Lazy portfolios are designed to perform well in most market conditions.  Most contain a small number of low-cost funds that are easy to rebalance.  They are "lazy" in that the investor can maintain the same asset allocation for an extended period of time, as they generally contain 30-40% bonds, suitable for most pre-retirement investors.

There are a number of popular authors and columnists who have suggested 3 fund lazy portfolios. These typically consist of three equal parts of bonds (total bond market or TIPS), total US market and total international market.

	Bill Shultheis Simple Coffeehouse Portfolio 33% Total Bond Market VBMFX BND 33% Total US Market VTSMX VTI 33% Total Intl Market VGTSX / VFWIX VEU
	Scott Burns "Margaritaville" Portfolio 33% TIPS VIPSX   33% Total US Market VTSMX VTI 33% Total Intl Market VGTSX / VFWIX VEU
	 Andrew Tobias' 3 Fund Portfolio 33% TIPS VIPSX   33% Total US Market VTSMX VTI 33% Total Intl Market VGTSX / VFWIX VEU

See Also:

More Lazy Portfolios

Core Four Portfolio