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The Paul Merriman Ultimate Buy and Hold Portfolio specifies very specific market segments based on historical outperformance. Here we’ll take a look at its components, performance, and the best ETFs to use in its implementation.
// TIMESTAMPS:
00:00 - Intro
00:13 - Who Is Paul Merriman?
00:52 - What Is the Ultimate Buy and Hold Portfolio?
04:23 - Performance
05:07 - How To Build with ETFs
06:12 - 80/20 and Long Bonds
07:00 - 100% Stocks
08:06 - Outro
// SUMMARY:
The Ultimate Buy and Hold Portfolio is a lazy portfolio designed by Paul Merriman for the "ultimate" buy-and-hold investing strategy.
Merriman looked historically at the very specific market segments that had the greatest and most consistent historical outperformance across stocks of all cap sizes globally. Specifically, he maintains that the term “ultimate” must describe a portfolio that has consistently outperformed the S&P 500 with no additional risk.
Consistent with investing wisdom of a 60/40 portfolio being the “center of gravity” between risk and return, the Ultimate Buy and Hold Portfolio allocates 60% to stocks and 40% to bonds. However, Merriman acknowledges that this asset allocation may not be appropriate for everyone, and suggests that investors should choose their own allocation based on their own personal risk tolerance.
The Paul Merriman Ultimate Buy and Hold Portfolio asset allocation is as follows:
6% U.S. Total Stock Market
6% U.S. Large Cap Value
6% U.S. Small Cap Stocks
6% U.S. Small Cap Value
6% U.S. REITs
6% International Developed Markets Stocks
6% International Value
6% International Small Cap Stocks
6% International Small Cap Value
6% Emerging Markets Stocks
12% Short-Term Treasury Bonds
20% Intermediate-Term Treasury Bonds
8% TIPS
Merriman’s best-in-class ETF recommendations rely heavily on fund offerings from Avantis, a relatively new ETF provider founded by former Dimensional employees. The important takeaway is that we would expect Avantis funds to provide reliable factor targeting and indeed they have in their short lifespan so far. We can construct the Ultimate Buy and Hold Portfolio like this:
AVUS – 6%
RPV – 6%
IJR – 6%
AVUV – 6%
VNQ – 6%
AVDE – 6%
DFIV – 6%
FNDC – 6%
AVDV – 6%
AVEM – 6%
VGSH – 12%
SPTI – 20%
VTIP – 8%
► Get the UB&H Portfolio for M1 here: [ Ссылка ]
► My modified 80/20 version: [ Ссылка ]
► Aggressive 10 Fund Portfolio (100% Stocks): [ Ссылка ]
Get Merriman's newest book here: [ Ссылка ]
Read the blog post here: [ Ссылка ]
Shout-out @PaulMerrimanSoundInvesting thanks for all you do!
#ultimateportfolio #paulmerriman #lazyportfolio
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► My comprehensive review of M1 Finance: [ Ссылка ]
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► Lazy Portfolios: [ Ссылка ]
► Beginners’ reference guide (updated regularly): [ Ссылка ]
► Webull (for stock traders; get 2 free stocks): [ Ссылка ]
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Disclaimer: The information presented is not financial advice, investing advice, or tax advice; it is for entertainment purposes only. Investment products discussed are for illustrative purposes only. It is not a recommendation to buy, sell, or transact in any of the products mentioned. I try my best to provide accurate information, but I can’t guarantee 100% accuracy. Do your own due diligence. Past performance does not guarantee future returns. Investing in the stock market - especially with leverage - is risky. Read my lengthier disclaimer here: [ Ссылка ]
Disclosure: Some of the links above are referral links. At no additional cost to you, if you choose to make a purchase or sign up for a service after clicking through those links, I may receive a small commission. This allows me to continue producing high-quality content on this channel and pays for the occasional cup of coffee. I have first-hand experience with every product or service I recommend, and I recommend them because I genuinely believe they are useful.
