Wasik Nano
1.59%June 05 | MyPlanIQ portfolio symbol P_20508

  • Portfolio Overview
  • Asset Allocation and ETFs
  • Performance
  • Calculators
  • Rolling Returns
  • Drawdowns

Portfolio Overview



John Wasik has been a professional journalist and author for 30 years specializing in personal finance, the environment, investing and social issues. John has proposed a Nano plan investment portfolio which employs just a handful of index or ETFs to cover virtually the entire world of bond and stock markets. This portfolio is supposed to be rebalanced annually.

John Wasik presents a classic asset allocation strategy with simple buy and hold.

  • 20% in Vanguard Total Stock Market VIPERS (VTI) – alternatives: SPY, IWM
  • 20% in Vanguard Total International (VGTSX) – alternatives: EFA, VEU, EEM, VWO, ADRE
  • 20% in Vanguard REIT VIPERS (VNQ) – alternatives: IYR, ICF
  • 20% in iShares Lehman TIPS Bond (TIP)
  • 20% in iShares Lehman Aggregate Bond (AGG) – alternative: BND

Things to note about the portfolio:

  • With 40% in fixed income, this would be considered moderate risk
  • With VGTSX covering both international and emerging markets (albeit in one fund) this would be something between a 4 and 5 asset class portfolio
  • VGTSX is not an ETF; while VGTSX can easily be replaced by VEU (Vanguard FTSE All-World ex-US ETF) we will keep VGTSX because it has a longer history for back testing


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Asset Allocation


Symbol Category/Sector Target Weight
VTI
Vanguard Total Stock Market ETF 		US Equity 20%
EFA
iShares MSCI EAFE ETF 		International Equity 20%
VNQ
Vanguard Real Estate ETF 		Real Estate 20%
TIP
iShares TIPS Bond ETF 		Fixed Income 20%
AGG
iShares Core U.S. Aggregate Bond ETF 		Fixed Income 20%


Historical Performance


Wasik Nano Historical Returns

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Common Inception
Wasik Nano 7.06% 16.60% 13.64% 6.34% 7.88% 7.70% 6.83% … …
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) 8.36% 25.68% 21.46% 13.27% 15.16% 14.31% 11.21% … …
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) 5.73% 17.05% 13.55% 6.33% 8.08% 7.31% 6.49% … …
Data as of 06/05/2026, Common starting date is 12/31/2004

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Wasik Nano Historical Return Chart

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Calculators


Dollar Cost Average Calculator for Wasik Nano

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Retirement Spending Calculator for Wasik Nano

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Rolling Returns


From 12/31/2004 to 06/05/2026, the worst annualized return of 3-year rolling returns for Wasik Nano is -8.68%.
From 12/31/2004 to 06/05/2026, the worst annualized return of 5-year rolling returns for Wasik Nano is 1.35%.
From 12/31/2004 to 06/05/2026, the worst annualized return of 10-year rolling returns for Wasik Nano is 4.74%.
From 12/31/2004 to 06/05/2026, the worst annualized return of 20-year rolling returns for Wasik Nano is 6.35%.

Maximum Drawdown

Wasik Nano Maximum Drawdown