Two-fund 20/80
20% global equity, 80% global investment-grade bonds (currency-hedged where available).
3.6%CAGR p.a.
5.6%Volatility p.a.
-15.0%Max drawdown
2017-12 – 2026-09 · USD
- 20%All-world equity–
- 80%Global bonds–
Every simple UCITS ETF model portfolio, side by side.
Lazy UCITS publishes all of its model portfolios openly: 16 core portfolios, from one-fund all-world to three-fund mixes with optional gold, commodities or small-cap sleeves, plus 19 specialty portfolios with sector, regional, factor, home-bias, ESG, income, real-estate or all-weather tilts. You filter and sort them by objective criteria. We show historical risk in five base currencies and list every eligible Irish/Luxembourg-domiciled ETF for each building block, ranked by cost and size. We make no recommendation.
Information only, not advice. Nothing on this site says which portfolio or fund suits you. Historical figures are not a forecast. This site is not for US persons (citizens, green-card holders, US tax residents). If you are one, see usexpatbanks.com.
Optional: “What's my risk comfort?” – a 5-question educational exercise General education, not advice
This exercise uses generic textbook questions. It does not know your finances, tax position, goals or obligations, and it does not select or recommend any portfolio or fund. It only maps your answers to a broad equity-percentage range that investor-education materials often associate with answers like yours. It then shows all portfolios in that range. Nothing is stored or sent.
Portfolio typeCore vs specialty
Specialty portfolio: its tilts add concentration and deviate from the global market. It can trail a broad market-cap-weighted portfolio for long periods. Several types can be selected at once.
Statistics are historical, in the selected base currency, over each portfolio's longest common data window (shown on the card), with monthly rebalancing. Windows differ between cards, so for a like-for-like view, open a portfolio and see “Common window”. The ETF named on each card is simply the first in our neutral sort order (lowest TER, then largest fund), with ETFs that have an exchange line in your base currency placed first; the line shown is the one trading in that currency (e.g. SIX in CHF). It is not a pick.
Permanent portfolio (25/25/25/25)
Harry Browne's four equal parts: global equity, long-dated government bonds, gold, and short-term government bonds / cash-like ETFs.
Tilted portfolio: adds concentration and deviates from the global market.
7.7%CAGR p.a.
8.4%Volatility p.a.
-16.7%Max drawdown
2019-03 – 2026-09 · USD
- 25%All-world equity–
- 25%Long govt bonds–
- 25%Gold–
- 25%Govt / short-term–
All-weather (simplified)
A simplified version of the widely published "All Weather" mix: 30% equity, 40% long-dated and 15% shorter government bonds, 7.5% gold and 7.5% broad commodities.
Tilted portfolio: adds concentration and deviates from the global market.
5.8%CAGR p.a.
8.8%Volatility p.a.
-20.5%Max drawdown
2019-03 – 2026-09 · USD
- 30%All-world equity–
- 40%Long govt bonds–
- 15%Govt / short-term–
- 7.5%Gold–
- 7.5%Commodities–
Two-fund 40/60
40% global equity, 60% global investment-grade bonds.
5.6%CAGR p.a.
7.6%Volatility p.a.
-17.1%Max drawdown
2017-12 – 2026-09 · USD
- 40%All-world equity–
- 60%Global bonds–
40/60 with short-term/govt bond buffer
40% global equity, 30% global bonds and 30% government bonds / cash-like ETFs.
6.7%CAGR p.a.
6.9%Volatility p.a.
-13.7%Max drawdown
2019-03 – 2026-09 · USD
- 40%All-world equity–
- 30%Global bonds–
- 30%Govt / short-term–
Golden butterfly (5 × 20%)
Five equal parts: global equity, global small-cap value, long-dated government bonds, short-term government bonds / cash-like ETFs and gold.
Tilted portfolio: adds concentration and deviates from the global market.
9.0%CAGR p.a.
9.6%Volatility p.a.
-15.9%Max drawdown
2019-03 – 2026-09 · USD
- 20%All-world equity–
- 20%Small-cap value–
- 20%Long govt bonds–
- 20%Govt / short-term–
- 20%Gold–
Diversified with real assets
40% global equity and 35% bonds (half inflation-linked), plus 25% in real assets: listed property, gold and broad commodities.
Tilted portfolio: adds concentration and deviates from the global market.
7.7%CAGR p.a.
9.3%Volatility p.a.
-17.6%Max drawdown
2017-12 – 2026-09 · USD
- 40%All-world equity–
- 10%Global real estate–
- 20%Global bonds–
- 15%Inflation-linked bonds–
- 10%Gold–
- 5%Commodities–
Equity/bonds + 10% gold
A 55/35 equity/bond core with a 10% physical gold ETC sleeve.
8.5%CAGR p.a.
9.6%Volatility p.a.
-18.5%Max drawdown
2017-12 – 2026-09 · USD
- 55%All-world equity–
- 35%Global bonds–
- 10%Gold–
One-fund multi-asset 60/40
A single ready-made fund of funds holding about 60% equity and 40% bonds, rebalanced by the issuer.
5.3%CAGR p.a.
11.7%Volatility p.a.
-25.9%Max drawdown
2021-01 – 2026-09 · USD
- 100%Multi-asset–
Two-fund 60/40
The classic 60/40 split between global equity and global bonds.
7.6%CAGR p.a.
9.9%Volatility p.a.
-19.5%Max drawdown
2017-12 – 2026-09 · USD
- 60%All-world equity–
- 40%Global bonds–
High-dividend equity 60/40 (distributing)
60% global high-dividend-yield equity and 40% global bonds, using distributing share classes so income is paid out.
Tilted portfolio: adds concentration and deviates from the global market.
6.2%CAGR p.a.
9.4%Volatility p.a.
-15.8%Max drawdown
2017-12 – 2026-09 · USD
- 60%High-dividend equity–
- 40%Global bonds–
Three-fund 60/40
Developed world + emerging markets + global bonds, 60% equity in total.
7.6%CAGR p.a.
9.8%Volatility p.a.
-19.3%Max drawdown
2017-12 – 2026-09 · USD
- 52%Developed world–
- 8%Emerging markets–
- 40%Global bonds–
Equity/bonds + 10% broad commodities
A 65/25 equity/bond core with a 10% broad-commodities (swap-based) sleeve.
9.0%CAGR p.a.
11.0%Volatility p.a.
-18.4%Max drawdown
2017-12 – 2026-09 · USD
- 65%All-world equity–
- 25%Global bonds–
- 10%Commodities–
One-fund multi-asset 80/20
A single ready-made fund of funds holding about 80% equity and 20% bonds, rebalanced by the issuer.
8.6%CAGR p.a.
12.6%Volatility p.a.
-24.6%Max drawdown
2021-01 – 2026-09 · USD
- 100%Multi-asset–
Two-fund 80/20
80% global equity, 20% global investment-grade bonds.
9.6%CAGR p.a.
12.4%Volatility p.a.
-21.9%Max drawdown
2017-12 – 2026-09 · USD
- 80%All-world equity–
- 20%Global bonds–
Three-fund 80/20
Developed world + emerging markets + global bonds, 80% equity in total.
9.6%CAGR p.a.
12.2%Volatility p.a.
-21.6%Max drawdown
2017-12 – 2026-09 · USD
- 70%Developed world–
- 10%Emerging markets–
- 20%Global bonds–
80/20 with small-cap tilt
80% equity, of which 15 points are developed-world small caps, plus 20% global bonds.
9.1%CAGR p.a.
12.8%Volatility p.a.
-22.1%Max drawdown
2017-12 – 2026-09 · USD
- 65%All-world equity–
- 15%Small cap–
- 20%Global bonds–
One-fund all-world (accumulating)
A single global equity ETF covering developed and emerging markets. Dividends are reinvested inside the fund.
11.0%CAGR p.a.
13.4%Volatility p.a.
-24.3%Max drawdown
2011-11 – 2026-09 · USD
- 100%All-world equity–
One-fund all-world (distributing)
The same single global equity exposure, using share classes that pay dividends out in cash.
11.0%CAGR p.a.
13.4%Volatility p.a.
-24.3%Max drawdown
2011-11 – 2026-09 · USD
- 100%All-world equity–
Developed world + EM 100/0
All equity, built from a developed-world ETF plus an emerging-markets ETF at roughly market-cap weights.
11.8%CAGR p.a.
13.1%Volatility p.a.
-23.9%Max drawdown
2012-06 – 2026-09 · USD
- 88%Developed world–
- 12%Emerging markets–
All-world + 20% tech sector
80% global equity plus a 20% world information-technology sector ETF. Tech is already a large part of the global index; this raises it further.
Tilted portfolio: adds concentration and deviates from the global market.
14.8%CAGR p.a.
14.7%Volatility p.a.
-26.1%Max drawdown
2016-05 – 2026-09 · USD
- 80%All-world equity–
- 20%Tech sector–
All-world + 20% health care
80% global equity plus a 20% world health-care sector ETF.
Tilted portfolio: adds concentration and deviates from the global market.
11.8%CAGR p.a.
13.1%Volatility p.a.
-22.4%Max drawdown
2016-05 – 2026-09 · USD
- 80%All-world equity–
- 20%Health-care sector–
Developed world + 30% emerging markets
All equity, with emerging markets at 30%, roughly three times their weight in a global index.
Tilted portfolio: adds concentration and deviates from the global market.
10.7%CAGR p.a.
13.0%Volatility p.a.
-23.7%Max drawdown
2012-06 – 2026-09 · USD
- 70%Developed world–
- 30%Emerging markets–
All-world + 30% Europe
70% global equity plus 30% developed-Europe equity, which lowers the US share of the portfolio.
Tilted portfolio: adds concentration and deviates from the global market.
10.1%CAGR p.a.
13.7%Volatility p.a.
-25.5%Max drawdown
2011-11 – 2026-09 · USD
- 70%All-world equity–
- 30%Europe equity–
All-world + 30% value
70% global equity plus 30% in a world value-factor ETF (companies that look cheap on price ratios).
Tilted portfolio: adds concentration and deviates from the global market.
10.6%CAGR p.a.
14.2%Volatility p.a.
-23.4%Max drawdown
2014-11 – 2026-09 · USD
- 70%All-world equity–
- 30%Value factor–
All-world + 20% Nasdaq-100
80% global equity plus 20% in the Nasdaq-100: large US companies, heavy in technology. There is no broad world-growth UCITS ETF in our list, so this is a US growth-heavy tilt.
Tilted portfolio: adds concentration and deviates from the global market.
12.7%CAGR p.a.
13.8%Volatility p.a.
-25.6%Max drawdown
2011-11 – 2026-09 · USD
- 80%All-world equity–
- 20%Nasdaq-100–
All-world + 50% minimum volatility
All equity, half of it in a world minimum-volatility ETF that holds stocks with lower past price swings.
Tilted portfolio: adds concentration and deviates from the global market.
9.8%CAGR p.a.
11.1%Volatility p.a.
-20.6%Max drawdown
2012-12 – 2026-09 · USD
- 50%All-world equity–
- 50%Minimum volatility–
All-world + 20% small-cap value
80% global equity plus 20% global small-cap value. The only UCITS ETF in our list for this block is actively managed (Avantis).
Tilted portfolio: adds concentration and deviates from the global market.
10.5%CAGR p.a.
14.9%Volatility p.a.
-24.0%Max drawdown
2015-03 – 2026-09 · USD
- 80%All-world equity–
- 20%Small-cap value–
Swiss home bias (30% Switzerland)
70% global equity plus 30% Swiss equity. Switzerland is about 2% of a global index.
Tilted portfolio: adds concentration and deviates from the global market.
10.3%CAGR p.a.
12.9%Volatility p.a.
-24.4%Max drawdown
2011-11 – 2026-09 · USD
- 70%All-world equity–
- 30%Swiss equity–
UK home bias (25% FTSE 100)
75% global equity plus 25% UK large caps (FTSE 100). The UK is about 3% of a global index.
Tilted portfolio: adds concentration and deviates from the global market.
9.0%CAGR p.a.
13.4%Volatility p.a.
-23.7%Max drawdown
2011-11 – 2026-09 · USD
- 75%All-world equity–
- 25%UK equity–
Eurozone home bias (30% eurozone)
70% global equity plus 30% eurozone equity.
Tilted portfolio: adds concentration and deviates from the global market.
10.3%CAGR p.a.
14.3%Volatility p.a.
-26.8%Max drawdown
2011-11 – 2026-09 · USD
- 70%All-world equity–
- 30%Eurozone equity–
SRI-screened world + EM 100/0
All equity, using MSCI SRI-screened indices for developed and emerging markets. The screens exclude many companies, so sector and country weights differ from the market.
Tilted portfolio: adds concentration and deviates from the global market.
10.7%CAGR p.a.
15.6%Volatility p.a.
-26.4%Max drawdown
2017-11 – 2026-09 · USD
- 88%World SRI–
- 12%EM SRI–
All-world + 15% global real estate
All equity, with 15% in listed developed-market property (REITs). Listed property is about 2–3% of a global equity index.
Tilted portfolio: adds concentration and deviates from the global market.
10.0%CAGR p.a.
13.2%Volatility p.a.
-24.9%Max drawdown
2011-11 – 2026-09 · USD
- 85%All-world equity–
- 15%Global real estate–
Regional equity 100/0 (US + Europe + EM)
All equity, split by region. Note: no Japan/Pacific developed markets, so it is not a full global market portfolio.
12.3%CAGR p.a.
13.0%Volatility p.a.
-24.0%Max drawdown
2012-06 – 2026-09 · USD
- 60%US equity–
- 25%Europe equity–
- 15%Emerging markets–
Multi-factor: value + quality + momentum
40% global equity plus equal 20% sleeves in world value, quality and momentum factor ETFs.
Tilted portfolio: adds concentration and deviates from the global market.
11.4%CAGR p.a.
13.9%Volatility p.a.
-24.5%Max drawdown
2014-11 – 2026-09 · USD
- 40%All-world equity–
- 20%Value factor–
- 20%Quality factor–
- 20%Momentum factor–
No portfolio matches these filters.
Try widening the equity range, setting issuer to “All”, or ticking “Show portfolios with no matching ETF”.
How to read this page
- All portfolios are always published. Filters only hide cards. They never score or rank portfolios for you.
- Portfolio type. The page opens on the 16 core portfolios: broad, market-cap-weighted mixes of global equity and bonds. Specialty portfolios (19) add a deliberate tilt, such as a sector, a region or home market, a factor, ESG screens, dividend income, real estate or an all-weather mix of bonds and gold. Tilts add concentration and deviate from the global market. Choose All or one or more types to see them. The type filter works together with base currency and exchange (e.g.
?type=all-weather,real-estate&base=CHF&ex=SIX). See core vs specialty. - Equity share is the simplest objective measure of how much a mix has historically swung in value. More equity has meant higher long-run returns and deeper falls.
- Returns over / Show returns in recompute every card for a fixed recent period (ending at the last month-end) and in the currency you measure in. Each portfolio page also has a custom from/to month picker. Figures are simulated from proxy ETFs, before costs and taxes; see the methodology.
- Base currency changes the statistics (currency moves matter), which bond share classes count as “hedged to base”, and which exchange line of each ETF is shown (the fund itself is the same). Base vs fund vs trading currency.
- Where do you trade? picks a home exchange. Each building block then only lists ETFs with a trading line on that exchange, showing that line's ticker and trading currency. A badge on each card says whether the portfolio can be fully built there, only with USD-hedged bonds in place of a missing base-currency-hedged class, partly, or not at all, and names the missing building block. Exchange data comes from the venues' own lists and issuer listing tables; see sources and caveats.
- ETF options for each building block are listed on the portfolio page in a neutral order: lowest TER first, then larger fund size, then longer track record. No fund or broker pays for placement, and nothing paid affects this order.