Portfolio strategies recommended by experts
Discover long-term portfolio models built for different risk profiles. Each model is designed to stay simple, diversified, and aligned with the goals of mainstream investors.
Conservative portfolio
A conservative portfolio reduces volatility while still capturing growth. Ideal for investors close to retirement or seeking a stable savings base.
- 50% global stock ETFs
- 40% government bond ETFs
- 10% cash or short-duration bonds
Balanced portfolio
This model is suitable for investors who want growth with moderate volatility. It keeps a strong equity core while maintaining a meaningful fixed income cushion.
- 60% global stock ETFs
- 30% bond ETFs
- 10% real assets or income-focused ETFs
Growth portfolio
Designed for investors with a long horizon, this portfolio favors equity exposure and is appropriate for those who can tolerate market swings.
- 80% global stock ETFs
- 15% bond ETFs
- 5% alternative or real asset ETFs
Income-focused portfolio
For investors seeking predictable cash flow, this portfolio blends dividend-paying equities with higher-quality income bonds.
- 50% dividend or broad equity ETFs
- 35% bond ETFs
- 15% real estate or infrastructure ETFs
Bring strategy into the premium tools
Use these models as target allocations in the portfolio analyzer. Then compare your current holdings to decide if you should rebalance, trim risk, or increase your savings rate.