40/60
40% Equity
U.S. Large-Cap Blend
4% Vanguard Institutional Index
U.S. Large-Cap Value
5% DFA U.S. Large Cap Value
U.S. Small-Cap Growth
9% JPM Small Cap Growth
International Large Cap Blend
18% Vanguard Total International Stock
U.S. REIT
4% Vanguard REIT
60% Fixed Income
Intermediate-Term Bond
45% Vanguard Total Bond
Short-Term Bond
15% FMMT Retire Gov
60/40
60% Equity
U.S. Large-Cap Blend
6% Vanguard Institutional Index
U.S. Large-Cap Value
7% DFA U.S. Large Cap Value
U.S. Small-Cap Growth
14% JPM Small Cap Growth
International Large Cap Blend
27% Vanguard Total International Stock
U.S. REIT
6% Vanguard REIT
40% Fixed Income
Intermediate-Term Bond
30% Vanguard Total Bond
Short-Term Bond
10% FMMT Retire Gov
80/20
80% Equity
U.S. Large-Cap Blend
9% Vanguard Institutional Index
U.S. Large-Cap Value
9% DFA U.S. Large Cap Value
U.S. Small-Cap Growth
18% JPM Small Cap Growth
International Large Cap Blend
36% Vanguard Total International Stock
U.S. REIT
8% Vanguard REIT
20% Fixed Income
Intermediate-Term Bond
15% Vanguard Total Bond
Short-Term Bond
5% FMMT Retire Gov
The following asset classes are missing from this portfolio:
U.S. Small-Cap Value
International Large-Cap Value
International Small-Cap Growth
International Small-Cap Value
Int'l REITS
TIPS (inflation protection)
You should try to invest in as many of these asset classes as possible through IRA or individual taxable accounts to arrive at a portfolio that comes close to the chart below:
