Pick the Portfolio That's
Right for You
April 2012
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Looking to construct a diversified portfolio tailored to your needs?
Below we've assembled 22 portfolios recommended by Kiplinger's Personal Finance editors and writers. All of these portfolios begin with the basics, then have been customized for different situations and stages of life. Whether you're a young person focusing on growth, a couple with retirement on the horizon, a retiree looking to generate income without fear of outliving your money, or an investor just looking for ultra simplicity, we hope you'll find some ideas in our portfolio center that fit your goals. Click on any portfolio below to see updated returns, and bookmark a portfolio to track against the performances of your own. We hope these will help you prosper in the years ahead.
ETF Portfolio for Overseas Investors
* for ETF investors who want a 100% foreign package
* stocks: 95% | bonds: 0% | alternatives: 5%
ETF Portfolio for Long-Term Growth
* for ETF investors with a healthy tolerance for risk
* stocks: 90% | bonds: 0% | alternatives: 10%
Low-Cost Expert Portfolio (Burton Malkiel)
* for investors seeking good returns from accessible, low-cost funds
* stocks: 80% | bonds: 20% | alternatives: 0%
Kiplinger 25 Portfolio: Long-Term (11+ Years Away)
* for no-load fund investors with long time horizons
* stocks: 75% | bonds: 25%
Aggressive Portfolio That's Heavy on Stocks
* for long-term investors who want to build wealth
* stocks: 80% | bonds: 15% | alternatives: 5%
* for investors who don't have a lot of cash
* stocks: 70% | bonds: 30% | alternatives: 0%
* for investors who want to keep it really simple
* stocks: 70% | bonds: 30% | alternatives: 0%
Kiplinger 25 Portfolio: Mid-Term (6-10 Years Away)
* for no-load fund investors starting to near their goal
* stocks: 60% | bonds: 35% | alternatives: 5%
Low-Cost Expert Portfolio (Kiplinger's Bob Frick)
* for investors seeking good returns from accessible, low-cost funds
* stocks: 65% | bonds: 35% | alternatives: 0%
ETF Portfolio for Vanguard Fans
* for ETF investors who are fans of the low-cost specialist
* stocks: 65% | bonds: 35% | alternatives: 0%
Balanced Portfolio for Medium-Term Goals
* for near-retirees seeking protection and safety
* stocks: 65% | bonds: 25% | alternatives: 10%
Low-Cost Expert Portfolio (Larry Swedroe)
* for investors seeking good returns from accessible, low-cost funds
* stocks: 60% | bonds: 40% | alternatives: 0%
ETF Portfolio for Growth and Income
* for ETF investors who want good yield
* stocks: 60% | bonds: 40% | alternatives: 0%
* for ETF investors who seek solid performance with low volatility
* stocks: 60% | bonds: 20% | alternatives: 20%
Portfolio That Seeks to Tamp Down Risk
* for retirees who don't want to outlive their money
* stocks: 55% | bonds: 32% | alternatives: 5% | cash: 8%
Kiplinger 25 Portfolio: Short-Term (3-5 Years Away)
* for no-load fund investors with short time horizons
* stocks: 35% | bonds: 60% | alternatives: 5%
* for investors who want out-of-the-box choices
* stocks: 40% | bonds: 15% | alternatives: 45%
ETF Portfolio for Maximum Income
* for ETF investors seeking fat yields
* stocks: 35% | bonds: 65% | alternatives: 0%
ETF Portfolio Filled With Alternative Investments
* for investors who want out-of-the-box ETF choices
* stocks: 20% | bonds: 20% | alternatives: 60%
* for investors who don't want to own any common stocks
* stocks: 0% | bonds: 40% | alternatives: 50% | cash: 10%
ETF Portfolio for Bond Investors
* for ETF investors seeking income
* stocks: 0% | bonds: 100% | alternatives: 0%
Low-Cost Expert Portfolio (William Larkin)
* for investors seeking good returns from accessible, low-cost funds
* stocks: 0% | bonds: 100% | alternatives: 0%
Expert Bond Portfolio (Russel Kinnel)
* for the bond portion of your investment portfolio
* stocks: 0% | bonds: 100% | alternatives: 0%
