Model Portfolios

Sample portfolios for various goals and time horizons.

Planning assumption: the long-run, per-asset-class return and volatility our builder and projections use. Set conservatively; it is not a forecast of next year.

6 models · All strategies · Lowest risk first

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Model portfolios, one row per mix. Column headers sort the list.
					Mix
Prioritizes protecting your money.	RiskConservative	Assumption4.6%/yr	Backtested 3Y	BDS exposure<0.1%, low	MixSPSK 80%, MNZL 20%
Balances stability with modest growth.	RiskConservative	Assumption5.1%/yr	Backtested 3Y	BDS exposure<0.1%, low	MixSPSK 60%, MNZL 30%, SPRE 10%
A classic balanced mix.	RiskBalanced	Assumption6.0%/yr	Backtested 3Y	BDS exposure0.2%, low	MixMNZL 40%, SPSK 40%, UMMA 20%
Growth-focused.	RiskGrowth	Assumption7.2%/yr	Backtested 3Y	BDS exposure0.2%, low	MixMNZL 60%, UMMA 30%, SPRE 10%
Full stock exposure across US and emerging markets (developing economies).	RiskGrowth	Assumption7.3%/yr	Backtested 3Y	BDS exposure0.2%, low	MixMNZL 70%, UMMA 30%
Aggressive stocks plus a Bitcoin allocation for speculative upside.	RiskGrowth	Assumption8.6%/yr	Backtested 3Y	BDS exposure0.3%, low	MixMNZL 50%, UMMA 35%, BTCC.B 15%

How these models have done

Backtested Returns

A backtest takes each model's mix of funds and replays it through real past prices, to show what it would have done — nobody actually held it. Below, $10,000 goes into every model on the same day.

Period

Compared with

Rebalanced

Showing 3 years. A model whose youngest fund is newer than that starts where its own history starts, and its row says so.