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Old 04-27-2007 , 07:43 AM     Nikkei est dconnect  search   Quote  
'Lazy Portfolios' 1Q update (still winners!)
And beating the S&P 500 for passive investors, advisers and pros
By Paul B. Farrell, MarketWatch
Last Update: 12:25 PM ET Apr 11, 2007

ARROYO GRANDE, Calif. (MarketWatch) -- Welcome to the new 1st quarter update of the lazy portfolios. And guess what: They're still boring ... and still beating the S&P 500, with no timing and no trading necessary.
Who's interested in the lazy portfolios? Recent e-mails suggest that although we initially thought lazy portfolios were mainly for passive do-it-yourself Main Street investors, as time passed we've discovered that this strategy is actually working for three different kinds of investors:

1. Passive investors: the vast majority of America's 95 million investors
2. Financial advisers and wealth managers helping high-net-worth folks
3. Financial industry pros investing the passive portion of their assets

So whichever group you fit in, come join the club, you're a perfect candidate for one of these lazy portfolios. Or we invite you to create your own modified version.

Focus on funds, ETFs

MarketWatch offers complete coverage of mutual funds and exchange-traded funds. Highlights:

• Taxing times for fund shareholders
• Baby's first investing steps
• Crude realities of oil ETFs
• Nothing lazy about these portfolios
• How to Buy funds, ETFs and more

Get our free Mutual Funds weekly

And by the way, if you haven't figured it out by now from reading about lazy portfolios the past several years we've been updating them, lazy investing is nothing more than the good old MPT (Modern Portfolio Theory) in action: Simple well-diversified portfolios of three to 11 low-cost, no-load index funds. Solid long-term asset allocations with no active trading.
Warning: Brokers hate this Nobel Prize-winning strategy because they can't get rich on index funds. But the truth is, once you're in the club, you can ignore the other 14,000 funds out there, they're unnecessary. Watch an interview to learn what is behind the lazy portfolios.
So how are the lazy portfolios doing? Same dull, boring results: Still beating the S&P 500! Morningstar tallied the results for us again. The Aronson Family Portfolio was the three- and five-year winner, and the "Second Grader's Lazy 'Starter' Portfolio" nudged out the "Yale U Portfolio" on a one-year basis (thanks to having just 10% in fixed-income compared to 20% to 40% for the others). Here are all the facts, folks:
Aronson Family Portfolio: 11 funds
Ted Aronson heads up AJO Partners, managers of $29 billion, no retail funds for the public, just institutional retirement money. I first ran across Ted in a Barron's interview. He's one of the rare managers who's honest enough to tell you where his own money is invested. "All of my family's retirement money is in AJO funds," says Ted, "but because the fund trades a lot, it's not suitable for taxable investments. So all our family's taxable money is in Vanguard's no-load index funds." And he's beating the S&P 500 on a 1-, 3- and 5-year annualized basis with 40% in domestic, 40% in international and 20% in fixed income. And he's sticking with these allocations for the near future.
Fund Allocation 1-year return 3-year annualized return 5-year annualized return
Vanguard 500 Index VFINX 15% 11.67% 9.91% 6.14%
Vanguard Emerging Markets Stock Index VEIEX 20% 18.88 26.86 23.82
Vanguard European Stock Index VEURX 5% 25.65 22.09 15.85
Vanguard Extended Market Index VEXMX 10% 8.48 13.76 12.46
Vanguard High-Yield Corporate VWEHX 5% 9.01 6.60 7.77
Vanguard Inflation-Protected Securities VIPSX 10% 5.08 2.85 7.22
Vanguard Long-Term U.S. Treasury VUSTX 5% 6.40 3.68 7.36
Vanguard Pacific Stock Index VPACX 15% 9.78 14.77 15.62
Vanguard Small Cap Growth VISGX 5% 3.73 11.80 11.57
Vanguard Small Cap Value Index VISVX 5% 9.54 14.16 11.19
Vanguard Total Stock Market Index VTSMX 5% 11.10 10.81 7.50
Total portfolio 100% 11.62 14.19 13.06
S&P 500 Index 100% 11.83 10.06 6.27

No-Brainer Portfolio: 9 funds
Dr. William Bernstein is the author of the Intelligent Asset Allocator as well as a physician, neurologist and financial adviser. I first saw this portfolio seven years ago in his SmartMoney column. And "No-Brainer" is soundly beating the S&P 500's five-year averages plus running neck and neck on a one- and three-year basis.
Fund Allocation 1-year return 3-year annualized return 5-year annualized return
Vanguard Emerging Markets Stock Index 5% 18.88% 26.86% 23.82%
Vanguard European Stock Index 5% 25.65 22.09 15.85
Vanguard Pacific Stock Index 5% 9.78 14.77 15.62
Vanguard REIT Index VGSIX 5% 21.66 22.28 21.62
Vanguard Short-Term Investment Grade Index VFSTX 40% 6.08 3.10 4.00
Vanguard Small Cap Index NAESX 5% 6.70 13.07 11.54
Vanguard Small Cap Value Index 10% 9.54 14.16 11.19
Vanguard Total Stock Market Index 15% 11.10 10.81 7.50
Vanguard Value Index VIVAX 10% 17.06 14.22 9.45
Total portfolio 100% 10.89 10.65 9.21
S&P 500 Index 100% 11.83 10.06 6.27

Coffeehouse Portfolio: 7 funds
Bill Schultheis is a former Smith Barney broker and author of "The Coffeehouse Investor." Bill launched his portfolio in 1999 when Wall Street was betting heavy on tech and dot-coms. They laughed at his 40% bond allocation. But nobody laughed during the bear market of 2000-2002 when his lazy portfolio was beating the S&P 500 by 15 percentage points all three years. And it's so simple: You put 40% in an intermediate bond index and 10% in each of the six stock funds; so it wins in bull and bear markets.
Fund Allocation 1-year return 3-year annualized return 5-year annualized return
Vanguard 500 Index 10% 11.67% 9.91% 6.14%
Vanguard REIT Index 10% 21.66 22.28 21.62
Vanguard Small Cap Index 10% 6.70 13.07 11.54
Vanguard Small Cap Value Index 10% 9.54 14.16 11.19
Vanguard Total Bond Market Index VBMFX 40% 6.45 3.17 4.87
Vanguard Total International Stock Index VGTSX 10% 20.14 20.64 16.56
Vanguard Value Index 10% 17.06 14.22 9.45
Total portfolio 100% 11.26 10.70 9.60
S&P 500 Index 100% 11.83 10.06 6.27

Yale University Lazy Portfolio: 5 funds
David Swensen's the manager of Yale University's endowment fund and author of "Unconventional Success," a must-read book. He's had incredible returns of roughly 16% annually for two decades! However, he warns that institutional managers like him have many advantages unavailable to America's 94 million Main Street investors. His five-fund lazy portfolio is a solid winner, beating the S&P 500 across the board.
Fund Allocation 1-year return 3-year annualized return 5-year annualized return
Vanguard Inflation-Protected Securities 15% 5.08% 2.85% 7.22%
Vanguard REIT Index 20% 21.66 22.28 21.62
Vanguard Short-Term Treasury Index VFISX 15% 5.02 2.25 3.60
Vanguard Total International Stock Index 20% 20.14 20.64 16.56
Vanguard Total Stock Market Index 30% 11.10 10.81 7.50
Total portfolio 100% 13.21 12.59 11.51
S&P 500 Index 100% 11.83 10.06 6.27

Margaritaville Portfolio: 3 funds
Scott Burns is a popular Dallas Morning News financial columnist and co-author of the best-selling "Coming Generational Storm." He started developing lazy portfolios 15 years ago. His Margaritaville Portfolio is simple. And it's beating the S&P 500 in all three time periods.
Fund Allocation 1-year return 3-year annualized return 5-year annualized return
Vanguard Inflation-Protected Securities 33.3% 5.08% 2.85% 7.22%
Vanguard Total International Stock Index 33.3% 20.14 20.64 16.56
Vanguard Total Stock Market Index 33.3% 11.10 10.81 7.50
Total portfolio 100% 11.99 11.32 10.32
S&P 500 Index 100% 11.83 10.06 6.27

Second-Grader's 'Starter' Portfolio: 3 funds
Here's a new lazy portfolio we just reviewed a couple months ago. See previous Paul B. Farrell.
Kevin Roth is an 8-year-old second-grader. He got a gift from grandma and a few hints from his father, Allan, a financial planner in Colorado Springs. It's a simple portfolio with just 10% in bonds, perfect for someone with a long time horizon and higher risk tolerance.
Fund Allocation 1-year return 3-year annualized return 5-year annualized return
Vanguard Total Stock Market Index 60% 11.10% 10.81% 7.50%
Vanguard Total International Stock Index 30% 20.14 20.64 16.56
Vanguard Total Bond Market Index 10% 6.45 3.17 4.87
Portfolio 100% 13.35 13.00 9.96
S&P 500 Index 11.83 10.06 6.27

Source for all figures: Morningstar Inc. data as of March 31.
Your choice
But, which one's best for you? Actually, any one of the seven is better than wasting time chasing hot stocks and the other 14,000 funds, the vast majority of which underperform the market every year. In the long run, any one of these portfolios is a better choice than virtually all other alternatives for passive investors.
Finally, it turns out that the lazy portfolios have gained enough readership that we're considering the possibility of making them a regular feature, with daily updates so you can come back and check out their performance anytime, not just quarterly.

I like these 2 funds: Vanguard Precious Metals and Mining Fund (VGPMX) and Vanguard International Explorer Fund (VINEX) but they closed to the new investors.
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Old 05-01-2007 , 02:35 PM     banamilok est dconnect  search   Quote  
What is the best buy for ROTH now? I just bought opbl but lost 1$/share. When it when up, I was out the field so I missed the sale :( :(
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Old 05-08-2007 , 08:16 PM     TheHomes est dconnect  search   Quote  
on sunday evening, i traded my VGPMX in for a Vanguard high yield money market fund, just to park it there for a while. i expect a market correction coming this summer and i will try to pick a market bottom to buy a stock fund. VGPMX has done really nice in the past 3 years. i got it at 17.70, and the traded it in at 32.90 at yesterday's closing price. today it dropped 0.5%, so i got lucky.
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Old 05-09-2007 , 03:11 PM     nekkei est dconnect  search   Quote  
I wanted to get into this fund for my roth IRA but they closed to new investors. I ended up getting veurx, I think VGPMX is the best fund of vanguard, highest return, low fee, YTD returns 21.41%
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Old 05-09-2007 , 03:16 PM     TheHomes est dconnect  search   Quote  
Quote :
Originally Posted by nekkei
I wanted to get into this fund for my roth IRA but they closed to new investors. I ended up getting veurx, I think VGPMX is the best fund of vanguard, highest return, low fee, YTD returns 21.41%

yeah, i did very well with it. i kept 5 shares just to keep it open, so i can jump back in later when its cheaper.
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Old 08-24-2007 , 08:17 AM     boredatwork est dconnect  search   Quote  
buy target retirement fund or index fund. i think simplier unless you want to take more risk and buy specific sectors or markets funds.
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Old 09-05-2007 , 09:55 PM     bebegirl89 est dconnect  search   Quote  
You can buy stoks everywhere except Korean stocks . Crazy invesment if you do it in Korean ( such as liars will steal all your money ... ) kekeke ... They will bring all to China and then China will kill all this world .
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Old 09-10-2007 , 09:22 PM     tuanDC est dconnect  search   Quote  
hi... i don't know much about 401k... can someone help me.. know do u know what u get in return... im kinda confuse.. when i started saving.. i put 40/60... 60 is for bond and the other is for stock... can someone help me please
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Old 11-02-2007 , 10:08 PM     newface est dconnect  search   Quote  
Vanguard Energy fund is also consider one of the best of VG funds, It had gone up 45% this year. I like most of Vanguard funds had mentioned above. with exclusion of REIT.
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Old 07-22-2011 , 05:28 AM     bearrally est dconnect  search   Quote  
The 401(k) skimming scam
By Daniel Solin Posted 1:00PM 02/25/09 Retirement, Columns, Investing

Comments Text Size A A A
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The real problem with 401(k) plans has nothing to do with the current market meltdown. These plans are set up to benefit employers and the mutual fund industry. They profit in every kind of market. It's employees who are the losers.

Current hearings before the House Education and Labor Committee are unlikely to solve the problem because Congress has traditionally been unwilling to take on the powerful securities industry lobby. Committee Chairman George Miller correctly observed that these plans are a "high-stakes crap shoot", but that is the tip of the iceberg.

The 401(k) system is rotten to its core.

Employers get paid off in the form of subsidies to select brokers and advisors who control the investment options in the plan. They, in turn, get paid by fund families and insurance companies which limit employees' investment options to costly, under-performing funds.

The fox guarding the hen house is the big winner. They have a vested interest in steering employees in the wrong direction. That's why there is no standardized investment education.

The fix would be simple and easy to implement:

* Full and transparent disclosure of all fees and expenses on a form approved by the Department of Labor;

* Limit investment options to pre-allocated portfolios consisting solely of low cost index funds, passively managed funds, Exchange Traded Funds and Target Retirement Funds (where the underlying funds are index funds);

* Require all participants to take a Risk Capacity Survey to determine the correct pre-allocated portfolio for their investment objectives and tolerance for risk;

* Require all advisors to these plans to be real fiduciaries to the plan and to provide objective investment advice to plan participants.
In recent testimony before Congress on the problems with 401(k) plans, the mutual fund industry was aptly described as the world's largest "skimming operation."

It's time for Congress to put an end to the pigs feeding at the trough.
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