Vanguard’s Model Portfolios
Vanguard developed its age-based options for conservative, moderate, and aggressive investors. The moderate age-based portfolio is used in this chapter. All of Vanguard’s age-based portfolios use some combination of Vanguard’s Total Stock Market Index Fund, Total International Stock Index Fund, Total Bond Market Index Fund, Inflation-Protected Securities Fund, and its Short-Term Reserves Account.
| Newborn through age five | ||
| Domestic stocks | 60% | |
| International stocks | 15% | |
| Bonds | 25% | |
| Ages six through 10 | ||
| Domestic stocks | 40% | |
| International stocks | 10% | |
| Bonds | 50% | |
| Ages 11 through 15 | ||
| Domestic stocks | 20% | |
| International stocks | 5% | |
| Bonds | 75% | |
| Ages 16 and older | ||
| Bonds | 50% | |
| Inflation-protected securities | 25% | |
| Cash | 25% | |
Action Plan
If you’re not sure how ...
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