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William Bernstein's No Brainer Portfolios

ASSET ALLOCATION STRATEGY

William Bernstein proposed a four fund portfolio along with a nine fund portfolio on his own website.

Bernstein believes that investors should stick with index funds with a risk-return profile that they desire, and that properly diversified low cost funds offer you the best chance of long-term success.

William Bernstein’s four fund portfolio consists of the following:

  • 25% in Vanguard 500 Index (VFINX).
  • 25% in Vanguard Small Cap (NAESX) or (VTMSX).
  • 25% in Vanguard Total International (VGTSX) or (VTMGX),
  • 25% in Vanguard Total Bond (VBMFX) or (VBISX).

The other nine fund portfolio consists of the following:

  • 40% in Vanguard Short Term Investment Grade (VFSTX).
  • 15% in Vanguard Total Stock Market (VTSMX).
  • 10% in Vanguard Small Cap Value (VISVX).
  • 10% in Vanguard Value Index (VIVAX).
  • 5% in Vanguard Emerging Markets Stock (VEIEX).
  • 5% in Vanguard European Stock (VEURX).
  • 5% in Vanguard Pacific Stock (VPACX).
  • 5% in Vanguard REIT Index (VGSIX).
  • 5% in Vanguard Small Cap Value (NAESX) or (VTMSX).

Note that the above nine fund portfolio is very different from Bernstein's on his web site. This is a version adopted from Marketwatch.com's lazy portfolio.