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Investing Specialists

A Conservative Portfolio in 3 Buckets

This asset mix is targeted toward risk-shy investors with time horizons of roughly 15 years.

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"What about us older retirees?"

That's what many readers are likely wondering when they view my moderate and aggressive "bucket" portfolios for retirees. The moderate versions (both exchange-traded fund and traditional mutual fund) are geared toward retired investors with a 20-year time horizon and feature more than 40% in stocks and the remainder in bonds; the latter target investors with a 25- to 30-year time horizon and feature an even more aggressive 50% stock/50% bond allocation. Such heavy equity weightings are too risky for investors with shorter time horizons who are actively tapping their portfolios for living expenses.

Christine Benz does not own (actual or beneficial) shares in any of the securities mentioned above. Find out about Morningstar’s editorial policies.