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The College Solution: A Guide for Everyone Looking for the Right School at the Right Price by Lynn O’Shaughnessy

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Vanguard’s Model Portfolios

Vanguard developed its age-based options for conservative, moderate, and aggressive investors. The moderate age-based portfolio is used in this chapter. All of Vanguard’s age-based portfolios use some combination of Vanguard’s Total Stock Market Index Fund, Total International Stock Index Fund, Total Bond Market Index Fund, Inflation-Protected Securities Fund, and its Short-Term Reserves Account.

Newborn through age five 
 Domestic stocks60%
 International stocks15%
 Bonds25%
Ages six through 10 
 Domestic stocks40%
 International stocks10%
 Bonds50%
Ages 11 through 15 
 Domestic stocks20%
 International stocks5%
 Bonds75%
Ages 16 and older 
 Bonds50%
 Inflation-protected securities25%
 Cash25%

Action Plan

If you’re not sure how ...

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