Models

Asset AllocationThe "Quarter Million Dollar" model portfolio is designed for those within 10 to 15 years of retirement who know they will need more to retire on.

To use this portfolio, you do not need a quarter million dollars to get started, but should be starting with some six or seven figure amount. If you are within 15 years of retirement and don't have six figures saved, once you have subscribed, contact me to schedule a personal consultation and we will talk about which approaches within Fundamental Trends make the most sense for you. If you are more than 15 years from retirement you should be taking a more aggressive approach.

This portfolio has two simple to state, yet hard to achieve goals:

  • Take less risk than the equity markets.
  • Quadruple your portfolio regardless of market direction within 10-15 years.

In the list of updates below, I also include a very scrubbed list of the best no-load mutual funds that can be used to adjust your core asset allocation and within 401(k) plans. The mutual funds I have selected are among the very best and are low cost. There are inherent problems with mutual funds you should be aware of, so please visit my Reports section and read my "Mutual Fund Guide & Fund Favorites."

I am providing two model portfolios for equities in order to give some guidance to portfolio structure. We know that volatility is about 90% dependent on portfolio asset allocation and construction. As a result, we want to have a process that is easy to understand visually for building our asset allocations.