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FactorModerate risk

Larry Swedroe Portfolio (30/70)

Larry Swedroe

In brief

A conservative allocation that seeks higher expected equity returns from a concentrated small-value sleeve.

Profile sources: Portfolio ChartsOptimized Portfolio

Published
Last reviewed

At a glance

3 asset sleeves

Review annually and rebalance when allocations drift materially.

Growth assets

0%

Bonds & reserves

70%

Other diversifiers

30%

Target allocation

What the portfolio holds

U.S. small-cap value

AVUV

15%

International small-cap value

AVDV

15%

Intermediate Treasuries

VGIT

70%

Tickers are liquid U.S.-listed examples, not recommendations or exact historical fund selections.

Allocation sources: Portfolio ChartsOptimized Portfolio

Decision context

Potential advantages and trade-offs

These observations follow from the displayed allocation and implementation. They are not a recommendation or a prediction of future performance.

Potential advantages

  • Uses only 3 sleeves, which makes the displayed target allocation straightforward to understand and maintain.
  • Combines growth assets with bonds or reserves instead of depending on one broad asset class.
  • Includes non-U.S. exposure, reducing exclusive dependence on one national market.
  • Makes its factor tilts explicit rather than hiding them inside a broad-market allocation.

Important trade-offs

  • The largest sleeve is 70% of the portfolio, so its behavior can dominate the result.
  • Factor tilts can lag broad markets for long periods and require tolerance for persistent tracking error.
  • Representative ETF results can differ from the originator's indexes, funds, taxes, fees, and execution.

Portfolio Visualizer

Compare historical performance

Backtest this allocation beside two familiar U.S. equity benchmarks. The comparison starts with $10,000, reinvests dividends, and rebalances annually.

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Growth of $10,000

Monthly total returns · maximum available history

PortfolioSPYQQQ
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3 holdings

Portfolio 1

Larry Swedroe Portfolio (30/70)

Target allocation from this profile

100%

Portfolio 2

S&P 500

SPY benchmark

100%

Portfolio 3

Nasdaq-100

QQQ benchmark

Portfolio Visualizer opens in a new tab because its site does not support embedded frames. Results begin at the latest common inception date for the selected funds.

Sources and context

Target allocations are educational examples, not personalized advice. Fund availability, taxes, trading costs, account type, time horizon, and capacity for loss can all change the appropriate implementation. Historical diversification does not guarantee future results.

Sources document the strategy, underlying methodology, or the representative funds used here. ETF tickers are illustrative U.S.-listed implementations and may differ from an originator’s original funds or current model.