History
A classic example of lazy portfolio design: understandable enough to explain quickly.
Philosophy
Prefer broad funds and easy rebalancing over elaborate asset allocation.
Lazy PassiveMarket betaStock / bondModerateLow complexity
Second Grader Portfolio
A deliberately simple index mix built for clarity and low maintenance.
Asset allocation
US Stocks
50%International Stocks
20%Bonds
30%Implementation
Local products and proxies
🌐 Second Grader Portfolio implementation
Long-term individual investor
Use broad, low-cost funds or ETFs matching each asset class.
Account notes: Implementation depends on local account types and tax wrappers.
Costs: Prefer low-cost, liquid vehicles.
Rebalancing: Annual rebalancing or tolerance bands.
Tax: Country-specific tax treatment should be reviewed before implementation.
Product names are implementation examples for research. Availability, taxation, share classes and suitability should be checked with the investor's broker and tax situation.
Similar portfolios
Adjacent ideas in the atlas
Bogleheads Four-Fund Portfolio
A slightly more granular Bogleheads portfolio that preserves low-cost indexing while separating one additional risk or control sleeve.
US Stocks40%
International Stocks25%
Bonds25%
TIPS10%
Open atlas entry
Coffeehouse Portfolio
Bill Schultheis’s relaxed lazy portfolio, built to deliver broad diversification without turning investing into a second job.
US Stocks40%
Bonds30%
International Stocks10%
Small Cap Value10%
REITs10%
Open atlas entry
Coward's Portfolio
A diversified lazy allocation using broad equity slices, small-cap value, listed real estate and bonds.
US Stocks30%
Bonds30%
International Stocks20%
Small Cap Value10%
REITs10%
Open atlas entry
Core Four 60/40 Portfolio
A moderate Core Four variant that pairs global equities with bonds and a small REIT allocation.
Bonds40%
US Stocks30%
International Stocks24%
REITs6%
Open atlas entry
Core Four 80/20 Portfolio
A simple four-fund portfolio combining global equities, bonds and real estate exposure in a low-maintenance structure.
US Stocks48%
International Stocks24%
Bonds20%
REITs8%
Open atlas entry