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What is Carl Richards' One-Page Financial Plan portfolio?
Carl Richards' One-Page Financial Plan portfolio is designed by financial expert Carl Richards. It can be built with just a few ETFs. Carl Richards' One-Page Financial Plan portfolio contains asset classes such as stocks and bonds.
Article contents
How do you build Carl Richards' One-Page Financial Plan portfolio with ETFs?
Here is how you build Carl Richards' One-Page Financial Plan portfolios with ETFs.
This is the asset allocation for the Carl Richards' One-Page Financial Plan portfolio.
- 36.00% Total Stock Market (VTI)
- 24.00% Total International Stocks (VEA)
- 40.00% Total Bond Market (BND)
What is the historical return of the Carl Richards' One-Page Financial Plan portfolios?
Portfolio data was last updated on 2nd of March 2023, 03:22 ET
| Name | Year to date | Return in 2022 | 10 year return | CAGR since 1989 (%) | Draw Down | Expense ratio | Yield |
|---|---|---|---|---|---|---|---|
| Carl Richards One-Page Financial Plan Portfolio | 2.43 | -16.01 | 5.91 | 7.31 | -21.84 | 0.05 | 2.32 |
Here is what the table is showing you
Year to date: This shows what the portfolio has returned this year starting from the first trading day of the year.
10 Year return: This shows the compounded annualized growth rate over a ten-year period. The current year is excluded from calculations.
CAGR since 1989: This shows the compounded annualized growth rate since 1989. The current year is excluded from calculations.
Expense ratio: This shows the cost of holding the portfolio if you were to construct the portfolio using the proposed ETFs.
Yield: This is the expected dividend yield of the portfolio.
Please note that past performance is not a guarantee of future returns.
How does Carl Richards' One-Page Financial Plan portfolio compare to the best portfolios?
Below you can see the returns of the best portfolios that we have benchmarked.
| Name | See Portfolio | Year to date | Return in 2022 | 10 year return | CAGR since 1989 (%) | Draw Down |
|---|---|---|---|---|---|---|
| Premium Portfolio |  | 1.1 | -18.03 | 9.46 | 10.8 | -35.42 |
| Premium Portfolio | | 5.59 | -11.98 | 11.25 | 10.38 | -35.26 |
| Premium Portfolio | | 3.65 | -18.19 | 12.52 | 10.28 | -37.63 |
| Premium Portfolio | | 8.92 | -13.08 | 8.28 | 10.2 | -36.46 |
| Premium Portfolio | | 3.55 | -18.75 | 7.0 | 10.19 | -44.88 |
| Premium Portfolio | | 5.04 | -19.51 | 12.08 | 10.19 | -37.0 |
| Premium Portfolio | | 4.67 | -13.91 | 9.7 | 10.16 | -40.85 |
| Premium Portfolio | | 8.46 | -13.22 | 8.31 | 10.08 | -36.35 |
| Premium Portfolio | | 4.85 | -16.94 | 7.59 | 9.99 | -37.91 |
| Premium Portfolio | | 4.43 | -18.87 | 11.03 | 9.84 | -32.78 |
Who is Carl Richards?
Carl Richards is a Certified Financial Planner and a columnist with the New York Times where he made sketches of financial concepts.
Carl Richards is the author of the excellent book, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money.
The book lays out in simple terms how to structure your financial life. It’s wonderful and Carl Richards’s illustrations spice up his message.
The One-Page Financial Plan: A Simple Way to Be Smart About Your Money
Carl Richards' other book is his book is The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money where he explains many psycholocial biases that make us do dumb things with our money
The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money
What is special about Carl Richards' One-Page Financial Plan portfolio?
Carl Richards proposes in his book The One-Page Financial Plan: A Simple Way to Be Smart About Your Money this asset class portfolio.
He provides his reasoning by showing several portfolios each with varying degrees of drawdown.
His recommendation is to build a portfolio that consists of 60% stocks and 40% bonds.
In many respects, Carl Richards' portfolio resembles a The Three-Fund portfolio.
What is the asset allocation of Carl Richards' portfolios?
Here is how you Carl Richards' One-Page Financial Plan portfolio.
Carl Richards' One-Page Financial Plan Portfolio
- 36.00% Total Stock Market (VTI)
- 24.00% Total International Stocks (VEA)
- 40.00% Total Bond Market (BND)
Where can I learn more about Carl Richards?
Carl Richards website
Carl Richards has a podcast called Behavior Gap Radio
His two books are Carl Richards is the author of the excellent book, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money.
Sketch by Carl Richards - one of over 800 that he has done!
Suggestions for your next steps
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You stand to gain thousands more dollars EACH YEAR for the price of a few months of Netflix.
If you have already committed to a portfolio – good for you! If you need help maintaining the portfolio you will find our rebalance worksheet useful.
Rebalancing your portfolio lowers your risk and may provide higher returns in the long run. It is completely FREE.
You can find the rebalance worksheet in our article Here Is The Most Easy To Use Portfolio Rebalance Tool.
Rebalancing lowers your portfolio risk and can increase your returns.
Related questions
What is the name of William Bernstein’s website?
William Bernstein’s website is the Efficient Frontier.
