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Village Life

Village Life (Updated 6.21.18)

40/60

40% Equity

U.S. Large-Cap Blend
5% Schwab S&P 500 Index
U.S. Small-Cap Value
15%  DFA US Small Cap 1
International Equity Blend
15%  DFA International Core Equity 1
Emerging Markets
5%  DFA Emerging Markets Core Equity 1 

60% Fixed Income

Inflation Protected Securities
12% DFA Inflation Protected Securities 1
Short-Term Bonds
18%  Vanguard Short Term Federal Admiral
Intermediate Bonds
30% Metropolitan West Total Return Bond 1

 

60/40

60% Equity

U.S. Large-Cap Blend
7.5% Schwab S&P 500 Index
U.S. Small-Cap Value
22.5%  DFA US Small Cap 1
International Equity Blend
22.5%  DFA International Core Equity 1
Emerging Markets
7.5%  DFA Emerging Markets Core Equity 1 

40% Fixed Income

Inflation Protected Securities
8% DFA Inflation Protected Securities 1
Short-Term Bonds
12%  Vanguard Short Term Federal Admiral
Intermediate Bonds
20% Metropolitan West Total Return Bond 1

 

80/20

80% Equity

U.S. Large-Cap Blend
10% Schwab S&P 500 Index
U.S. Small-Cap Value
30%  DFA US Small Cap 1
International Equity Blend
30%  DFA International Core Equity 1
Emerging Markets
10%  DFA Emerging Markets Core Equity 1

20% Fixed Income

Inflation Protected Securities
4% DFA Inflation Protected Securities 1
Short-Term Bonds
6%  Vanguard Short Term Federal Admiral
Intermediate Bonds
10% Metropolitan West Total Return Bond 1   

The following asset classes are missing from this portfolio:
U.S. REITS
Int'l REITS

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