40/60
36% Equity
U.S. Large-Cap Blend
9% Vanguard Institutional Index
U.S. Small-Cap Blend
9% Vanguard Extended Index
International Large-Cap Blend
18% Vanguard Total Stock International Index
4% REITs
4% Vanguard REIT Index
60% Fixed Income
Intermediate Bond
60% Vanguard Total Bond Market Index
60/40
54% Equity
U.S. Large-Cap Blend
13% Vanguard Institutional Index
U.S. Small-Cap Blend
14% Vanguard Extended Index
International Large-Cap Blend
27% Vanguard Total Stock International Index
6% REITs
6% Vanguard REIT Index
40% Fixed Income
Intermediate Bond
40% Vanguard Total Bond Market Index
80/20
72% Equity
U.S. Large-Cap Blend
18% Vanguard Institutional Index
U.S. Small-Cap Blend
18% Vanguard Extended Index
International Large-Cap Blend
36% Vanguard Total Stock International Index
8% REITs
8% Vanguard REIT Index
20% Fixed Income
Intermediate Bond
20% Vanguard Total Bond Market Index
The following asset classes are missing from this portfolio:
Emerging Markets
U.S. REITS
International REITS
TIPS (inflation-protected)
You should try to invest in as many of these asset classes as possible through IRA or individual taxable accounts to arrive at a portfolio that comes close to the chart below: