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%.

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%

Most Popular

Where's My Stimulus Check? Use the IRS's "Get My Payment" Portal to Get an Answer
Coronavirus and Your Money

Where's My Stimulus Check? Use the IRS's "Get My Payment" Portal to Get an Answer

The IRS has an online tool that lets you track the status of your second stimulus check.
January 18, 2021
Biden Calls for $1,400 Payments as Part of $1.9 Trillion Relief Package
Coronavirus and Your Money

Biden Calls for $1,400 Payments as Part of $1.9 Trillion Relief Package

Under Biden's plan for a third stimulus check, the $600 second-round stimulus checks would be increased to $2,000.
January 14, 2021
When Could We Get a Third Stimulus Check?
Coronavirus and Your Money

When Could We Get a Third Stimulus Check?

President-elect Joe Biden and others in Congress are pushing for a third-round of stimulus checks, but it might be a while before we get them.
January 18, 2021

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.
January 17, 2021
Stock Market Today 1/15/21: New Stimulus Plan Fails to Stimulate Stocks
Stock Market Today

Stock Market Today 1/15/21: New Stimulus Plan Fails to Stimulate Stocks

Did Wall Street just "sell the news"? Stocks decline a day after Biden unveils $1.9 trillion "American Rescue Plan."
January 15, 2021
Stock Market Today 1/14/21: Small Caps Roar Despite Lousy Unemployment Data
Stock Market Today

Stock Market Today 1/14/21: Small Caps Roar Despite Lousy Unemployment Data

A spike in weekly initial jobless claims reversed recent progress and weighed on blue chips, but the Russell 2000 set fresh records once again.
January 14, 2021
Stock Market Today 1/13/21: Stocks Flat Amid Drama in D.C.
Stock Market Today

Stock Market Today 1/13/21: Stocks Flat Amid Drama in D.C.

The impeachment debate and light volume made for a choppy session that ended with the major indices little changed.
January 13, 2021