Aggressive Model Portfolio
Maximum growth for those who can ride out the storms.
20+ years
~40–50%
Young investors with 20+ years to retirement, high earners, and those who view market crashes as buying opportunities rather than threats.
Why This Allocation
The 90/10 allocation is the classic long-horizon posture: almost all of the portfolio is compounding in equities, while a token bond allocation acts as a behavioral governor and rebalancing reserve. Over a 20+ year horizon, the difference between 90/10 and a balanced portfolio compounds into a dramatically larger balance. The 10% bond slice exists less for return and more to give the investor a mechanical, unemotional way to buy stocks during crashes — which is where most of the long-run return is actually earned.
Best for
- Investors 20+ years from retirement
- Building wealth in peak earning years
- Those with high risk capacity and tolerance
Things to Consider
- 50% drawdowns are historically possible
- Requires the discipline not to sell at the bottom
- Should derisk as the time horizon shortens
Related Reading
Model portfolios are educational reference examples of common allocation strategies. They are not personalized investment advice. Your optimal mix depends on your individual age, income, goals, tax situation, and tolerance for risk.
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