Kiplinger 25 Model Portfolios

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

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%.

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.

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Dodge & Cox Stock (DODGX (opens in new tab)): 20%

Primecap Odyssey Growth (POGRX (opens in new tab)): 20%

TIAA-CREF Core Impact Bond (TSBRX (opens in new tab)): 15%

Parnassus Mid Cap (PARMX): 15%

Fidelity International Growth (FIGFX (opens in new tab)): 10%

Wasatch Small Cap Value (WMCVX (opens in new tab)): 10%

T. Rowe Price QM U.S. Small-Cap Growth Equity Fund (PRDSX (opens in new tab)): 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 (opens in new tab) ): 20%

DoubleLine Total Return Bond (FMIJX (opens in new tab)): 15%

TIAA-CREF Core Impact Bond (TSBRX (opens in new tab)): 15%

Fidelity International Growth (FIGFX (opens in new tab)): 15%

Primecap Odyssey Growth (POGRX (opens in new tab) ): 15%

T. Rowe Price Small-Cap Value (PRSVX (opens in new tab)): 10%

Vanguard Wellington (VWELX (opens in new tab)): 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 (opens in new tab)): 25%

Fidelity Strategic Income (FSICX (opens in new tab)): 20%

T. Rowe Price Dividend Growth (PRDGX (opens in new tab)): 15%

Vanguard Equity-Income (VEIPX (opens in new tab)): 15%

Vanguard Short-Term Investment Grade (VFSTX (opens in new tab)): 15%

Fidelity New Markets Income (FNMIX (opens in new tab)): 5%

Vanguard High Yield Corporate (VWEHX (opens in new tab)): 5%

Nellie S. Huang
Senior Associate Editor, Kiplinger's Personal Finance

Nellie joined Kiplinger in August 2011 after a seven-year stint in Hong Kong. There, she worked for the Wall Street Journal Asia, where as lifestyle editor, she launched and edited Scene Asia, an online guide to food, wine, entertainment and the arts in Asia. Prior to that, she was an editor at Weekend Journal, the Friday lifestyle section of the Wall Street Journal Asia. Kiplinger isn't Nellie's first foray into personal finance: She has also worked at SmartMoney (rising from fact-checker to senior writer), and she was a senior editor at Money.