Established Earner
This selection indicates that you desire a strategy and recommendations for a long-term, growth-oriented return objectives. The strategies are listed in ascending portfolio size with conservative, moderate and aggressive risk tolerances. Fund categories are designated by Morningstar style definitions (e.g., large value, mid blend, small growth, multi-sector bond, short-term corporate, etc.)Recommended 100% no-load mutual funds are listed, including ticker symbols, at the bottom of the page. Morningstar is an excellent research site to learn more about the funds; simply type the fund symbol in the box on their home page and hit enter on your keyboard.
Basic Allocation Mix - 65-75% stock funds/25-35% bond funds
* -- for aggressive risk tolerances, large blend can replace large growth to slightly decrease the risk tolerance.
** -- for moderate risk tolerances, large blend can replace large value to slightly increase the risk tolerance.Portfolio Size Aggressive * Moderate ** Conservative
$5,000 large growth - 75% large value - 65% equity income (lv) - 65%
multi-sector bond - 25% multi-sector bond - 35% multi-sector bond - 35%$5,000 large growth - 60% large value - 45% equity income (lv) - 50%
- $25,000 foreign (lb) - 15% mid blend - 20% mid value - 15%
multi-sector bond - 25% multi-sector bond - 35% multi-sector bond - 35%$25,000 large growth - 35% large value - 35% equity income (lv) - 45%
- $50,000 foreign (lb) - 20% mid blend - 15% mid value - 10%
mid growth - 20% foreign (lv) - 15% world stock (lb) - 10%
multi-sector bond - 25% multi-sector bond - 35% multi-sector bond - 35%$50,000 large growth - 25% large value - 25% equity income (lv) - 40%
- $75,000 foreign (lb) - 20% mid blend - 15% mid value - 10%
mid growth - 15% foreign (lv) - 15% world stock (lb) - 10%
small blend - 15% small value - 10% small value - 5%
multi-sector bond - 25% multi-sector bond - 35% multi-sector bond - 35%$75,000 large growth - 20% large value - 25% equity income (lv) - 35%
- $150,000 foreign (lb) - 20% mid blend - 15% mid value - 10%
mid growth - 15% foreign (lv) - 15% world stock (lb) - 10%
small blend - 15% small value - 5% small value - 5%
large value - 5% mid value - 5% mid blend - 5%
multi-sector bond - 25% multi-sector bond - 35% multi-sector bond - 35%$150,000 large growth - 20% large value - 25% equity income (lv) - 35%
- $250,000 foreign (lb) - 20% mid blend - 15% mid value - 10%
mid growth - 15% foreign (lv) - 10% world stock (lb) - 10%
small blend - 15% small value - 5% small value - 5%
large value - 5% mid value - 5% mid blend - 5%
emerging market stock -5% foreign (s/mv) - 5% multi-sector bond - 25%
multi-sector bond - 25% multi-sector bond - 35% govt mortgage bond - 10%$250,000 + large growth - 15% large value - 20% equity income (lv) - 30%
foreign (lb) - 25% foreign (lv) - 10% mid value - 10%
mid growth - 15% mid blend - 10% world stock (lb) - 10%
small blend - 10% small value - 10% small value - 5%
large value - 5% mid value - 5% mid blend - 5%
mid value - 5% foreign (s/mv) - 5% sector - 5%
emerging market stock - 5% sector - 5% multi-sector bond - 20%
multi-sector bond - 15% multi-sector bond - 30% short-term corp bond - 10%
high-yield bond - 10% high-yield bond - 5% govt mortgage bond - 5%
Recommended Fundslarge growth - T. Rowe Price Growth Stock (prgfx); T. Rowe Price Spectrum Growth (prsgx)
large blend - T. Rowe Price Dividend Growth (prdgx); Vanguard Dividend Growth (vdigx)
large value - Dodge & Cox Stock (dodgx); T. Rowe Price Equity Income (prfdx);
Vanguard Equity Income (veipx); Vanguard Windsor II (vwnfx)mid growth - Meridian Growth (merdx); T. Rowe Price Mid-Cap Growth (rpmgx)
mid blend - Meridian Value (mvalx); Royce Premier (ryprx)
mid value - T. Rowe Price Mid-Cap Value (trmcx)
small growth - Royce Value Plus (ryvpx)
small blend - Royce Low-Priced Stock (rylpx); Royce Micro Cap (ryotx); Royce Pennsylvania Mutual (pennx)
small value - Delafield (defix); Royce Total Return (rytrx)
sector reit - T. Rowe Price Real Estate (trrex)
sector health - T. Rowe Price Heath Sciences (prhsx)
foreign (large value) - Dodge & Cox International Stock (dodfx); Vanguard International Value (vtrix)
foreign (small/mid growth) - T. Rowe Price International Discovery (pridx)
foreign (small/mid value) - Oakmark International Small Cap (oakex)
pacific/asia ex-japan - Matthews Asian Growth & Income (macsx); Matthews Pacific tiger (maptx)
latin america - T. Rowe Price Latin America (prlax)
diversified emerging markets - T. Rowe Price Emerging Markets Stock (prmsx)
world stock (large blend) - Oakmark Global I (oakgx)
balanced (moderate allocation) - Dodge & Cox Balanced (dodbx); Oakmark Equity & Income (oakbx);
T. Rowe Price Capital Appreciation (prwcx); Vanguard Wellington (vwelx)balanced (conservative allocation) - Vanguard Wellesley Income (vwinx)
multi-sector bond - Dodge & Cox Income (dodix); Loomis Sayles Bond (lsbrx);
T. Rowe Price Spectrum Income (rpsix)high-yield bond - T. Rowe price High-Yield (prhtx); Vanguard High-Yield Corporate (vwehx)
short-term corporate bond - Vanguard Short-Term Investment-Grade (vfstx)
government mortgage bond - Vanguard GNMA (vfiix)
800 Telephone Numbers
Delafield: 697-3863 Dodge & Cox: 621-3979 Loomis Sayles: 633-3330
Matthews Asia : 789-2742 Meridian: 446-6662 Oakmark: 625-6275
Royce: 221-4268 T. Rowe Price: 638-5660 Vanguard: 662-7447
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