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Tickers in this Article: AGG, BND, EMM, GLD, JNK, LQD, SPY, TLT, VTI, VWO
Exchange-traded products have found their way into countless portfolios as investors of all walks have embraced these financial instruments for their ease-of-use, cost-efficiency, and unparalleled transparency. Institutional and self-directed money managers alike have taken advantage of ETFs as they offer instant diversification along with the ability to easily tap into virtually any asset class around the globe; with over 1,400 products on the market, there is an ETF for almost everything imaginable, spanning from gold funds to emerging markets small caps to international bonds and everything in between . 

A recent WSJ article by Anna Prior highlights the sheer diversity among products in the ETF universe and how investors can actually build fairly complete portfolios with just a few funds. In the spirit of simplicity, below we outline 25 All-ETF portfolios, each comprised of just three funds in total; please note that investors should adjust the suggested allocations within each of the strategies to better suite their individual risk preferences and current income needs.

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25. Global Stocks & Bonds

This strategy spans the entire globe, covering both equity and fixed income asset classes from both developed and emerging markets:

TickerETFAllocation
VTITotal Stock Market ETF50%
VEUFTSE All World Ex US ETF30%
FWDBMadrona Forward Global Bond ETF20%
Portfolio Expense Ratio0.26%

24. U.S. Total Market

This strategy is geared towards investors who are wary of international markets and would prefer to get foreign exposure tangentially through U.S. companies with overseas operations; a small bond component is also included to add diversification:

TickerETFAllocation
RSPS&P Equal Weight ETF40%
SCHAU.S. Small-Cap ETF40%
BNDTotal Bond Market ETF20%
Portfolio Expense Ratio0.22%

23. Foreign Growth

This portfolio is not for the risk-averse as it focuses entirely on foreign developed and emerging markets equity funds along with an ex-U.S. bond component:

TickerETFAllocation
SCHFInternational Equity ETF60%
DGSEmerging Market SmallCap Fund20%
BWXSPDR Barclays Intl Treasury Bond20%
Portfolio Expense Ratio0.28%

22. Low Volatility

Anyone with capital preservation as a top priority ought to consider this “safer” equity-centric strategy:

TickerETFAllocation
SPLVS&P 500 Low Volatility Portfolio50%
EFAVMSCI EAFE Minimum Volatility ETF30%
EEMVMSCI Emerging Markets Minimum Volatility ETF20%
Portfolio Expense Ratio0.24%

21. Ex-Financials

This is another strategy geared towards more risk-averse investors who wish to entirely steer clear of the infamous financials sector:

TickerETFAllocation
DTNDividend ex-Financials Fund50%
DOOInternational Dividend ex-Financials Fund25%
ENGNIndustrials Bond ETF25%
Portfolio Expense Ratio0.41%

20. U.S. Dollar-Denominated

This strategy offers international stock and bond exposure while at the same time circumventing the inherent currency risk by utilizing U.S. dollar-denominated funds:

TickerETFAllocation
DBEFMSCI EAFE Hedged Equity Fund60%
DBEMMSCI Emerging Markets Hedged Equity Fund20%
EMBJ.P. Morgan USD Emerging Markets Bond ETF20%
Portfolio Expense Ratio0.47%

 19. BRIC Bull

The name says it all, this strategy delivers targeted exposure to the BRIC markets:

TickerETFAllocation
EWZMSCI Brazil Capped ETF25%
RSXMarket Vectors Russia ETF25%
FNIISE Chindia Index Fund50%
Portfolio Expense Ratio0.61%

18. Ex-Europe

Investors looking to steer clear of the debt-burdened currency bloc, but still wish to maintain international exposure, ought to consider this strategy:

TickerETFAllocation
SCHBU.S. Broad Market ETF50%
VPLFTSE Pacific ETF30%
ILFLatin America 40 ETF20%
Portfolio Expense Ratio0.16%

17. Cyclical-Tilt

This strategy focuses on the most cyclical sectors, and as such, should appeal to bullish investors with a stomach for volatility:

TickerETFAllocation
IPWSPDR S&P International Energy Sector ETF40%
IPKSPDR S&P International Technology Sector ETF40%
BJKMarket Vectors Gaming ETF20%
Portfolio Expense Ratio0.53%

16. Global Consumers

As a complement to the Cyclical-Tilt Portfolio, this strategy is based around consumer staples exposure across the entire globe, covering both developed and emerging markets; the bond component is heavily tilted towards consumer staples as well:

TickerETFAllocation
KXIGlobal Consumer Staples ETF50%
ECONEmerging Markets Consumer25%
ENGNIndustrials Bond ETF25%
Portfolio Expense Ratio0.53%

15. Commodity Bull

This strategy is intended for those with a bullish outlook on the global economy and is balanced between commodity stocks and futures-based exposure to natural resource prices:

TickerETFAllocation
HAPMarket Vectors Hard Assets Producers ETF40%
MOOMarket Vectors Agribusiness ETF40%
RJIRogers International Commodity ETN20%
Portfolio Expense Ratio0.56%

14. ex-Japan

It’s no secret that Asian markets are going to account for a growing share of global GDP growth over the coming years; however, Japan has long been stuck in rut, and as such, this strategy entirely avoids exposure to this developed market in an otherwise booming region:

TickerETFAllocation
AAXJMSCI All Country Asia ex Japan Index Fund50%
GMFSPDR S&P Emerging Asia Pacific ETF30%
AUNZAustralia & New Zealand Debt Fund20%
Portfolio Expense Ratio0.60%

13. Warren Buffett Clone

This strategy revolves around the investment principles embraced by the Wall Street legend:

TickerETFAllocation
MOATMarket Vectors Wide Moat Research ETF40%
VIGDividend Appreciation ETF40%
EESSmallCap Earnings Fund20%
Portfolio Expense Ratio0.31%

12. Monthly Income

This strategy should appeal to conservative investors or those nearing retirement and in search of meaningful current income; each of the components here pays out a monthly dividend:

TickerETFAllocation
SDIVSuperDividend ETF40%
KBWDKBW High Dividend Yield Financial Portfolio30%
BNDTotal Bond Market ETF30%
Portfolio Expense Ratio0.37%

11. Emerging Markets Fever

This portfolio is intended for aggressive, long-term investors who wish to tap into the world’s fastest growing economies:

TickerETFAllocation
VWOEmerging Markets ETF50%
EWXSPDR S&P Emerging Markets Small Cap ETF25%
FMMSCI Frontier 100 Index Fund25%
Portfolio Expense Ratio0.45%

10. Commodity Countries

This strategy offers tangential exposure to commodity markets by focusing on the world’s largest producers of natural resources:

TickerETFAllocation
ABCSABC High Dividend ETF40%
GUNRMorningstar Global Upstream Natural Resources Index Fund40%
CCXDreyfus Commodity Currency Fund20%
Portfolio Expense Ratio0.56%

9. Ultra-Cheap

The name says it all, this is a traditional stock-bond portfolio with the distinguishing feature being its rock-bottom expense ratio:

TickerETFAllocation
SCHBU.S. Broad Market ETF50%
VEAEurope Pacific30%
SCHZU.S. Aggregate Bond ETF20%
Portfolio Expense Ratio0.07%

8. Hedge Fund Clone

For anyone looking to replicate the strategies of professional money managers, this is a great starting point:

TickerETFAllocation
MCROIQ Hedge Macro Tracker ETF35%
LSCS&P CTI ETN35%
WDTIManaged Futures Strategy Fund30%
Portfolio Expense Ratio0.81%

7. Retirement-Ready

Unlike most of the other strategies covered here, this portfolio is bond-heavy and geared towards very conservative investors who wish to preserve capital and generate a steady stream of income:

TickerETFAllocation
VIGDividend Appreciation ETF20%
BNDTotal Bond Market ETF60%
TIPTIPS Bond ETF20%
Portfolio Expense Ratio0.12%

6. Growth-Tilt

This strategy is geared towards aggressive investors with a very long-term horizon in mind:

TickerETFAllocation
IWZRussell 3000 Growth ETF50%
EFGMSCI EAFE Growth ETF30%
EGRWMSCI Emerging Markets Growth Index Fund20%
Portfolio Expense Ratio0.34%

5. Storm Proof

This strategy looks to weather all economic environments by holding onto three asset classes that have historically generated stable returns over the long-haul:

TickerETFAllocation
XLPConsumer Staples Select Sector SPDR50%
PLW1-30 Treasury Ladder Portfolio30%
DBPDB Precious Metals Fund20%
Portfolio Expense Ratio0.32%

4. All About Dividends

With interest rates still stuck at historically low levels, this strategy should appeal to anyone looking to generate meaningful current income:

TickerETFAllocation
LVLS&P Global Dividend Opportunities Index ETF60%
HYGiBoxx $ High Yield Corporate Bond ETF25%
EMHYEmerging Markets High Yield Bond Fund15%
Portfolio Expense Ratio0.58%

3. Tax Escape

This strategy is intended for investors that fall in the high-income tax bracket, and as such, it avoids dividend-paying securities; the bond component is also made up entirely of municipal debt, which is tax-exempt:

TickerETFAllocation
IWFRussell 1000 Growth ETF50%
VBKSmall-Cap Growth ETF20%
MUBNational AMT-Free Muni Bond ETF30%
Portfolio Expense Ratio0.20%

2. Big Bear

Anyone looking to go against the bull trend should consider this strategy; however, note that the holdings here are intended to serve as complements to a traditional long-only portfolio:

TickerETFAllocation
DEFDefensive Equity ETF50%
HDGEActive Bear ETF30%
UUPDB USD Index Bullish20%
Portfolio Expense Ratio0.96%

1. All Abroad

Since most investors’ portfolios tend to have a glaring home-country bias, this strategy looks to avoid direct exposure to U.S. stocks and bonds:

TickerETFAllocation
VEUFTSE All World Ex US ETF65%
IGOVS&P/Citigroup International Treasury Fund20%
ELDEmerging Markets Local Debt Fund15%
Portfolio Expense Ratio0.25%
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Disclosure: No positions at time of writing.

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