# www.paulmerriman.com Explore the updated Ultimate Buy and Hold Portfolio strategy for 2025 with Paul Merriman. Learn how diversification across 10 equity asset classes can maximize returns while managing risk. ## Pages - [larry-swedroe-the-evidence-based-rules-every-investor-needs-to-know-bainbridge-financial-literacy-series-2026](https://www.paulmerriman.com/sound-investing-posts/larry-swedroe-the-evidence-based-rules-every-investor-needs-to-know-bainbridge-financial-literacy-series-2026) - [planvision-low-cost-flat-fee-financial-planning-for-do-it-yourself-investors](https://www.paulmerriman.com/sound-investing-posts/planvision-low-cost-flat-fee-financial-planning-for-do-it-yourself-investors) - [paul-merriman-on-managing-16-billion-but-never-his-own-money](https://www.paulmerriman.com/sound-investing-posts/paul-merriman-on-managing-16-billion-but-never-his-own-money) - [q-and-a-deep-dive](https://www.paulmerriman.com/sound-investing-posts/q-and-a-deep-dive) - [dfa-and-avantis-etfs-building-the-ultimate-lifetime-equity-strategy](https://www.paulmerriman.com/sound-investing-posts/dfa-and-avantis-etfs-building-the-ultimate-lifetime-equity-strategy) - [flexible-retirement-withdrawals-why-taking-less-can-give-you-more](https://www.paulmerriman.com/sound-investing-posts/flexible-retirement-withdrawals-why-taking-less-can-give-you-more) - [boot-camp-6-fixed-distributions](https://www.paulmerriman.com/sound-investing-posts/boot-camp-6-fixed-distributions) - [2026-boot-camp-5-fixed-contributions](https://www.paulmerriman.com/sound-investing-posts/2026-boot-camp-5-fixed-contributions) - [bootcamp-4-fine-tuning-your-asset-allocation-for-retirement-and-long-term-growth](https://www.paulmerriman.com/sound-investing-posts/bootcamp-4-fine-tuning-your-asset-allocation-for-retirement-and-long-term-growth) - [bootcamp-3-how-to-choose-the-right-portfolio-returns-risk-and-diversification](https://www.paulmerriman.com/sound-investing-posts/bootcamp-3-how-to-choose-the-right-portfolio-returns-risk-and-diversification) - [boot-camp-2-the-ultimate-buy-and-hold-portfolio](https://www.paulmerriman.com/sound-investing-posts/boot-camp-2-the-ultimate-buy-and-hold-portfolio) - [bootcamp-1-the-10-million-decision-stocks-and-bonds](https://www.paulmerriman.com/sound-investing-posts/bootcamp-1-the-10-million-decision-stocks-and-bonds) - [a-surprise-a-big-thank-you-and-whats-coming-next](https://www.paulmerriman.com/sound-investing-posts/a-surprise-a-big-thank-you-and-whats-coming-next) - [better-than-vtsax-choosing-asset-allocation-target-date-funds-protecting-against-scams-and-more](https://www.paulmerriman.com/sound-investing-posts/better-than-vtsax-choosing-asset-allocation-target-date-funds-protecting-against-scams-and-more) - [sound-investing-qanda-etfs-portfolios-risk-and-retirement](https://www.paulmerriman.com/sound-investing-posts/sound-investing-qanda-etfs-portfolios-risk-and-retirement) - [what-2025-taught-us-about-investing-and-why-normal-matters](https://www.paulmerriman.com/sound-investing-posts/what-2025-taught-us-about-investing-and-why-normal-matters) - [pediheart-podcast-366-a-focus-on-financial-health-with-mr-paul-merriman](https://www.paulmerriman.com/sound-investing-posts/pediheart-podcast-366-a-focus-on-financial-health-with-mr-paul-merriman) - [the-importance-of-keeping-investing-simple](https://www.paulmerriman.com/sound-investing-posts/the-importance-of-keeping-investing-simple) - [paul-merriman-on-long-term-investing-compounding-and-building-wealth](https://www.paulmerriman.com/sound-investing-posts/paul-merriman-on-long-term-investing-compounding-and-building-wealth) - [aaii-qanda-series-part-3-of-3](https://www.paulmerriman.com/sound-investing-posts/aaii-qanda-series-part-3-of-3) - [aaii-qanda-part-2-12-more-questions-answered](https://www.paulmerriman.com/sound-investing-posts/aaii-qanda-part-2-12-more-questions-answered) - [thanksgiving-aaii-qandas-retirement-portfolios-value-tilts-international-diversification-and-investing-a-lump-sum](https://www.paulmerriman.com/sound-investing-posts/thanksgiving-aaii-qandas-retirement-portfolios-value-tilts-international-diversification-and-investing-a-lump-sum) - [supercharge-your-retirement-with-paul-merriman](https://www.paulmerriman.com/sound-investing-posts/supercharge-your-retirement-with-paul-merriman) - 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[can-you-trust-the-market-equal-weighted-sandp-500-vs-four-fund-strategy](https://www.paulmerriman.com/sound-investing-posts/can-you-trust-the-market-equal-weighted-sandp-500-vs-four-fund-strategy) - [the-final-chapter-sandp-500-vs-6040-vs-four-fund-strategy](https://www.paulmerriman.com/sound-investing-posts/the-final-chapter-sandp-500-vs-6040-vs-four-fund-strategy) - [retirement-distributions-all-sandp-500-vs-6040-portfolio](https://www.paulmerriman.com/sound-investing-posts/retirement-distributions-all-sandp-500-vs-6040-portfolio) - [paul-merriman-on-money-life-with-chuck-jaffe-at-fincon](https://www.paulmerriman.com/sound-investing-posts/paul-merriman-on-money-life-with-chuck-jaffe-at-fincon) - [two-radical-investments-us-4-fund-portfolio-vs-sandp-500](https://www.paulmerriman.com/sound-investing-posts/two-radical-investments-us-4-fund-portfolio-vs-sandp-500) - [saving-for-retirement-100-sandp-500-vs-6040-a-lifetime-portfolio-comparison](https://www.paulmerriman.com/sound-investing-posts/saving-for-retirement-100-sandp-500-vs-6040-a-lifetime-portfolio-comparison) - 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[12-million-dollar-decisions](https://www.paulmerriman.com/sound-investing-posts/12-million-dollar-decisions) - [11-qanda-bonds-rebalancing-all-value-vanguard-vs-avantis-and-dfa](https://www.paulmerriman.com/sound-investing-posts/11-qanda-bonds-rebalancing-all-value-vanguard-vs-avantis-and-dfa) - [avantis-vs-dfa-and-the-winner-is](https://www.paulmerriman.com/sound-investing-posts/avantis-vs-dfa-and-the-winner-is) - [the-spiva-report-proof-you-can-buy](https://www.paulmerriman.com/sound-investing-posts/the-spiva-report-proof-you-can-buy) - [june-qanda-with-paul-chris-an-daryl](https://www.paulmerriman.com/sound-investing-posts/june-qanda-with-paul-chris-an-daryl) - [a-very-special-birthday-and-an-investment-choice-forever](https://www.paulmerriman.com/sound-investing-posts/a-very-special-birthday-and-an-investment-choice-forever) - [100-a-month-to-37-million-bear-markets-bogleheads-and-a-free-education](https://www.paulmerriman.com/sound-investing-posts/100-a-month-to-37-million-bear-markets-bogleheads-and-a-free-education) - [vanguard-vs-mutual-shares-who-is-the-long-term-champ](https://www.paulmerriman.com/sound-investing-posts/vanguard-vs-mutual-shares-who-is-the-long-term-champ) - [which-6040-portfolio-is-best](https://www.paulmerriman.com/sound-investing-posts/which-6040-portfolio-is-best) - [mastering-patience-insights-for-long-term-success-in-diy-investing](https://www.paulmerriman.com/sound-investing-posts/mastering-patience-insights-for-long-term-success-in-diy-investing) - [market-timing-vs-buy-and-hold-why-market-timing-fails-the-test-for-most-investors](https://www.paulmerriman.com/sound-investing-posts/market-timing-vs-buy-and-hold-why-market-timing-fails-the-test-for-most-investors) - [financial-literacy-and-mastering-the-million-dollar-decisions](https://www.paulmerriman.com/sound-investing-posts/financial-literacy-and-mastering-the-million-dollar-decisions) - [wscpa-the-ultimate-buy-and-hold-portfolio](https://www.paulmerriman.com/sound-investing-posts/wscpa-the-ultimate-buy-and-hold-portfolio) - [how-to-bake-a-cake-an-asset-allocation-mashup-rick-ferri-and-paul-merriman](https://www.paulmerriman.com/sound-investing-posts/how-to-bake-a-cake-an-asset-allocation-mashup-rick-ferri-and-paul-merriman) - [small-cap-value-showdown-between-financial-legends-this-could-add-millions-to-your-retirement](https://www.paulmerriman.com/sound-investing-posts/small-cap-value-showdown-between-financial-legends-this-could-add-millions-to-your-retirement) - [bootcamp-7-flexible-distributions](https://www.paulmerriman.com/sound-investing-posts/bootcamp-7-flexible-distributions) - [boot-camp-6-fixed-distributions-2025-update](https://www.paulmerriman.com/sound-investing-posts/boot-camp-6-fixed-distributions-2025-update) - [bootcamp-5-fixed-contributions-update-2025](https://www.paulmerriman.com/sound-investing-posts/bootcamp-5-fixed-contributions-update-2025) - [bootcamp-4-fine-tuning-your-asset-allocation-2025-update](https://www.paulmerriman.com/sound-investing-posts/bootcamp-4-fine-tuning-your-asset-allocation-2025-update) - [bootcamp-9-best-in-class-etf-recommendations](https://www.paulmerriman.com/sound-investing-posts/bootcamp-9-best-in-class-etf-recommendations) - [bootcamp-1-the-biggest-decision-of-all-stocks-vs-bonds](https://www.paulmerriman.com/sound-investing-posts/bootcamp-1-the-biggest-decision-of-all-stocks-vs-bonds) - [the-good-bad-ugly-and-average-risk-and-returns-of-small-cap-value-sandp-500-and-2-and-4-fund-portfolios](https://www.paulmerriman.com/sound-investing-posts/the-good-bad-ugly-and-average-risk-and-returns-of-small-cap-value-sandp-500-and-2-and-4-fund-portfolios) - [bootcamp-2-the-ultimate-buy-and-hold-portfolio-update-2025](https://www.paulmerriman.com/sound-investing-posts/bootcamp-2-the-ultimate-buy-and-hold-portfolio-update-2025) - [bootcamp-3-sound-investing-portfolios](https://www.paulmerriman.com/sound-investing-posts/bootcamp-3-sound-investing-portfolios) - [the-index-edge-paul-merrimans-investment-insights](https://www.paulmerriman.com/sound-investing-posts/the-index-edge-paul-merrimans-investment-insights) - 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[m1-finance-updated-2024](https://www.paulmerriman.com/sound-investing-posts/m1-finance-updated-2024) - [lessons-for-bogleheads](https://www.paulmerriman.com/sound-investing-posts/lessons-for-bogleheads) - [paul-merrimans-12-million-dollar-ideas-for-investing-success](https://www.paulmerriman.com/sound-investing-posts/paul-merrimans-12-million-dollar-ideas-for-investing-success) - [new-table-scv-returns-hourly-advisor-recommendation](https://www.paulmerriman.com/sound-investing-posts/new-table-scv-returns-hourly-advisor-recommendation) - [dca-vs-lump-sum-not-trusting-scv-maximizing-roth-moving-from-ultimate-bh-to-smaller-portfolio-and-more](https://www.paulmerriman.com/sound-investing-posts/dca-vs-lump-sum-not-trusting-scv-maximizing-roth-moving-from-ultimate-bh-to-smaller-portfolio-and-more) - [dave-ramsey-crypto-currency-trusting-past-performance-and-more](https://www.paulmerriman.com/sound-investing-posts/dave-ramsey-crypto-currency-trusting-past-performance-and-more) - [leveraging-etfs-moving-from-cash-to-equities-a-track-record-you-cant-trust-and-more-qanda](https://www.paulmerriman.com/sound-investing-posts/leveraging-etfs-moving-from-cash-to-equities-a-track-record-you-cant-trust-and-more-qanda) - 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Review our insights on Avantis, DFA, & Vanguard funds today! - [Stocks vs. Bonds 2026](https://www.paulmerriman.com/stocks-and-bonds-2026): Understand the key differences between stocks & bonds. Learn about risk, return, and diversification. Download our free guide today! - [Rob Berger, podcaster, writer and author](https://www.paulmerriman.com/rob-berger-podcaster-writer-and-author): Rob Berger offers insights on smart investing & financial decision-making. Subscribe to his newsletter for valuable resources. - [Ben Felix](https://www.paulmerriman.com/ben-felix): Access podcasts & free books on investing from Ben Carlson. Enhance your financial literacy with expert insights today! - [Ultimate Buy and Hold 2026](https://www.paulmerriman.com/ultimate-buy-and-hold-2026): Learn to build a diversified investment portfolio with key asset classes. Access resources to enhance your financial education today! - [bootcamps](https://www.paulmerriman.com/bootcamps): Join Boot Camp 2026 for free financial education. Access podcasts, articles, & strategies for investing & retirement planning. - [marketwatch-archive](https://www.paulmerriman.com/marketwatch-archive): Access 281 articles on financial education & investing. Read now for free resources on retirement, risk, & more. - [MarketWatch Articles](https://www.paulmerriman.com/marketwatch-articles): Access 281 articles on financial education & investing. Read now for free resources on retirement, risk, & more. - [Custom Merriman Agressive Target Date Allocation Calculator](https://www.paulmerriman.com/custom-merriman-aggressive-target-date-allocation-calculator): Use our interactive calculator to customize your Merriman Aggressive Target Date allocations. Start planning your investments today! - [M1 Finance & Fidelity](https://www.paulmerriman.com/m1-finance-fidelity): Understand the key differences between stocks & bonds. Learn about risk, return, and diversification. Download our free guide today! - [AAII Articles](https://www.paulmerriman.com/aaii-articles): Access essential investment tools & strategies for wealth building. Get free calculators & ETF recommendations today! - [Rob Berger Truth Teller](https://www.paulmerriman.com/rob-berger-truth-teller): Rob Berger offers insights on smart investing & financial decision-making. Subscribe to his newsletter for valuable resources. ## Blog Posts