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Super-Simple Balanced Mutual Fund Portfolio

September 2014

This recommended investment portfolio is one of 20+ mutual fund portfolios that we've assembled for investors with different time horizons and risk-tolerance levels to consider. Visit our Portfolio Finder to see them all.

 
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Super-Simple Balanced Mutual Fund Portfolio

For investors who want to profit by keeping things simple.
 70% Stocks |  30% Bonds | 


 Data through June 30, 2018

FUND NAME SYMBOL % OF
PORTFOLIO
YTD
RETURN
1-YR
RETURN
3-YR
RETURN
5-YR
RETURN
10-YR
RETURN
MAX LOAD EXPENSE RATIO
BondVanguard Total Bond Market Index InvVBMFX30%-1.69%-0.62%1.57%2.09%3.55%none%0.15%
StockVanguard Total World Stock Index InvVTWSX70-0.1410.988.429.726.2none0.19
   100-0.617.56.367.435.41 0.18
** Closed to new investors. # Closed to new investors; other share classes are available.
r Maximum redemption fee charged when you sell shares. s Front-end load; redemption fee may apply.
— Fund has not existed for the specified time. Source: Morningstar, Inc..

You benefit in several ways by avoiding investment clutter. You can keep your overall allocation on track with just a few clicks per year. Sticking to a couple of broad funds will prevent you from getting distrcated by niche bets (such as a technology or health-care fund that's on a tear). And, by investing with index funds, you'll avoid the vain pursuit of hopping from one trend to the next — and the fees that come along with that.

The 70/30 stock to bond split? We set that based on a rule of thumb that suggests to subtract your age from 120 to come up with the stock allocation. So, this is ideal for a 50-year old. Adjust to fit.