Exchange-traded products have found their way into countless portfolios as investors of all walks have embraced these financial instruments for their ease of use, cost efficiency, and unparalleled transparency.

A 2013 WSJ article by Anna Prior highlighted the sheer diversity among products in the ETF universe and how investors can actually build fairly complete portfolios with just a few funds. In the spirit of simplicity, below we outline 25 all-ETF portfolios, each comprising just three funds in total.* *Please note that investors should adjust the suggested allocations within each of the strategies to better suite their individual risk preferences and current income needs (expenses as of 5/15/2015).

25. Global Stocks & Bonds

This strategy spans the globe, covering both equity and fixed-income asset classes from both developed and emerging markets:

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Ticker ETF Allocation (VTI A+ ) Total Stock Market ETF 65% (VEU A ) FTSE All World Ex US ETF 20% (FWDB C ) Madrona Forward Global Bond ETF 15% - Portfolio Expense Ratio 0.21%

24. U.S. Total Market

This strategy is geared towards investors who are wary of international markets and would prefer to achieve foreign exposure tangentially through U.S. companies with overseas operations. A small bond component is also included to add diversification:

Ticker ETF Allocation (RSP B+ ) S&P Equal Weight ETF 40% (SCHA A+ ) U.S. Small-Cap ETF 40% (BND A ) Total Bond Market ETF 20% - Portfolio Expense Ratio 0.21%

23. Foreign Growth

This portfolio is not for the risk-averse as it focuses entirely on foreign developed and emerging markets equity funds along with an ex-U.S. bond component:

Ticker ETF Allocation (SCHF A ) International Equity ETF 60% (DGS A ) Emerging Market SmallCap Fund 20% (BWX A ) SPDR Barclays Intl Treasury Bond 20% - Portfolio Expense Ratio 0.27%

22. Low Volatility

Anyone with capital preservation as a top priority ought to consider this “safer” equity-centric strategy:

Ticker ETF Allocation (SPLV A ) S&P 500 Low Volatility Portfolio 50% (EFAV A ) iShares MSCI EAFE Minimum Volatility ETF 30% (EEMV A+ ) iShares MSCI Emerging Markets Minimum Volatility ETF 20% - Portfolio Expense Ratio 0.24%

21. Ex-Financials

This is another strategy geared towards more risk-averse investors who wish to entirely steer clear of the infamous financials sector:

Ticker ETF Allocation (DTN B+ ) Dividend ex-Financials Fund 50% (DOO B- ) International Dividend ex-Financials Fund 25% (ENGN B ) iShares Industrials Bond ETF 25% - Portfolio Expense Ratio 0.41%

20. U.S. Dollar-Denominated

This strategy offers international stock and bond exposure while at the same time circumventing the inherent currency risk by utilizing U.S. dollar-denominated funds:

Ticker ETF Allocation (DBEF B+ ) MSCI EAFE Hedged Equity Fund 60% (DBEM A ) MSCI Emerging Markets Equity Fund 20% (EMB A- ) iShares J.P. Morgan USD Emerging Markets Bond ETF 20% - Portfolio Expense Ratio 0.46%

19. BRIC Bull

The name says it all; this strategy delivers targeted exposure to the BRIC markets:

Ticker ETF Allocation (EWZ B+ ) iShares MSCI Brazil Capped ETF 25% (RSX B+ ) Market Vectors Russia ETF 25% (FNI B+ ) ISE Chindia Index Fund 50% - Portfolio Expense Ratio 0.61%

18. Ex-Europe

Investors looking to steer clear of the debt-burdened currency bloc, but still wish to maintain international exposure, ought to consider this strategy:

Ticker ETF Allocation (SCHB A ) U.S. Broad Market ETF 50% (VPL A+ ) FTSE Pacific ETF 30% (ILF A ) iShares Latin America 40 ETF 20% - Portfolio Expense Ratio 0.15%

17. Cyclical-Tilt

This strategy focuses on the most cyclical sectors, and as such, should appeal to bullish investors with a stomach for volatility:

Ticker ETF Allocation (IPW A- ) SPDR S&P International Energy Sector ETF 40% (IPK B ) SPDR S&P International Technology Sector ETF 40% (BJK B ) Market Vectors Gaming ETF 20% - Portfolio Expense Ratio 0.45%

16. Global Consumers

As a complement to the Cyclical-Tilt Portfolio, this strategy is based around consumer staples exposure across the globe, covering both developed and emerging markets; the bond component is heavily tilted towards consumer staples as well:

Ticker ETF Allocation (KXI A- ) iShares Global Consumer Staples ETF 50% (ECON C ) EGShares Emerging Markets Consumer 25% (ENGN B ) iShares Industrials Bond ETF 25% - Portfolio Expense Ratio 0.52%

15. Commodity Bull

This strategy is intended for those with a bullish outlook on the global economy and is balanced between commodity stocks and futures-based exposure to natural resource prices:

Ticker ETF Allocation (HAP A+ ) Market Vectors Hard Assets Producers ETF 40% (MOO A ) Market Vectors-Agribusiness ETF 40% (RJI A ) Rogers Intl Commodity ETN 20% - Portfolio Expense Ratio 0.57%

14. ex-Japan

It’s no secret that Asian markets are going to account for a growing share of global GDP growth over the coming years. However, Japan has long been stuck in a rut, and as such, this strategy entirely avoids exposure to this developed market in an otherwise booming region:

Ticker ETF Allocation (AAXJ B ) MSCI All Country Asia ex Japan Index Fund 50% (GMF A- ) SPDR S&P Emerging Asia Pacific ETF 30% (AUNZ A ) Australia & New Zealand Debt Fund 20% - Portfolio Expense Ratio 0.58%

13. Warren Buffett Clone

This strategy revolves around the investment principles embraced by the Wall Street legend:

Ticker ETF Allocation (MOAT A- ) Market Vectors Wide Moat Research ETF 40% (VIG A ) Dividend Appreciation ETF 40% (EES B ) SmallCap Earnings Fund 20% - Portfolio Expense Ratio 0.31%

12. Monthly Income

This strategy should appeal to conservative investors or those nearing retirement and in search of meaningful current income; each of the components here pays out a monthly dividend:

Ticker ETF Allocation (SDIV A ) SuperDividend ETF 40% (KBWD B ) KBW High Dividend Yield Financial Portfolio 30% (BND A ) Total Bond Market ETF 30% - Portfolio Expense Ratio 0.72%

11. Emerging Markets Fever

This portfolio is intended for aggressive, long-term investors who wish to tap into the world’s fastest growing economies:

Ticker ETF Allocation (VWO A ) Emerging Markets ETF 50% (EWX A ) SPDR S&P Emerging Markets Small Cap ETF 25% (FM A- ) MSCI Frontier 100 Index Fund 25% - Portfolio Expense Ratio 0.44%

10. Commodity Countries

This strategy offers tangential exposure to commodity markets by focusing on the world’s largest producers of natural resources:

Ticker ETF Allocation (ABCS) ABC High Dividend ETF 40% (GUNR A ) Morningstar Global Upstream Natural Resources Index Fund 40% (CCX B- ) Dreyfus Commodity Currency Fund 20% - Portfolio Expense Ratio 0.56%

9. Ultra-Cheap

The name says it all, this is a traditional stock-and-bond portfolio with the distinguishing feature being its rock-bottom expense ratio:

Ticker ETF Allocation (SCHB A ) U.S. Broad Market ETF 50% (VEA A ) Europe Pacific 30% (SCHZ A ) U.S. Aggregate Bond ETF 20% - Portfolio Expense Ratio 0.06%

8. Hedge Fund Clone

For anyone looking to replicate the strategies of professional money managers, this is a great starting point:

Ticker ETF Allocation (MCRO A+ ) IQ Hedge Macro Tracker ETF 35% (LSC A ) S&P CTI ETN 35% (GURU C ) Top Guru Holdings Index ETF 30% - Portfolio Expense Ratio 0.75%

7. Retirement-Ready

Unlike most of the other strategies covered here, this portfolio is bond-heavy and geared towards very conservative investors who wish to preserve capital and generate a steady stream of income:

Ticker ETF Allocation (VIG A ) Dividend Appreciation ETF 20% (BND A ) Total Bond Market ETF 60% (TIP A ) TIPS Bond ETF 20% - Portfolio Expense Ratio 0.11%

6. Growth-Tilt

This strategy is geared towards aggressive investors with a long-term horizon in mind:

Ticker ETF Allocation (IWZ A- ) iShares Russell 3000 Growth ETF 50% (EFG A- ) iShares MSCI EAFE Growth ETF 30% (EGRW B+ ) MSCI Emerging Markets Growth Index Fund 20% - Portfolio Expense Ratio 0.26%

5. Storm Proof

This strategy looks to weather all economic environments by holding on to three asset classes that have historically generated stable returns over the long haul:

Ticker ETF Allocation (VDC A+ ) Consumer Staples ETF 50% (BND A ) Total Bond Market ETF 30% (DBP B+ ) DB Precious Metals Fund 20% - Portfolio Expense Ratio 0.24%

4. All About Dividends

With interest rates still stuck at historically low levels, this strategy should appeal to anyone looking to generate meaningful current income:

Ticker ETF Allocation (LVL B- ) S&P Global Dividend Opportunities Index ETF 60% (HYG A ) iShares iBoxx $ High Yield Corporate Bond ETF 25% (EMHY B- ) Emerging Markets High Yield Bond Fund 15% - Portfolio Expense Ratio 0.76%

3. Tax Escape

This strategy is intended for investors that fall in the high-income tax bracket, and as such, it avoids dividend-paying securities; the bond component is also made up entirely of municipal debt, which is tax-exempt:

Ticker ETF Allocation (IWF A+ ) iShares Russell 1000 Growth ETF 50% (VBK A+ ) Small-Cap Growth ETF 20% (MUB A+ ) iShares National AMT-Free Muni Bond ETF 30% - Portfolio Expense Ratio 0.19%

2. Big Bear

Anyone looking to go against the bull trend should consider this strategy. Note that the holdings here are intended to serve as complements to a traditional long-only portfolio:

Ticker ETF Allocation (DEF B- ) Defensive Equity ETF 60% (HDGE C+ ) Ranger Equity Bear ETF 10% (UUP A ) DB USD Index Bullish 30% - Portfolio Expense Ratio 0.92%

1. All Abroad

Since most investors’ portfolios tend to have a glaring home-country bias, this strategy looks to avoid direct exposure to U.S. stocks and bonds:

Ticker ETF Allocation (VEU A ) FTSE All World Ex US ETF 65% (IGOV A+ ) S&P/Citigroup International Treasury Fund 20% (ELD B- ) Emerging Markets Local Debt Fund 15% - Portfolio Expense Ratio 0.25%