Kiplinger 25 Model Portfolios

We've constructed three portfolios using only funds from the Kiplinger 25, a list of our favorite no-load mutual funds, designed for investors with different goals, time horizons and levels of risk tolerance.

Use the models below as a starting point for your own portfolio. Tweak where necessary. Beef up your stocks if you want to be more aggressive, or increase the bond portion of your portfolio if you're risk-averse.

Kiplinger 25 Model Portfolios

1. Aggressive Portfolio

Time horizon: 11 years or more

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Strategy: Invest 80% of assets in stocks and add a stable, core bond fund for the remaining 20%.

Baird Aggregate Bond (BAGSX (opens in new tab)): 20%

Dodge & Cox Stock (DODGX (opens in new tab)): 20%

Primecap Odyssey Growth (POGRX (opens in new tab)): 20%

Heartland Mid Cap Value (HRMDX (opens in new tab)): 10%

Janus Henderson Global Equity Income (HFQTX (opens in new tab)): 10%

T. Rowe Price Small-Cap Value (PRSVX (opens in new tab)): 10%

Baron Emerging Markets (BEXFX (opens in new tab)): 5%

Brown Capital Management International Small Company (BCSVX (opens in new tab)): 5%

2. Moderate Portfolio

Time horizon: Six to 10 years

Strategy: Hold 70% in stocks and 30% in bonds for a more temperate mix.

T. Rowe Price Dividend Growth (PRDGX (opens in new tab)): 20%

Baird Aggregate Bond (BAGSX): 15%

Dodge & Cox Stock (DODGX): 15%

Fidelity International Growth (FIGFX (opens in new tab)): 15%

Fidelity Strategic Income (FADMX (opens in new tab)): 15%

Janus Henderson Global Equity Income (HFQTX): 10%

DF Dent Midcap Growth (DFDMX (opens in new tab)): 5%

T. Rowe Price Small-Cap Value (PRSVX): 5%

3. Conservative Portfolio

Time horizon: Five years or less

Strategy: A steadier blend of 70% bonds and 30% stocks geared primarily for income.

Baird Aggregate Bond (BAGSX): 25%

Fidelity Strategic Income (FADMX): 25%

T. Rowe Price Dividend Growth (PRDGX (opens in new tab)): 15%

Vanguard Equity-Income (VEIPX (opens in new tab)): 15%

T. Rowe Price Floating Rate (PRFRX (opens in new tab)): 5%

TCW Enhanced Commodity Strategy (TGABX (opens in new tab)): 5%

Vanguard Emerging Markets Bond (VEMBX (opens in new tab)): 5%

Vanguard High-Yield Corporate (VWEHX (opens in new tab)): 5%

As of March 31, 2023. *Small-company U.S. stocks.  †Foreign stocks.  #High-grade U.S. bonds.  N/A = Fund not in existence for the entire period.  SOURCES: Fund companies, FTSE Russell, Morningstar Inc., MSCI, S&P Dow Jones Indices.  Yields listed for bond funds are SEC yields, which are net of fees; stock fund yields are the yield for the past 12 months.