Moderately Aggressive Model Portfolio
Growth-oriented, with a cushion for the rough patches.
15–25 years
~30–40%
Investors 15+ years from retirement, high savers, and those with a demonstrated ability to stay invested through downturns.
Why This Allocation
At 70% equities, this portfolio captures most of the market's long-run compounding while the 25% bond allocation still softens the worst bear markets. The larger international weight reflects a tilt toward global market-cap weighting, protecting against prolonged US underperformance. This is the highest-risk allocation where the bond sleeve still materially reduces drawdowns — above this point, bonds become a rounding error and the portfolio behaves more like a pure equity strategy.
Best for
- Investors 15+ years from retirement
- High savers targeting aggressive long-term growth
- Those who stayed invested through a prior downturn
Things to Consider
- Expect occasional 30%+ declines
- Requires conviction to rebalance into falling markets
- Sequence risk becomes material as retirement nears
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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