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 PortfolioTime horizon: 11 years or more
Strategy: Invest 85% of assets in stocks and add a stable, core bond fund for the remaining 15%.
Dodge & Cox Stock (DODGX): 25%
Primecap Odyssey Growth (POGRX): 20%
TIAA-CREF Core Impact Bond (TSBRX): 15%
Parnassus Mid Cap (PARMX): 15%
Janus Henderson Global Equity Income (HFQTX): 10%
T. Rowe Price Small-Cap Value (PRSVX): 10%
T. Rowe Price QM U.S. Small-Cap Growth (PRDSX): 5%
Moderate PortfolioTime 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): 20%
Metropolitan West Total Return (MWTRX): 15%
TIAA-CREF Core Impact Bond (TSBRX): 15%
Fidelity International Growth (FIGFX): 15%
Dodge & Cox Stock (DODGX): 15%
T. Rowe Price Small-Cap Value (PRSVX): 10%
Janus Henderson Global Equity Income (HFQTX): 10%
Conservative PortfolioTime 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): 25%
Fidelity Strategic Income (FADMX): 25%
T. Rowe Price Dividend Growth (PRDGX): 15%
Vanguard Equity-Income (VEIPX): 15%
T. Rowe Price Floating Rate (PRFRX): 5%
Vanguard Emerging Markets Bond (VEMBX): 5%
Vanguard High-Yield Corporate (VWEHX): 5%
TCW Enhanced Commodity Strategy (TGABX): 5%