Advertisement
Kip 25

Kiplinger 25 Model Portfolios

Reach your investment goals with these plans using our favorite no-load mutual funds.

alternative investments image

We’ve constructed three portfolios using only funds from the Kiplinger 25, our list of our favorite no-load mutual funds, designed for investors with different goals, time horizons and levels of risk tolerance. (See Kiplinger’s 25 Favorite No-Load Mutual Funds for the complete list of funds with their performances.) Beef up your stocks if want to be more aggressive, or increase the bond portion of your portfolio if you’re risk-averse. Over the past 12 months, our aggressive portfolio lost 6.5%, the moderate mix lost 7.0%, and the conservative model returned 0.8%.

Advertisement - Article continues below

h3 class="kip-md-see-also inline">See Also Our Complete Guide to the Kiplinger 25

For Long-Term Savers: 11+ years away

With growth as the primary goal, this portfolio holds 85% in stock funds, with one bond fund (TIAA-CREF Core Impact Bond) for a touch of ballast.

Dodge & Cox Stock (DODGX): 20% Primecap Odyssey Growth (POGRX): 20% TIAA-CREF Core Impact Bond (TSBRX): 15% Parnassus Mid Cap (PARMX): 15% Fidelity International Growth (FIGFX): 10% Wasatch Small Cap Value (WMCVX): 10% T. Rowe Price QM U.S. Small-Cap Growth Equity Fund (PRDSX): 10%

For College: 6-10 years away

This package is ideal for building up a tuition fund for a kid with Ivy League stars in his eyes. Or you can use it for other goals — say, an approaching retirement in a decade (or a bit sooner). With that shorter time frame, more bond funds (35%) are in the mix.

Vanguard Equity-Income (VEIPX ): 20% DoubleLine Total Return Bond (FMIJX): 15% TIAA-CREF Core Impact Bond (TSBRX): 15% Fidelity International Growth (FIGFX): 15% Primecap Odyssey Growth (POGRX ): 15% T. Rowe Price Small-Cap Value (PRSVX): 10% Vanguard Wellington (VWELX): 10%

For Income: Five Years or less

Short time frames require more caution. This package holds 70% of its assets in bond funds. It yields 3.1%.

DoubleLine Total Return Bond (DLTNX): 25% Fidelity Strategic Income (FSICX): 20% T. Rowe Price Dividend Growth (PRDGX): 15% Vanguard Equity-Income (VEIPX): 15% Vanguard Short-Term Investment Grade (VFSTX): 15% Fidelity New Markets Income (FNMIX): 5% Vanguard High Yield Corporate (VWEHX): 5%

Advertisement
Advertisement

Most Popular

What Trump's Payroll Tax Cut Will Mean for You
Tax Breaks

What Trump's Payroll Tax Cut Will Mean for You

President Trump has issued an executive order to suspend the collection of payroll taxes. How much will it save you?
August 9, 2020
What a Payroll Tax Cut Would Mean for You
Tax Breaks

What a Payroll Tax Cut Would Mean for You

If Congress can't pass another stimulus bill, President Trump says he will initiate a payroll tax cut by executive order. How much would that save you…
August 8, 2020
7 Surprisingly Valuable Assets for a Happy Retirement
happy retirement

7 Surprisingly Valuable Assets for a Happy Retirement

If you want a long and fulfilling retirement, you need more than money. Here are the most valuable retirement assets to have (besides money), and how …
August 3, 2020

Recommended

Kiplinger's Weekly Earnings Calendar
stocks

Kiplinger's Weekly Earnings Calendar

Check out our earnings calendar for the upcoming week, as well as our previews of the more noteworthy reports.
August 9, 2020
Stock Market Today 8/7/20: Strong July Jobs Report Has a Dark Side
Markets

Stock Market Today 8/7/20: Strong July Jobs Report Has a Dark Side

A better-than-expected employment report that saw 1.8 million U.S. jobs added in July didn't give the markets much of a boost Friday.
August 7, 2020
The Pros' Top 5 Industrial Stocks
investing

The Pros' Top 5 Industrial Stocks

The industrial sector is lagging badly this year, but anytime there's carnage, there is also opportunity, analysts say.
August 7, 2020
Stock Market Today 8/6/20: 'FAAMNGs' Do the Market's Talking
Markets

Stock Market Today 8/6/20: 'FAAMNGs' Do the Market's Talking

Facebook (FB), which surged Thursday on the launch of a feature to compete with TikTok, joined with other mega-caps to lead the indices higher yet aga…
August 6, 2020