Examples

All-purpose

The textbook 60% stocks / 40% bonds split. Stocks drive long-term growth while bonds cushion the downturns and reduce swings. A sensible all-purpose middle ground — less growth than all-stock, but noticeably smoother.

All-purpose

A dividend-oriented US equity sleeve (60%) anchored by total-market bonds (40%). Tilts toward established, income-paying companies that are often less volatile — but it can lag in growth- and tech-led rallies.

All-purpose

The whole world in two funds: one total-world stock fund (VT) and one total-bond fund (BND), in a 60/40 split. The simplest way to own global stocks and bonds — nothing to pick, nothing to overweight, one trade to rebalance.

Growth

100% stocks, 70% US and 30% international. Aims for long-run growth and accepts the largest swings and deepest drawdowns. Typically suited to long horizons and investors who won't panic-sell in a crash.

Growth

The entire global stock market in a single fund (VT) — thousands of companies across the US, developed and emerging markets, self-rebalancing by construction. The ultimate in simplicity: nothing to pick, nothing to rebalance, but with full all-stock volatility and drawdowns.

Growth

Total US stocks + total international stocks + total bonds. Like Classic Balanced, but it diversifies the stock sleeve worldwide so you're not betting on a single country — at the cost of tracking the US market less closely.

Growth

All-stock with a large-cap growth tilt: total US market plus an extra slug of big-tech/growth (Nasdaq-100), rounded out with international. Higher upside in growth-led rallies, but expect deeper drawdowns when growth falls out of favor.

Preservation

Equal weights in stocks, long-term Treasuries, cash, and gold — one asset chosen to do well in each economic 'season' (growth, recession, inflation, deflation). Very smooth, with modest expected return.

Preservation

Spreads risk across stocks, long- and intermediate-term bonds, gold, and commodities so something tends to hold up in any environment. Designed for low drawdowns and a steady ride; usually trails an all-stock portfolio over long bull markets.

Preservation

Bond-heavy (50% bonds + 10% inflation-protected bonds) with a small stock and REIT sleeve. Prioritizes capital preservation and income over growth — suited to shorter horizons or a lower tolerance for losses.

Preservation

A balanced five-way split across large-cap and small-cap-value stocks, long- and short-term Treasuries, and gold. Aims for steady growth with controlled drawdowns by mixing assets that rarely fall together.

Growth

Equal 25% quarters of US stocks, international stocks, bonds, and real estate (REITs). The simplest way to hold four distinct building blocks; rebalancing keeps any one from dominating.

Growth

Diversified the way large institutions often are: global stocks with an emerging-markets tilt, plus real assets (REITs and commodities) and a bond sleeve. More moving parts than a two-fund mix, in exchange for return drivers that don't all depend on the US stock market.