ETF Portfolio - Yale Lazy Man

MarketWatch has added another ETF portfolio. The "Yale Lazy Portfolio" was created by David Swensen. He is the portfolio manager for the Yale University endowment fund which has returned over 16% for the past 20 years. He is also the author of "Unconventional Success"

Allocation	Fund	Symbol
30%	Total Market Index	VTSMX
20%	Total InternationalStock Index	VGTSX
20%	REIT Index	VGSIX
15%	U.S. Treasury Bond Index	VFISX
15%	TIPS: Inflation Protected Securities	VIPSX

• One-year return of 16% vs. S&P 500 return of 11.5%
• 3-year return of 16% vs. S&P 500 return of 13%
• 5-year return of 6.4% vs. S&P 500 return of -3%
• 20-year return of 16%

ETF Portfolio - Margarita

Here is another ETF portfolio from MarketWatch. This one is called the "Margarita Portfolio", due to it's three equal parts. This one is also from Scott Burns who created the "Couch Potatoe Portfolio".

Allocation	Fund	Symbol
33%	Total Stock Market Index	VTSMX
33%	Total International Stock Index	VGTSX
33%	Inflation Protected Securities Fund	VIPSX

• One-year return of 12.75% vs. the S&P 500 return of 8.4%
• 3-year return of 10% vs. the S&P 500 return of 6%

ETF Portfolio - Couch Potato

MarketWatch has another article about an ETF portfolio. This one was created by Scott Burns. Scott Burns is one of America's top financial columnists who is nationally syndicated with the Dallas Morning News. He is a co-author of the best-selling "The Coming Generational Storm", the definitive work on the social security and medicare deficits.

Allocation	Fund	Symbol
50%	S&P 500 Index	VFINX
50%	Total Bond Fund Index	VBMFX

ETF Portfolio - Lazy Man

MarketWatch’s top ETF portfolio for 2004 was Ted Aronson’s "Lazy Man’s Portfolio". Ted Aronson is the head of AJO Partners. AJO Partners manages about $20 billion of institutional tax-exempt retirement funds. TheStreet.com named him "the world’s most honest money manger." He served as the Chairman of the Board of Governors of the Association of Investment Management and Research, the leading professional organization for money managers.

Allocation	Fund	Symbol
5%	Wilshire 5000	VTSMX
15%	S&P 500	VFINX
10%	Wilshire 4500 Mid-Cap / Small-Cap	VEXMX
5%	MSCI US Small-Cap Growth	VISGX
5%	MSCI US Small-Cap Value	VISVX
15%	Emerging Markets	VEIEX
10%	Pacific Stock Index	VPACX
5%	European Stock Index	VEURX
10%	TIPS: Inflation-Protected Securities	VIPSX
10%	High-Yield Corporate	VWEHX
10%	Long-Term Treasury	VUSTX

Why?

• 2003 return of 30%
• 2004 return of 15%
• Passive, well-diversified asset-allocation with no rebalancing

ETF Portfolio - No-Brainer

Another of MarketWatch's ETF portfolios. Bill Bernstein is a financial adviser, SmartMoney columnist, author of the Intelligent Assett Allocator, and a practicing neurologist. He is also the creator of the "No-Brainer Portfolio".

Allocation	Fund	Symbol
25%	S&P 500 Index Fund	VFINX
25%	Small Cap Index Fund	NAESX
25%	European Stock Index Fund	VEURX
25%	Total Bond Market Index Fund	VBMFX

Why?

• 14% return last year
• has beaten 90% of professional money managers over past 10 and 20 years with less risk
• return of 3.52% over the past 5 years
• return of 9.15% over the past 10 years
• return of 10.29% over the past 15 years
• return of 11.69% over the past 20 years

ETF Portfolio - Coffeehouse

MarketWatch offers articles on different types of exchange traded fund portfolios. Here is information on Bill Schultheis's Coffeehouse Portfolio from an article in January. Bill Schultheis was a Salomon Smith Barney broker, and author of "The Coffeehouse Investor".

Allocation	Fund	Symbol
40%	Total Bond Market Index	VBMFX
10%	S&P 500 Index	VFINX
10%	Large-Cap Value Index	VIVAX
10%	Small-Cap Index	NAESX
10%	Small-Cap Value Index	VISVX
10%	Total International Stock Index	VGTSX
10%	REIT Index	VGSIX

Why?

• has beaten the S&P 500 4 of the last 5 years
• missed 40% during internet boom, but made 15% annually over S&P 500 from 2000-2002
• hasn't had to be reallocated in last 5 years
• back-tested 10 years showing a 10.8% return
• from January 2000 to January 2005 has shown a 38% return vs -13% return for the S&P 500

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