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Kiplinger’s Simple Long-Term Portfolio
By JLP | February 22, 2008
I was thumbing through Kiplinger’s Mutual Funds 2008 and saw their model portfolio for long-term investors. They define long-term as 10 or more years away. This is an all-stock portfolio:
| Kiplinger’s Long-Term Portfolio (Using Vanguard Funds) |
||
|---|---|---|
| 35% | Large-Cap Domestic Stocks | Vanguard 500 Index (VFINX) |
| 25% | Small-Cap Domestic Stocks | Vanguard Small-Cap (NAESX) |
| 25% | Large-Cap International Stocks | Vanguard Total International Stock Fund (VGTSX) |
| 10% | Real Estate Investment Trust | Vanguard REIT (VGSIX) | 5% | International Emerging Markets | Vanguard Emerging Market Stock Fund (VEIEX) |
I think this looks like a pretty good portfolio assuming you can meet Vanguard’s minimums, which as I understand them, would require a minimum of $60,000 if you wanted to purchase all five funds at the above allocations as Vanguard has a minimum of $3,000 per fund. You could always start out with a smaller number of funds and diversify as your account grows. Or, you could start off with Vanguard’s Star Fund (VGSTX), which has a $1,000 minimum and offers a conservative (VERY conservative) allocation among different Vanguard funds (click here to find out more).
Topics: Index Funds, Investing |


