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Home Street Bank

Home street bank

40/60

40% Equity

U.S. Large-Cap Blend
9% S&P 500 Index
U.S. Small-Cap Growth
4%  Vanguard Small Cap Admiral Shares
U.S. Small-Cap Value
5% Allianz NFJ Small Cap Value
International Large-Cap Growth
18%  Vanguard Developed Markets
REIT
4% Virtus Real Estate

60% Fixed Income

Intermediate-Term Bond
45%  Vanguard Total Bond Market
Short-Term Bond
15% Wells Fargo Stable Value
 

60/40

60% Equity

U.S. Large-Cap Blend
13% S&P 500 Index
U.S. Small-Cap Growth
7%  Vanguard Small Cap Admiral Shares
U.S. Small-Cap Value
7% Allianz NFJ Small Cap Value
International Large-Cap Growth
27%  Vanguard Developed Markets
REIT
6% Virtus Real Estate

40% Fixed Income

Intermediate-Term Bond
30%  Vanguard Total Bond Market
Short-Term Bond
10% Wells Fargo Stable Value

80/20

80% Equity

U.S. Large-Cap Blend
18% S&P 500 Index
U.S. Small-Cap Growth
9%  Vanguard Small Cap Admiral Shares
U.S. Small-Cap Value
9% Allianz NFJ Small Cap Value
International Large-Cap Growth
36%  Vanguard Developed Markets
REIT
8% Virtus Real Estate

20% Fixed Income

Intermediate-Term Bond
15%  Vanguard Total Bond Market
Short-Term Bond
5% Wells Fargo Stable Value

The following asset classes are missing from this portfolio:
Int'l Large-Cap Value
Int'l Small-Cap Growth
Int'l Small-Cap Value
Emerging Markets
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:

401411-allocation chart.png