Kiplinger 25 Model Portfolios: Investment Strategies for Different Risk Levels

(Image credit: Getty Images)

We've constructed three model portfolios using only funds from the Kiplinger 25, a list of our favorite no-load mutual funds. These plans are designed for investors with different goals, time horizons and levels of risk tolerance.

Use the model portfolios 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.

1. Aggressive portfolio

(Image credit: Getty Images)

Time horizon: 11 years or more

From just $107.88 $24.99 for Kiplinger Personal Finance

Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues

CLICK FOR FREE ISSUE

Sign up for Kiplinger’s Free Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Strategy: Invest 80% of assets in stocks and add a stable, core bond fund for the remaining 20%.

Dodge & Cox Income (DODIX): 20%

Dodge & Cox Stock (DODGX): 20%

Primecap Odyssey Growth (POGRX): 20%

Fidelity International Growth (FIGFX): 10%

Marsico Midcap Growth Focus (MXXIX): 10%

T. Rowe Price Small-Cap Value (PRSVX): 10%

Baron Emerging Markets (BEXFX): 5%

Brown Capital Management International Small Company (BCSVX): 5%

2. Moderate portfolio

(Image credit: Getty Images)

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): 20%

Dodge & Cox Income (DODIX): 15%

Dodge & Cox Stock (DODGX): 15%

Fidelity Strategic Income (FADMX): 15%

Fidelity International Growth (FIGFX): 12.5%

Janus Henderson Global Equity Income (HFQTX): 12.5%

Vanguard Strategic Equity (VSEQX): 5%

T. Rowe Price Small-Cap Value (PRSVX): 5%

3. Conservative portfolio

(Image credit: Getty Images)

Time horizon: Five years or less

Strategy: A steadier blend of 70% bonds and 30% stocks geared primarily for income.

Dodge & Cox Income (DODIX): 25%

T. Rowe Price Dividend Growth (PRDGX): 15%

Vanguard Equity Income (VEIPX): 15%

Vanguard Short-Term Investment-Grade (VFSTX): 15%

Fidelity Strategic Income (FADMX): 10%

T. Rowe Price Floating Rate (PRFRX): 5%

Vanguard Emerging Markets Bond (VEMBX): 5%

Vanguard High-Yield Corporate (VWEHX): 5%

Vanguard Wellington (VWELX): 5%

Note: This item first appeared in Kiplinger's Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here.

Related content

• The Kiplinger Dividend 15: Our Favorite Dividend-Paying Stocks
• Kip ETF 20: The Best Cheap ETFs You Can Buy
• Kiplinger ESG 20: Our Favorite ESG Stock and Fund Picks for Investors