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Money Magazine March 04', The Rip Van Winkle Portfolio John Bogle
Money Magazine March 04',  The Rip Van Winkle Portfolio,William Bernstein
Money Magazine August 04', The Starter Portfolio, Young Retirement Investors

The Rip Van Winkle Portfolio, Tax-Sheltered Accounts, John Bogle, founder of Vanguard, Pg 62 March 04' Money Magazine,
Quote from Money Magazine "These portfolios should produce solid returns with low risk and no maintance except steady dollar cost averaging and annual rebalancing."
Vanguard Total Stock Market Index
 VTSMX
 40%
Vanguard Intermediate Term Bond Index
 VBIIX
 30%
Vanguard Total International Stock Index
 VGTSX
 10%
Vanguard Inflation Protected Securities
 VIPSX
 10%
Pimco Foreign Bond D
 PFODX
 10%
The Rip Van Winkle Portfolio, Taxable Accounts, William Bernstein, Efficient Frontier Advisors, Pg 62 March 04' Money Magazine
 Quote from Money Magazine "These portfolios should produce solid returns with low risk and no maintance except steady dollar cost averaging and annual rebalancing."
Vanguard Tax Managed Growth and Income
 VTGIX
 30%
Vanguard Intermediate Term Tax Exempt
 VWITX
 20%
Vanguard Limited Term Tax Exempt
 VMLTX
 20%
Vanguard Tax Managed Small Cap
 VTMSX
 15%
Vanguard Tax Managed International
 VTMGX
 15%

The Starter Portfolio, Young Retirement Investors
Quote from Money Magazine "For young retirement investors...A portfolio that's 95% stocks and only 5% bonds is extremely volatile. Thanks in part to a gut wrenching 20.5% drop in 2002. It would lost money (almost 5%) over the past five years. But over the past 10 years, that mix delivered a compound annual return of 11.2%."
Vanguard Total Stock Market Index
 VTSMX 95%
Vanguard Total Bond Market Index VBMFX
 5%


Kiplinger Portfolio Examples

Kiplinger Picks Long Term, Medium Term and Short Term Portfolios from http://kiplinger.com/

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 Mutual Funds for Dummies Portfolio Examples

Mutual Fund For Dummies 3rd Edition 2001 Eric Tyson, MBA.
Quotes form Mutual Fund For Dummies: ".... earn good money, are in their 40s...wamt diversification and are willing to invest aggressively...could establish his Keogh plan through a discount brokerage account that offers him access to a  variety of funds from many firms."
Dodge and Cox Income
 DODIX
 15%
Vanguard Total Bond Market Index
 VBMFX
 15%
Vanguard Total Stock Market Index
 VTSMX 10%
Masters' Select Equity
 MSEFX
 10%
T.Rowe Price Spectrum Growth
 PRSGX
 20%
Vanguard International Growth
 VWIGX
 15%
Vanguard Total International Stock Index
 VGTSX
 15%

Mutual Fund For Dummies 3rd Edition 2001 Eric Tyson, MBA.
Age 59, will retire in 6 years,  low to moderate tax bracket.
Retirement 403(b) account:
Vanguard Wellesley Income
 VWINX
 25%
Vanguard Star
 VGSTX
 25%
Vanguard Wellington
 VWELX
 25%
Vanguard LifeStrategy Moderate Growth
 VSMGX
 25%

Taxable Account:
Vanguard Total Bond Market Index
 VBMFX
 25%
Dodge & Cox Balanced
 DODBX
 20%
TIAA-CREF Managed Allocation
 TIMAX
 25%
T.Rowe Price Personal Strategy Balanced
 TRPBX
 20%
Fidelity Puritan
 FPUR
 10%

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Fundadvice Portfolio Examples

Over 20 Market-Timed, Buy-and-Hold, and Exchange Traded Fund (ETF) Portfolios from http://www.fundadvice.com/

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 Smart Money Portfolio Examples

From Smart Money Magazine "Core and Explore" Method of Portfolio Management.
Quote "The "Core" funds of a portfolio are broad-market index funds or exchange traded funds such as the Vanguard Total Stock Market Index fund (VTSMX) or Barclays iShares Russell 3000 (IWV), which represent about 98% of the market...., For the Core Bond portion use Vanguard Total Bond Market (VBFMX) or iShares Lehman Aggregate Bond (AGG)." "Depending on your risk tolerance and how much you want to "play" in your portfolio, the "core" position can make up anywhere from 50 to 90 % of your equity portion. The remainder is where you speculate "Explore" ".Three model portfolios...for the "Explore" portion are as follows":

Conservative
Vanguard Total Bond Market Index
 VBMFX
 60%
Vanguard Total Stock Market Index
or    iShares Russell 3000
 VTSMX
IWV
 24%
T.Rowe Price Mid-Cap Growth
or   Vanguard Mid Cap Growth Index
 RPMGX
VMGRX
 8%
Third Avenue Small Cap Value
 TASCX
 4%
Laudus Rosenberg Value Long/Short
or    Franklin U.S. Long/Short
 BRMIX
FUSLX
 4%

Moderate
Vanguard Total Bond Market Index
 VBMFX
 30%
Vanguard Total Stock Market Index
or    iShares Russell 3000
 VTSMX
IWV
 42%
Selected Special
Vanguard Mid Cap Index
 SLSSX
VIMSX
 14%
Royce Premier
Vanguard Small Cap Index
 RYPRX
NAESX
 7%
Fidelity Select Technology
Nasdaq 100 Index
 FSPTX
QQQQ
 7%

Aggressive
Vanguard Total Bond Market Index
 VBMFX
 10%
Vanguard Total Stock Market Index
or    iShares Russell 3000
 VTSMX
IWV
 50%
Pimco RCM Global Tech
or   Nasdaq 100 Index
 DGTNX
QQQQ
 10%
Julius Baer Int'l Equity
or    Vanguard Total Int'l Stock
 BJBIX
VGTSX
 10%
Sentinel Small Company
or    Vanguard Small Cap Growth Index
 SAGWX
VISGX
 10%
Oppenheimer Developing Markets
or    Vanguard Emerging Markets Stock Index
 ODMAX
VEIEX
 10%

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 Retirement Funds Portfolios, Note: Bond % will increase when you get closer to retirement, Disclaimer: check with companies to get actual stock and bond percentages

NAME
 TICKER
 CASH %
 STOCKS %
 BONDS %
 OTHER %
 FOREIGN %
Vanguard Retirement 2005
 VTOVX
 1.7
 32.7
 65.5
 0.0
 0.0
Vanguard Retirement 2015 VTXVX
 1.1
 48.2
 50.6
 0.2
 9.6
Vanguard Retirement 2025 VTTVX
 1.0
 58.6
 40.2
 0.2
 11.6
Vanguard Retirement 2035 VTTHX
 0.7
 77.5
 21.6
 0.3
 15.4







Fidelity Freedom 2005
 FFFVX
 17.6
 43.5
 38.4
 0.5
 6.6
Fidelity Freedom 2015 FFVFX
 10.1
 58.5
 30.4
 0.6
 10.2
Fidelity Freedom 2025 FFTWX
 4.6
 75.4
 19.2
 0.8
 14.0
Fidelity Freedom 2035 FFTHX
 3.5
 82.4
 13.3
 0.9
 17.3







T.Rowe Price Retirement 2005
 TRRFX
 13.0
 60.2
 26.2
 0.5
 10.2
T.Rowe Price Retirement 2015 TRRGX
 7.9
 72.0
 19.6
 0.6
 14.3
T.Rowe Price Retirement 2025 TRRHX
 4.6
 84.3
 10.6
 0.6
 18.6
T.Rowe Price Retirement 2035 TRRJX
 4.5
 89.0
 5.8
 0.6
 19.8

Note: These Vanguard, Fidelity and T.RowePrice funds do not agree on the % mix of stocks and bonds;
           However, all three have a similar foreign stock mix.

Example: If your 35 years old and expect to retire  30 years from now at age  65, Retirement 2035 Funds:
                Vanguard  21.6% Bonds,
                    Fidelity 13.3% Bonds
           T.Rowe Price  5.8%  Bonds

      Vanguard has a larger % of Bonds (Your age is closer to your Bond %), then Fidelity and T.Rowe Price

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