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
Portfolio Size Aggressive Moderate Conservative
$5,000
large growth - 75%
large value - 65%
large value (equity income) - 65%
multi-sector bond - 25% multi-sector bond
- 35%
multi-sector bond - 35%
$5,000
large growth - 60%
large value - 45%
large value (equity income) - 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%
large value (equity income) - 45%
- $50,000
foreign (lb) -
20%
mid blend - 15%
mid value - 10%
mid growth -
20%
global (lb) -
15%
global (lb) - 10%
multi-sector bond - 25% multi-sector bond
- 35%
multi-sector bond - 35%
$50,000
large growth - 25%
large value - 25%
large value (equity income) - 40%
- $75,000
foreign (lb) -
20%
mid blend - 15%
mid value - 10%
mid growth - 15%
global (lb) -
15%
global (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%
large value (equity income) - 35%
- $150,000 foreign
(lb) -
20%
mid blend -
15%
mid value - 10%
mid growth - 15%
global (lb) -
15%
global (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 -
15%
large value - 25%
large value (equity income) - 30%
foreign (lb) - 15%
mid blend - 10%
mid value - 10%
mid growth -
15%
global (lb) - 10%
global (lb) - 10%
small blend -
15%
small value -
10%
small value - 5%
large value - 10% mid value -
5%
mid blend - 5%
mid value -
5%
reit -
5%
reit - 5%
multi-sector bond -
15% multi-sector bond
- 30%
multi-sector bond - 25%
high-yield bond -
10%
high-yield bond -
5%
govt mortgage bond - 10%
Recommended Funds
large growth - T. Rowe Price
Growth Stock (prgfx); T. Rowe Price Spectrum Growth (prsgx);
Vanguard Morgan Growth (vmrgx)
large blend - T. Rowe Price Dividend Growth (prdgx)
large value - Dodge & Cox Stock (dodgx); T. Rowe
Price Equity Income (prfdx);
T. Rowe Price Value (trvlx); 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)
mid value - T. Rowe Price Mid-Cap Value (trmcx)
small growth - Royce Value Plus Service (ryvpx); T. Rowe Price New Horizons (prnhx)
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); T. Rowe Price International Growth & Income (trigx)
foreign (large blend) - Vanguard International Value (vtrix)
foreign (small/mid growth) - T. Rowe Price International Discovery - pridx
diversified emerging markets - T. Rowe Price Emerging Markets Stock (prmsx)
global (large blend) - Oakmark Global I (oakgx); T. Rowe Price Global Stock (prgsx); Vanguard Global Equity (vhgex)
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)
government mortgage bond - Vanguard GNMA (vfiix)
800 Telephone Numbers
Delafield: 682-4683 Dodge & Cox: 621-3979 Loomis Sayles: 633-3330 Meridian: 446-6662
Oakmark: 625-6275 Royce: 221-4268 T. Rowe Price: 638-5660 Vanguard: 662-7447
