List of 3-ETF Portfolios with Reduced Volatility

Below is a chart of portfolios using three ETFs, with each ETF representing a different asset class.

The green area in the chart below highlights the lowest volatility portfolios created by choosing 3 asset classes from a set of 14 asset classes. The components of each portfolio are listed below the chart.

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List of 3-ETF Portfolios with Reduced Volatility

Portfolio 1: 11.5% return, 9.4% standard deviation.

Composition: U.S. Equity: Small Cap Value (IWN) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + Commodities (DBC)

Portfolio 2: 11.0% return, 9.1% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + Commodities (DBC) + U.S. Real Estate (VNQ)

Portfolio 3: 11.0% return, 9.4% standard deviation.

Composition: U.S. Equity: Small Cap Value (IWN) + U.S. Bonds: Aggregate (BND) + Commodities (DBC)

Portfolio 4: 10.9% return, 9.9% standard deviation.

Composition: Gold (GLD) + U.S. Equity: Large Cap Value (IWD) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT)

Portfolio 5: 10.8% return, 9.2% standard deviation.

Composition: U.S. Equity: Large Cap Value (IWD) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + Commodities (DBC)

Portfolio 6: 10.7% return, 9.2% standard deviation.

Composition: U.S. Equity: Small Cap Value (IWN) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + Commodities (DBC)

Portfolio 7: 10.6% return, 9.8% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + Commodities (DBC) + International Equities: Growth (EFV)

Portfolio 8: 10.5% return, 9.2% standard deviation.

Composition: U.S. Bonds: Aggregate (BND) + Commodities (DBC) + U.S. Real Estate (VNQ)

Portfolio 9: 10.5% return, 9.4% standard deviation.

Composition: U.S. Equity: Small Cap Value (IWN) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Aggregate (BND)

Portfolio 10: 10.4% return, 9.8% standard deviation.

Composition: Gold (GLD) + U.S. Equity: Large Cap Value (IWD) + U.S. Bonds: Aggregate (BND)

Portfolio 11: 10.3% return, 8.8% standard deviation.

Composition: U.S. Equity: Small Cap Value (IWN) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 12: 10.3% return, 9.1% standard deviation.

Composition: U.S. Equity: Large Cap Value (IWD) + U.S. Bonds: Aggregate (BND) + Commodities (DBC)

Portfolio 13: 10.3% return, 9.0% standard deviation.

Composition: U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + Commodities (DBC) + U.S. Real Estate (VNQ)

Portfolio 14: 10.1% return, 10.0% standard deviation.

Composition: U.S. Equity: Micro Cap (IWC) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 15: 10.1% return, 9.8% standard deviation.

Composition: Gold (GLD) + U.S. Equity: Large Cap Value (IWD) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 16: 10.1% return, 9.9% standard deviation.

Composition: U.S. Bonds: Aggregate (BND) + Commodities (DBC) + International Equities: Growth (EFV)

Portfolio 17: 10.1% return, 8.5% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Aggregate (BND) + U.S. Real Estate (VNQ)

Portfolio 18: 10.0% return, 8.9% standard deviation.

Composition: U.S. Equity: Large Cap Value (IWD) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + Commodities (DBC)

Portfolio 19: 9.9% return, 9.7% standard deviation.

Composition: U.S. Equity: Large Cap Growth (IWF) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + Commodities (DBC)

Portfolio 20: 9.8% return, 7.8% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + U.S. Real Estate (VNQ)

Portfolio 21: 9.8% return, 8.2% standard deviation.

Composition: U.S. Equity: Small Cap Value (IWN) + U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 22: 9.8% return, 9.9% standard deviation.

Composition: U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + Commodities (DBC) + International Equities: Growth (EFV)

Portfolio 23: 9.8% return, 8.8% standard deviation.

Composition: U.S. Equity: Large Cap Value (IWD) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Aggregate (BND)

Portfolio 24: 9.7% return, 9.7% standard deviation.

Composition: U.S. Equity: Micro Cap (IWC) + U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 25: 9.6% return, 9.0% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Aggregate (BND) + International Equities: Growth (EFV)

Portfolio 26: 9.6% return, 8.1% standard deviation.

Composition: U.S. Equity: Large Cap Value (IWD) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 27: 9.4% return, 9.7% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + Commodities (DBC) + International Equities: Value (EFG)

Portfolio 28: 9.4% return, 9.8% standard deviation.

Composition: U.S. Equity: Large Cap Growth (IWF) + U.S. Bonds: Aggregate (BND) + Commodities (DBC)

Portfolio 29: 9.4% return, 8.6% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + International Equities: Growth (EFV)

Portfolio 30: 9.4% return, 7.2% standard deviation.

Composition: U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + U.S. Real Estate (VNQ)

Portfolio 31: 9.2% return, 9.5% standard deviation.

Composition: U.S. Equity: Large Cap Growth (IWF) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + Commodities (DBC)

Portfolio 32: 9.2% return, 7.5% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Aggregate (BND) + Commodities (DBC)

Portfolio 33: 9.1% return, 7.3% standard deviation.

Composition: U.S. Equity: Large Cap Value (IWD) + U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 34: 9.1% return, 10.0% standard deviation.

Composition: Gold (GLD) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Aggregate (BND)

Portfolio 35: 9.0% return, 9.5% standard deviation.

Composition: U.S. Equity: Small Cap Growth (IWO) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 36: 9.0% return, 9.3% standard deviation.

Composition: U.S. Equity: Large Cap Growth (IWF) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Aggregate (BND)

Portfolio 37: 9.0% return, 7.1% standard deviation. Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + Commodities (DBC)

Portfolio 38: 8.9% return, 8.1% standard deviation.

Composition: U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + International Equities: Growth (EFV)

Portfolio 39: 8.9% return, 9.7% standard deviation.

Composition: U.S. Bonds: Aggregate (BND) + Commodities (DBC) + International Equities: Value (EFG)

Portfolio 40: 8.9% return, 9.9% standard deviation.

Composition: Gold (GLD) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 41: 8.8% return, 8.7% standard deviation.

Composition: U.S. Equity: Large Cap Growth (IWF) + U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 42: 8.7% return, 9.7% standard deviation.

Composition: U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + Commodities (DBC) + International Equities: Value (EFG)

Portfolio 43: 8.6% return, 9.2% standard deviation.

Composition: U.S. Equity: Small Cap Growth (IWO) + U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 44: 8.5% return, 6.5% standard deviation.

Composition: U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + Commodities (DBC)

Portfolio 45: 8.5% return, 9.0% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Aggregate (BND) + International Equities: Value (EFG)

Portfolio 46: 8.4% return, 9.5% standard deviation.

Composition: Gold (GLD) + U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 47: 8.3% return, 8.2% standard deviation.

Composition: U.S. Equity: Large Cap Growth (IWF) + U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 48: 8.3% return, 8.5% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + International Equities: Value (EFG)

Portfolio 49: 8.0% return, 6.9% standard deviation.

Composition: U.S. Bonds: Long Term Treasuries, 20+ years (TLT) + U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY)

Portfolio 50: 7.8% return, 8.0% standard deviation.

Composition: U.S. Bonds: Aggregate (BND) + U.S. Bonds: Short Term Treasuries, 1-3 years (SHY) + International Equities: Value (EFG)