Build Andrew Tobias’ Portfolio With ETFs

What is Andrew Tobias’ portfolio?

Andrew Tobias’ portfolio is exposed to 66.6% stocks and 33.3% bonds. It can be built with 3 ETFs.

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What is the historical return of Andrew Tobias portfolio?

Below you can see the historical return of Andrew Tobias’ portfolios.

Portfolio data was last updated on 11th of November 2022, 11:40 ET

NameYear to dateReturn in 202110 year returnCAGR since 1989 (%)STDEVDraw DownExpense ratioYield
The Andrew Tobias Portfolio-17.3213.239.018.0211.85-28.05%0.05%1.48
Portfolio Performance for Andrew Tobias’ Portfolio

How does Andrew Tobias’ portfolio compare to the best portfolios?

Below you can see the returns of the best portfolios that we have benchmarked.

NameSee PortfolioYear to dateReturn in 202110 year returnCAGR since 1989 (%)Draw Down
Premium PortfolioPremium-20.9732.1413.211.81-35.43%
Premium PortfolioPremium-18.728.7816.5211.28-37.63%
Premium PortfolioPremium-19.6425.6716.2911.25-37.00%
Premium PortfolioPremium-23.9913.4911.0311.21-44.87%
Premium PortfolioPremium-12.028.1714.4711.14-35.26%
Premium PortfolioPremium-14.924.7511.8510.99-36.46%
Premium PortfolioPremium-14.7929.0213.1510.99-40.85%
Premium PortfolioPremium-20.620.711.4510.93-37.91%
Premium PortfolioPremium-15.1224.5111.8710.88-36.35%
Premium PortfolioPremium-19.3822.9214.9910.85-32.77%
The 10 Best Performing Portfolios That We Have Benchmarked

How do you build Andrew Tobias’ portfolios with ETFs?

Here is how you build Andrew Tobias’ portfolio

  • 33.33% US Total Stock Market (VTI)
  • 33.33% International Developed (VEA)
  • 33.33% Short-term treasuries (SHY)

Who is Andrew Tobias?

Andrew Tobias is a lot of things. He is the author of 12 books. His most successful and most well-known book is The Only Investment Guide You’ll Ever Need.

The book was first published in 1978 and has been updated ever since. Don’t let the age of the book scare you. It is filled with ages-less wisdom and good money practices. It is also filled with investing tips.

Andrew Tobias - The Only Investment Guide You’ll Ever Need

His writing style is witty and self-deprecating which you can’t help to notice just by visiting his personal website at andrewtobias.com.

Andrew Tobias also served as the Treasurer of the Democratic National Committee for 18 years.

What is the Andrew Tobias portfolio?

The portfolio by Andrew Tobias is much like the 3-fund-portfolio by Taylor Larimore and the bogleheads. The portfolio appears in his book The Only Investment Guide You’ll Ever Need.

The portfolio is split equally among these 3 asset classes:

  • US stocks
  • International stocks
  • Bonds.

It is a conservative portfolio because of the large bond allocation.

Andrew Tobias recommends that you use VTI (total stock market ETF), VEA (international developed ETF), and SHY (short-term treasuries ETF). You are not going to get blow-out returns with this portfolio but you will sleep well – very well.

I couldn’t help to think of JL Collins (see his video) when I read the following in The Only Investment Guide You’ll Ever Need.

Here is an excerpt from Andrew Tobias’ book:

1. Go out for a very nice dinner. 2. Put about a year of normal living expenses someplace liquid, like a bank or money-market fund … 3. … and roughly equal sums into U.S. Treasury securities maturing in one, two, three, and four years. 4. Put the bulk of the remaining money into stock-index funds, split between domestic and foreign investments. 5. Buy a vacation home or bigger house, if you want one—but not so big that the cost of carrying it will in any way strain you. a. Do not buy a boat. 6. Be sure your will is in order. 7. Now relax and forget the whole thing. Review it once a year, mainly to roll over your Treasury securities as they come due. Don’t spend any of the investment principal, but enjoy the extra income it throws off

Andrew Tobias – The Only Investment Guide You’ll Ever Need.

Where can I learn more about Andrew Tobias’ portfolio?

Here is Andrew Tobias in a short interview on what you can do with your finances, and what the greatest money pitfalls are for young people.

 

Here is Andrew Tobias’ website

His book The Only Investment Guide You’ll Ever Need is very good.

Suggestions for your next steps

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Rebalancing lowers your portfolio risk and can increase your returns.