Just Starting
This selection indicates that you desire a strategy and recommendations for a very 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 - 80-90% stock funds/10-20% 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 - 90% large value - 80% equity income (lv) - 80%
multi-sector bond - 10% multi-sector bond - 20% multi-sector bond - 20%$5,000 large growth - 65% large value - 60% equity income (lv) - 65%
- $25,000 foreign (lb) - 20% mid blend - 20% mid value - 15%
multi-sector bond - 15% multi-sector bond - 20% multi-sector bond - 20%$25,000 large growth - 45% large value - 45% equity income (lv) - 55%
- $50,000 foreign (lb) - 20% mid blend - 20% mid value - 15%
mid growth - 20% foreign (lv) - 15% world stock (lb) - 10%
multi-sector bond - 15% multi-sector bond - 20% multi-sector bond - 20%$50,000 large growth - 30% large value - 35% equity income (lv) - 50%
- $75,000 foreign (lb) - 20% mid blend - 20% mid value - 15%
mid growth - 20% foreign (lv) - 15% world stock (lb) - 10%
small blend - 15% small blend - 10% small blend - 5%
multi-sector bond - 15% multi-sector bond - 20% multi-sector bond - 20%$75,000 large growth - 20% large value - 35% equity income (lv) - 45%
- $125,000 foreign (lb) - 20% mid blend - 15% mid value - 15%
mid growth - 20% foreign (lv) - 15% world stock (lb) - 10%
small blend - 15% small blend - 10% small blend - 5%
large value - 10% mid value - 5% mid blend - 5%
multi-sector bond - 15% multi-sector bond - 20% multi-sector bond - 20%$125,000 large growth - 20% large value - 30% equity income (lv) - 40%
- $250,000 foreign (lb) - 20% mid blend - 15% mid value - 15%
mid growth - 15% foreign (lv) - 15% world stock (lb) - 10%
small blend - 15% small blend - 10% small blend - 5%
large value - 10% mid value - 5% mid blend - 5%
mid value - 5% sector - 5% sector - 5%
multi-sector bond - 15% multi-sector bond - 20% multi-sector bond - 20%
$250,000 + large growth - 20% large value - 30% equity income (lv) - 35%
foreign (lb) - 20% mid blend - 15% mid value - 15%
small blend - 15% foreign (lv) - 15% world stock (lb) - 10%
mid growth - 10% small blend - 10% small blend - 5%
large value - 10% mid value - 5% mid blend - 5%
emerging market stock - 5% foreign (s/mv) - 5% foreign (lv) -5%
mid value - 5% sector- 5% sector - 5%
multi-sector bond - 15% multi-sector bond - 20% multi-sector bond - 20%
Recommended Funds
large growth - T. Rowe Price New America Growth (prwax); 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 - American Century Mid Cap Value (acmvx); Delafield (defix); T. Rowe Price Mid-Cap Value (trmcx);
Vanguard Selected Value (vasvx)small growth - T. Rowe Price New Horizons (prnhx)
small blend/value - Royce Dividend Value (rydvx); Royce Low-Priced Stock (rylpx);
Royce Pennsylvania Mutual (pennx); T. Rowe Price Small-Cap Value (prsvx)sector reit - T. Rowe Price Real Estate (trrex)
sector health - T. Rowe Price Health Sciences (prhsx); Vanguard Health Care (vghcx)
foreign large value - Dodge & Cox International Stock (dodfx)
foreign large blend - Oakmark International I (oakix); T. Rowe Price Spectrum International (psilx)
foreign small/mid growth - T. Rowe Price International Discovery (pridx)
foreign small/mid value - Oakmark International Small Cap (oakex)
diversified pacific/asia - Matthews Asian Dividend (mapix)
pacific/asia ex-japan - Matthews Asian Growth & Income (macsx); Matthew 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) - 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)
Website Links and 800 Telephone Numbers
American Century: 345-2021 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
Other Strategies - select from the following:
Established Earner - for long-term, growth-oriented objectives
Soon To Retire - for long-term, balanced-oriented objectives
In Retirement - for long-term, income-oriented objectives
Intermediate and Short-Term - for balanced and income-oriented objectives only
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