Lazy Portfolio Advice Recommended Model Portfolios
(Revised 10/21/2014)

Permanent Portfolio Fund
The mutual fund below has a $1,000 minimum to open.
Reinvest dividends, and capital gains back into the fund.
This model Lazy Portfolio will take $1,000 to start.
This Lazy Portfolio is recommended for portfolios $1,000 to $12,000 in size.
Excel spreadsheet of Lazy Portfolios and their performance track records.
Permanent Portfolio Fund PRPFX 100%


Lazy Portfolio Advice Proposed Vanguard Starter Lazy Portfolio
Each mutual fund below has a $3,000 minimum to open.
Sweep the interest, dividends, and capital gains from the other mutual funds into VMMXX
to simplify income tax preparation and rebalancing.
Rebalance back to default allocations on May 1st and Nov 1st of each year.
This model Lazy Portfolio will take $12,000 to start.
This Lazy Portfolio is recommended for portfolios $12,000 to $33,000 in size.
Excel spreadsheet of Lazy Portfolios and their performance track records.
Vanguard Prime Money Market VMMXX 25%
Vanguard REIT Index VGSIX 25%
Vanguard Energy Fund Investor VGENX 25%
Vanguard Total World Stock VTWSX 25%


Lazy Portfolio Advice Proposed Vanguard High Powered Starter Lazy Portfolio
Each mutual fund below has a $3,000 minimum to open.
Sweep the interest, dividends, and capital gains from the other mutual funds into VMMXX
to simplify income tax preparation and rebalancing.
Keep a constant balance of at least $3000 in VMMXX.
Rebalance back to default allocations on May 1st and Nov 1st of each year.
This Lazy Portfolio is recommended for portfolios $33,000 to $63,000 in size.
Excel spreadsheet of Lazy Portfolios and their performance track records.
Vanguard Prime Money Market VMMXX $3000
Vanguard Inflation-Protected Securities VIPSX 10%
Vanguard GNMA Bonds VFIIX 10%
Vanguard Total International Bond Fund VTIBX 20%
Vanguard Small Cap Index NAESX 10%
Vanguard Small Cap Value VISVX 10%
Vanguard International Value VTRIX 10%
Vanguard Emerging Market Index VEIEX 10%
Vanguard REIT Index VGSIX 10%
Vanguard Energy Fund Investor VGENX 10%
For those of you in a high income tax bracket, consider substituting VWITX
(Vanguard Intermediate Term Tax-Exempt Fund) for VFIIX (Vanguard GNMA Bonds) in
taxable investment accounts. But first talk to your tax accountant to see if this switch makes sense for you.


Lazy Portfolio Advice Proposed Vanguard High Powered Putting Money In Lazy Portfolio
Each mutual fund below has a $3,000 minimum to open.
Sweep the interest, dividends, and capital gains from the other mutual funds into VMMXX
to simplify income tax preparation and rebalancing.
Keep a constant balance of at least $3000 in VMMXX.
Rebalance back to default allocations on May 1st and Nov 1st of each year.
This model Lazy Portfolio will take $63,000 to start.
Excel spreadsheet of Lazy Portfolios and their performance track records.
Vanguard Prime Money Market VMMXX $3000
Vanguard Inflation-Protected Securities VIPSX 10%
Vanguard GNMA Bonds VFIIX 10%
Vanguard Total International Bond Fund VTIBX 20%
Vanguard Small Cap Index NAESX 10%
Vanguard Small Cap Value VISVX 10%
Vanguard International Value VTRIX 10%
Vanguard Emerging Market Index VEIEX 10%
Vanguard REIT Index VGSIX 5%
Vanguard Global ex-U.S. Real Estate Index Fund VGXRX 5%
Vanguard Energy Fund Investor VGENX 10%
For those of you in a high income tax bracket, consider substituting VWITX
(Vanguard Intermediate Term Tax-Exempt Fund) for VFIIX (Vanguard GNMA Bonds) in
taxable investment accounts. But first talk to your tax accountant to see if this switch makes sense for you.