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): 20%

Dodge & Cox Stock (DODGX): 20%

Primecap Odyssey Growth (POGRX): 20%

Heartland Mid Cap Value (HRMDX): 10%

Janus Henderson Global Equity Income (HFQTX): 10%

T. Rowe Price Small-Cap Value (PRSVX): 10%

Baron Emerging Markets (BEXFX): 5%

Brown Capital Management International Small Company (BCSVX): 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): 20%

Baird Aggregate Bond (BAGSX): 15%

Dodge & Cox Stock (DODGX): 15%

Fidelity International Growth (FIGFX): 15%

Fidelity Strategic Income (FADMX): 15%

Janus Henderson Global Equity Income (HFQTX): 10%

DF Dent Midcap Growth (DFDMX): 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): 15%

Vanguard Equity-Income (VEIPX): 15%

T. Rowe Price Floating Rate (PRFRX): 5%

TCW Enhanced Commodity Strategy (TGABX): 5%

Vanguard Emerging Markets Bond (VEMBX): 5%

Vanguard High-Yield Corporate (VWEHX): 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.