Model Portfolio Allocations

Model Portfolio Allocations

? Taxable income is your income that is subject to taxes. Usually this is your income minus any deductions. At higher income levels, municipal bonds have higher returns because they are subject to less taxation.
? Higher percentages of stocks provide more risk and more reward.
? Vanguard - Model portfolio allocations from Vanguard
Merrill Lynch (Tactical) - Portfolio allocations that have been adjusted based on market outlook for the next 12-36 months.
? Simple - 4 Vanguard Index Funds
Simple (ESG) - ESG ETF's for socially responsible/sustainable investing
Advanced - Separate index ETF's for each asset class
Average Return: Max Return: Min Return:
Asset Class Asset Class % Portfolio Portfolio %
Stocks
U.S. Large Cap Growth %
U.S. Large Cap Value %
U.S. Small Cap %
Intl. Developed %
Intl. Emerging Markets %
Bonds
U.S. Government %
U.S. Mortgages %
U.S. Corporates %
U.S. High Yield %
U.S. Investment Grade Tax Exempt %
U.S. High Yield Tax Exempt %
Intl. Bonds %
Cash % Cash