Merriman Ultimate

According to Paul Merriman, the Ultimate Buy-and-Hold Strategy “creates a sophisticated portfolio with worldwide stock diversification by adding value stocks, small company stocks and real estate funds to a traditional large-cap growth stock portfolio.”

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Asset Allocation


(*) Merriman specifically calls for 6% world small value and 8% TIPS.  I don’t have good data for these assets, but in an effort to best illustrate his design intent I added them to the WSML and ITB allocations.  These are both reasonable replacements and should not make a huge difference in these smaller proportions.  However, be sure to read Merriman’s explanation for why he chooses the funds he does.

Because verified data is not available, this portfolio includes estimated returns prior to 1982.  Data for those years is highlighted on each chart.