Moderate Model Portfolio
The classic balanced portfolio for the middle of your investing life.
10–20 years
~20–30%
Mid-career savers, investors 10+ years from retirement, and anyone who can tolerate a moderate decline without abandoning their plan.
Why This Allocation
The 50/45/5 split captures most of the long-run return of a growth portfolio while cutting worst-case drawdowns roughly in half versus an all-stock allocation. The international equity component hedges single-country risk, and the bond sleeve provides dry powder for rebalancing when stocks fall. This is the allocation that best matches the psychological profile of the average long-term investor: enough equity to build wealth, enough bonds to sleep at night.
Best for
- Investors 10+ years from retirement
- Balancing growth with downside protection
- Those who want a set-and-forget baseline
Things to Consider
- Returns will trail an aggressive portfolio in strong markets
- Requires periodic rebalancing to stay on target
- May need a cash buffer for near-term spending
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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