Insperity

40/60

40% Equity

U.S. Large-Cap Blend
9% BNY Mellon S&P 500 Index Fund
U.S. Small-Cap Growth
9% Buffalo Small-Cap Fund 
International Large-Cap Growth
18% American Century Europacific Growth Fund
REIT
4% Virtus Real Estate Securities Fund 

60% Fixed Income

Intermediate Bond
45% PIMCO Total Return Fund 
TIPS
15% American Century Inflation Adjusted Bond Fund

60/40

60% Equity

U.S. Large-Cap Blend
13% BNY Mellon S&P 500 Index Fund
U.S. Small-Cap Growth
14% Buffalo Small-Cap Fund 
International Large-Cap Growth
27% American Century Europacific Growth Fund
REIT
6% Virtus Real Estate Securities Fund 

40% Fixed Income

Intermediate Bond
30% PIMCO Total Return Fund 
TIPS
10% American Century Inflation Adjusted Bond Fund

80/20

80% Equity

U.S. Large-Cap Blend
18% BNY Mellon S&P 500 Index Fund
U.S. Small-Cap Growth
18% Buffalo Small-Cap Fund 
International Large-Cap Growth
36% American Century Europacific Growth Fund
REIT
8% Virtus Real Estate Securities Fund 

20% Fixed Income

Intermediate Bond
15% PIMCO Total Return Fund 
TIPS
5% American Century Inflation Adjusted Bond Fund

The following asset classes are missing from this portfolio:

U.S. Large-Cap Value
U.S. Small-Cap Value
Int'l Large-Cap Value
Int'l Small-Cap Growth
Int'l Small-Cap Value
Emerging Markets
Int'l REITS
Short-Term Bonds

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: