Kiplinger 25 Model Portfolios
Reach your investment goals with these plans using the Kiplinger 25, our favorite no-load mutual funds.
- (opens in new tab)
- (opens in new tab)
- (opens in new tab)
- Newsletter sign up Newsletter
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.
Kiplinger 25 Model Portfolios
1. Aggressive Portfolio
Time horizon: 11 years or more
Sign up for Kiplinger’s Free E-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%.
Baird Aggregate Bond (BAGSX (opens in new tab)): 20%
Dodge & Cox Stock (DODGX (opens in new tab)): 20%
Primecap Odyssey Growth (POGRX (opens in new tab)): 20%
Heartland Mid Cap Value (HRMDX (opens in new tab)): 10%
Janus Henderson Global Equity Income (HFQTX (opens in new tab)): 10%
T. Rowe Price Small-Cap Value (PRSVX (opens in new tab)): 10%
Baron Emerging Markets (BEXFX (opens in new tab)): 5%
Brown Capital Management International Small Company (BCSVX (opens in new tab)): 5%
2. 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%
Baird Aggregate Bond (BAGSX): 15%
Dodge & Cox Stock (DODGX): 15%
Fidelity International Growth (FIGFX (opens in new tab)): 15%
Fidelity Strategic Income (FADMX (opens in new tab)): 15%
Janus Henderson Global Equity Income (HFQTX): 10%
DF Dent Midcap Growth (DFDMX (opens in new tab)): 5%
T. Rowe Price Small-Cap Value (PRSVX): 5%
3. Conservative Portfolio
Time horizon: Five years or less
Strategy: A steadier blend of 70% bonds and 30% stocks geared primarily for income.
Baird Aggregate Bond (BAGSX): 25%
Fidelity Strategic Income (FADMX): 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%
TCW Enhanced Commodity Strategy (TGABX (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%
As of March 31, 2023. *Small-company U.S. stocks. †Foreign stocks. #High-grade U.S. bonds. N/A = Fund not in existence for the entire period. SOURCES: Fund companies, FTSE Russell, Morningstar Inc., MSCI, S&P Dow Jones Indices. Yields listed for bond funds are SEC yields, which are net of fees; stock fund yields are the yield for the past 12 months.
Nellie joined Kiplinger in August 2011 after a seven-year stint in Hong Kong. There, she worked for the Wall Street Journal Asia, where as lifestyle editor, she launched and edited Scene Asia, an online guide to food, wine, entertainment and the arts in Asia. Prior to that, she was an editor at Weekend Journal, the Friday lifestyle section of the Wall Street Journal Asia. Kiplinger isn't Nellie's first foray into personal finance: She has also worked at SmartMoney (rising from fact-checker to senior writer), and she was a senior editor at Money.
-
-
For Best Tax Savings, Year-Round Tax Planning Is Essential
For optimal, ongoing tax reduction, consider employing these nine strategies throughout the entire year.
By Andy Leung, Private Wealth Adviser • Published
-
From SECURE Act to SECURE 2.0: Is Your Estate Plan Safe?
The ever-evolving legislative landscape provides both challenges and opportunities when it comes to making plans for your retirement and your estate. A key focus: tax planning.
By Lindsay N. Graves, Esq. • Published
-
The Kiplinger 25: Our Favorite No-Load Mutual Funds
The Kiplinger 25 The Kiplinger 25 is a list of our top no-load mutual funds that have proven capable of weathering any storm.
By Nellie S. Huang • Published
-
High Yields From High-Rate Lenders
Investors seeking out high yields can find them in high-rate lenders, non-bank lenders and a few financial REITs.
By Jeffrey R. Kosnett • Published
-
Value Investing Is Back
Value investing beats growth in the long run, and the best way to participate in value is through funds.
By James K. Glassman • Published
-
Time to Consider Foreign Bonds
In 2023, foreign bonds deserve a place on the fringes of a total-return-oriented fixed-income portfolio.
By Jeffrey R. Kosnett • Published
-
Donor-Advised Funds: A Tax-Savvy Way to Rebalance Your Portfolio
Long-term investors who embrace charitable giving can easily save on capital gains taxes by donating shares when it’s time to get their portfolio back in balance.
By Adam Nash • Published
-
Best Consumer Discretionary Stocks to Buy Now
Consumer discretionary stocks have been challenging places to invest in, but these picks could overcome several sector headwinds.
By Will Ashworth • Published
-
Best Communication Services Stocks to Buy Now
Despite continued macro headwinds, pockets of opportunity remain among the best communication services stocks.
By Tom Taulli • Published
-
Best Mid-Cap Stocks to Buy Now
The best mid-cap stocks are the market's so-called "sweet spot," offering up an ideal combination of financial stability and growth potential.
By Will Ashworth • Published