy-Portfolio.png 1490w\" alt=\"Dr. Bernstein's &quot;No-Brainer&quot; Lazy Portfolio\" width=\"720\" height=\"341\" \/><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Over the past decade, this portfolio has had an\u00a0<a href=\"https:\/\/www.marketwatch.com\/lazyportfolio\/portfolio\/bernsteins-no-brainer\" target=\"_blank\" rel=\"noreferrer noopener\">annual return of about 5%<\/a>\u00a0\u2014 which is in line with the S&amp;P 500. It\u2019s a great one for anyone who likes low-risk, assured returns.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"additional-suggestions\"><strong>Other recipe suggestions<\/strong><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Those are just a few solid recipes that I suggest.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If you\u2019re a weirdo like me, and want to dive even deeper into the world of lazy portfolios and asset allocation, here are a few great recipes for portfolios for further reading:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li><strong><u><a href=\"https:\/\/www.bogleheads.org\/william-bernsteins-cowards-portfolio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Dr. Bernstein\u2019s Coward\u2019s Portfolio<\/a><\/u><\/strong><\/li>\n<li><a href=\"https:\/\/www.forbes.com\/sites\/rickferri\/2013\/05\/23\/three-simple-index-fund-portfolios\/#3c4760822c15\"><strong><u>Rick Ferri\u2019s Three-Fund Portfolio and Core 4 Portfolio<\/u><\/strong><\/a><\/li>\n<li><strong><u><a href=\"http:\/\/www.coffeehouseinvestor.com\/coffeehouse-beans\/coffeehouse-portfolios\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bill Schultheis\u2019s Coffeehouse Portfolio<\/a><\/u><\/strong><\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>No matter what you choose, remember that when it comes to your lazy portfolio, there\u2019s no right or wrong way to go about it. It\u2019s just what matters to\u00a0<em>you\u00a0<\/em>and your goals. <\/p>\n<p>That\u2019s it. One of these lazy portfolios might make perfect sense to you while the others seem AWFUL\u2026and that\u2019s fine! It\u2019s your finances, and ultimately, it\u2019s you who gets to make the decisions.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2><strong>How to invest in your lazy portfolio for peak laziness<\/strong><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>When you finally invest in your lazy portfolio, you can take your laziness\u00a0<em>even further\u00a0<\/em>by automating your finances.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><a href=\"https:\/\/iwillteachyoutoberich.com\/automate-your-personal-finances\/\" target=\"_blank\" rel=\"noreferrer noopener\">I<\/a>.\u00a0<a href=\"https:\/\/iwillteachyoutoberich.com\/automating-your-accounts-video\/\" target=\"_blank\" rel=\"noreferrer noopener\">Talk<\/a>.\u00a0<a href=\"https:\/\/iwillteachyoutoberich.com\/the-psychology-of-automation-building-a-bulletproof-personal-finance-system\/\" target=\"_blank\" rel=\"noreferrer noopener\">About<\/a>.\u00a0<a href=\"https:\/\/iwillteachyoutoberich.com\/automating-money-for-small-business\/\" target=\"_blank\" rel=\"noreferrer noopener\">This<\/a>.\u00a0<a href=\"https:\/\/iwillteachyoutoberich.com\/3-proven-steps-anyone-can-take-to-become-rich\/\" target=\"_blank\" rel=\"noreferrer noopener\">A<\/a>.\u00a0<a href=\"https:\/\/iwillteachyoutoberich.com\/how-to-save-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">LOT<\/a>. But that\u2019s only because it\u2019s the best way to invest, save, and earn money. This system allows you to\u00a0<em>automatically\u00a0<\/em>send your money where it needs to go as soon as you receive your paycheck.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/how-to-automate-your-finances-infographic-735x1024.jpg\" srcset=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/how-to-automate-your-finances-infographic-735x1024.jpg 735w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/how-to-automate-your-finances-infographic-215x300.jpg 215w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/how-to-automate-your-finances-infographic-768x1070.jpg 768w, https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/how-to-automate-your-finances-infographic.jpg 960w\" alt=\"How To Automate Your Finances Infographic\" width=\"720\" height=\"1003\" \/><\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-36b2665 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"36b2665\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-babe7de\" data-id=\"babe7de\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a33ac26 elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"a33ac26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE my Ultimate Guide to Personal Finance\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27b76f2 elementor-widget elementor-widget-text-editor\" data-id=\"27b76f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s one of the best things I&#8217;ve published, and totally free \u2013 just tell me where to send it:<!-- notionvc: d468a622-5e5d-478e-9620-af9ec472ddde --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7b8b602 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"7b8b602\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8f856e\" data-id=\"b8f856e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a72092 elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"2a72092\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div 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name=\"wpforms[fields][13]\" value=\"53563\"><\/div><div id=\"wpforms-53563-field_15-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"15\"><input type=\"hidden\" id=\"wpforms-53563-field_15\" name=\"wpforms[fields][15]\" value=\" \/ UG to Personal Finance\"><\/div><div id=\"wpforms-53563-field_14-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"14\"><input type=\"hidden\" id=\"wpforms-53563-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53563-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div 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wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53563-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53563-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58811\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/lazy-portfolio\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If you want a simple, low-maintenance investment strategy that grows your wealth with minimal effort, a lazy portfolio is exactly what you need. In this guide, you\u2019ll learn what a lazy portfolio is, why it works, and how to build one to start compounding your wealth. What Is a Lazy Portfolio? (And Why It Will [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":92628,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-58811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=58811"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58811\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/92628"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=58811"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=58811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}