Model Portfolios for Savers and Retirees

Morningstar director of personal finance Christine Benz has developed a series of hypothetical portfolios for savers and retirees. These portfolios are offered as general examples for investors' reference. These portfolios are not personalized recommendations, nor are they investable products offered by Morningstar.

For Retirees
The Bucket Approach to Retirement Allocation
Learn the philosophy underpinning Christine's approach, how she built the portfolios, and how she regularly stress-tests them.

Bucket Portfolios for Retirement Income: Step by Step
In this hour-long video presentation, Christine guides investors through her bucket portfolio-construction process.

Bucket Portfolio Maintenance: There's More Than One Way to Get It Done
The best strategies allow investors to be strategic when tapping long-term assets.

Portfolios Available:

• An Aggressive Retirement Bucket Portfolio (Mutual Funds)

• An Aggressive Retirement Bucket Portfolio (ETFs)

• A Moderate Retirement Bucket Portfolio (Mutual Funds)

• A Moderate Retirement Bucket Portfolio (ETFs)

• A Conservative Retirement Bucket Portfolio (Mutual Funds)

• A Conservative Retirement Bucket Portfolio (ETFs)

• 3 Tax-Efficient 'Bucket' Portfolios for Retirees

• Retirement Bucket Portfolios for Fidelity Investors

• Tax-Efficient Bucket Retirement Portfolios for Fidelity Investors

• Retirement Bucket Portfolios for Vanguard Investors

• Tax-Efficient Bucket Portfolios for Vanguard Investors

• Retirement Bucket Portfolios for T. Rowe Price Investors

• Tax-Efficient Bucket Retirement Portfolios for T. Rowe Investors

• Retirement Bucket Portfolios for Schwab Supermarket Investors

• Tax-Efficient Bucket Retirement Portfolios for Schwab Investors

For Savers
Morningstar's Retirement Saver Portfolios
Learn the philosophy behind these strategic ETF and mutual fund portfolios for investors who are accumulating assets for retirement.

Portfolios Available:

• An Aggressive Retirement Saver Portfolio (Mutual Funds)

• An Aggressive Retirement Saver Portfolio (ETFs)

• A Moderate Retirement Saver Portfolio (Mutual Funds)

• A Moderate Retirement Saver Portfolio (ETFs)

• A Conservative Retirement Saver Portfolio (Mutual Funds)

• A Conservative Retirement Saver Portfolio (ETFs)

• 3 Tax-Efficient Retirement-Saver Portfolios

• Retirement Saver Portfolios for Fidelity Investors

• Tax-Efficient Retirement Saver Portfolios for Fidelity Investors

• Retirement Saver Portfolios for Vanguard Investors

• Tax-Efficient Retirement Saver Portfolios for Vanguard Investors