Portfolio Allocation

These tax-efficient portfolios are geared toward retirees who are seeking simplicity and balance.

Equity index products are plentiful, but cheap muni funds are scant.

The firm’s municipal-bond funds are solid, but we make some trade-offs on the equity side in the name of tax efficiency.

Featuring solid muni funds and index equity offerings, these portfolios are appropriate for investors’ taxable accounts.

The indexing giant’s top-notch tax-managed, index, and municipal-bond funds make tax-friendly portfolios a cinch.

Our model portfolios are designed to facilitate in-retirement cash flows—and to limit Uncle Sam’s take.

These streamlined portfolios are geared toward retirees who are actively tapping their taxable assets for living expenses.

These portfolios are composed of mutual funds with strong ESG and investing track records.

These in-retirement portfolios invest in ESG-friendly ETFs that should provide marketlike exposures.

These portfolio mixes are geared toward retirees with different time horizons and risk tolerances/capacities.

The topnotch steward fields serviceable—or better—funds in all major asset classes.

These portfolio mixes are geared to retirees with different time horizons and risk tolerances or capacities.

These portfolios feature some of the best no-load, No Transaction Fee funds on Schwab’s platform.

These portfolios use index funds as building blocks, as well as a little bit of cash.

These Fidelity-only examples aim to support spending needs while maintaining long-term growth allocation.

Designed for retirees in tax-sheltered accounts, these portfolios blend index and active funds.

Your remaining time horizon can help determine whether you’re spending too much—or too little.

A dedicated portfolio bucket can help retirees self-fund future care. Here’s how much to set aside, how to invest it, and where to hold it.

Why stock and bond correlations don’t tell the whole story.

From municipal bonds to ETFs and individual stocks, these investments can help you keep more of your taxable account’s returns.