Lots of people are starting to invest in ETFs, and the first question they ask is always: which one is the strongest? But whether you can hold onto a portfolio long-term really depends on how you put it together. Over the past few days, I’ve compiled 10 classic lazy portfolios, with most showing an annualized return of 11%–16% over the past 3 years: - Want peace of mind: 60/40 Stocks/Bonds - Want global diversification: Yale Core Four Assets, Ivy Portfolio - Want lower volatility: Permanent Portfolio - Want a more aggressive approach: S&P 500 + Small-Cap Stocks + International Stocks + Bonds - Want something you can hold long-term: Use low-cost broad-based ETFs as the foundation, then add bonds and gold for cushioning I used to like buying multiple ETFs too, but later realized that holding more doesn’t mean better allocation. What really matters is the role each asset plays in your portfolio: Keep up during the ups, provide a buffer during the downs. Long-term investing doesn’t have to be overly complicated. Finding a portfolio you can stick with and execute consistently already puts you ahead of most people. The portfolios in the image might not suit everyone, but they’re a great starting point for building your own asset framework. Historical backtesting doesn’t guarantee future performance—this is just for sharing investment knowledge.