Information only – not investment advice. Not for US persons. Past performance does not predict future returns. Read the disclaimer
Lazy UCITS
For non-US investors · Europe · UK · Switzerland · Singapore · Asia expats

Every simple UCITS ETF model portfolio, side by side.

Lazy UCITS publishes all of its model portfolios openly, from one-fund all-world to three-fund mixes with optional gold, commodities or small-cap sleeves. 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.

1. In general, how long might money like this stay invested before it is needed?

2. Historically, global equity markets have at times fallen 30–50% from peak to trough. How would a fall like that in an investment typically feel?

3. What is the largest temporary loss you would generally tolerate without changing course?

4. Is there a separate emergency cash reserve, so this money would not have to be sold in a downturn?

5. How much experience is there with investments that rise and fall in value?

16 model portfolios

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.

20% equity2 fundsTwo fund

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–
40% equity2 fundsTwo fund

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% equity3 fundsThree fund

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–
55% equity3 fundsAdd-on+ Gold

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–
60% equity1 fundOne fund

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–
60% equity2 fundsTwo fund

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–
60% equity3 fundsThree fund

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–
65% equity3 fundsAdd-on+ Commodities

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–
80% equity1 fundOne fund

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–
80% equity2 fundsTwo fund

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–
80% equity3 fundsThree fund

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% equity3 fundsAdd-on+ Small cap

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–
100% equity1 fundOne fundAccumulating

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–
100% equity1 fundOne fundDistributing

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–
100% equity2 fundsTwo fund

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–
100% equity3 fundsThree fund

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–

How to read this page

  • All portfolios are always published. Filters only hide cards. They never score or rank portfolios for you.
  • 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.
  • 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.
  • 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. Affiliate status never affects this order.

Read the full methodology · Where these ETFs can be bought