We've constructed three portfolios using only funds from the Kiplinger 25, a list of our favorite no-load mutual funds, designed for investors with different goals, time horizons and levels of risk tolerance.
Use the models below as a starting point for your own portfolio. Tweak where necessary. Beef up your stocks if you want to be more aggressive, or increase the bond portion of your portfolio if you're risk-averse.
Aggressive Portfolio
Time horizon: 11 years or more
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Strategy: Invest 85% of assets in stocks and add a stable, core bond fund for the remaining 15%.
Dodge & Cox Stock (DODGX (opens in new tab)): 25%
Primecap Odyssey Growth (POGRX (opens in new tab)): 20%
TIAA-CREF Core Impact Bond (TSBRX (opens in new tab)): 15%
Parnassus Mid Cap (PARMX (opens in new tab)): 15%
Janus Henderson Global Equity Income (HFQTX (opens in new tab)): 10%
T. Rowe Price Small-Cap Value (PRSVX (opens in new tab)): 10%
T. Rowe Price QM U.S. Small-Cap Growth (PRDSX (opens in new tab)): 5%
Moderate Portfolio
Time horizon: Six to 10 years
Strategy: Hold 70% in stocks and 30% in bonds for a more temperate mix.
T. Rowe Price Dividend Growth (PRDGX (opens in new tab)): 20%
Metropolitan West Total Return (MWTRX (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%
Dodge & Cox Stock (DODGX (opens in new tab)): 15%
T. Rowe Price Small-Cap Value (PRSVX (opens in new tab)): 10%
Janus Henderson Global Equity Income (HFQTX (opens in new tab)): 10%
Conservative Portfolio
Time horizon: Five years or less
Strategy: A steadier blend of 70% bonds and 30% stocks geared primarily for income.
TIAA-CREF Core Impact Bond (TSBRX (opens in new tab)): 25%
Fidelity Strategic Income (FADMX (opens in new tab)): 25%
T. Rowe Price Dividend Growth (PRDGX (opens in new tab)): 15%
Vanguard Equity-Income (VEIPX (opens in new tab)): 15%
T. Rowe Price Floating Rate (PRFRX (opens in new tab)): 5%
Vanguard Emerging Markets Bond (VEMBX (opens in new tab)): 5%
Vanguard High-Yield Corporate (VWEHX (opens in new tab)): 5%
TCW Enhanced Commodity Strategy (TGABX (opens in new tab)): 5%
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