Often, attendees at my workshops complain that their portfolios suffer from a lack of time and attention. Most are under the impression that a successful investing strategy requires an inordinate amount of time "invested" in learning about investing, as well as in managing their investments.
 
That's just not true. With the proliferation of mutual funds and exchange-traded funds (ETFs), even the most time-challenged investor can begin and sustain a fine investing program. Once the initial set-up - choosing your funds and ETFs is done - your portfolio can be maintained with just a little effort. And a fund/ETF portfolio is perfectly suited for long-term investing (which I strongly advocate). As well, it's a simple approach, and simple is almost always better than complicated (especially for the individual investor).
 
But that first step in determining your portfolio allocation is very time-consuming, and that's why I have been paying close attention to the recent media coverage about "lazy portfolios." I know that most of the investors I talk with would really like some help in choosing a complete portfolio, not just a fund and ETF, here or there. And the lazy portfolio seems to be an ideal solution.
 
A lazy portfolio is simply a diversified group of various mutual funds and ETFs that practice tax-efficiency and have low costs.
 
And they can be comprised of just about any type of portfolio strategy to meet your

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