20 Years Til Retirement ETFdb Portfolio

Published on by on September 3, 2009 | Updated November 20, 2014

Portfolio Strategy

Intermediate to Long Time HorizonIntermediate to High Risk ToleranceLow to Intermediate Current IncomeThe 20 Years Til Retirement ETFdb Portfolio is designed for clients who expect to retire in approximately 20 years, and expect to live for approximately 30 years following their retirement. This ETFdb Portfolio is inspired by numerous widely-accepted investment strategies that advocate an allocation of roughly three-quarters in equities and one-fifth to fixed income. Although many investors have shied away from real estate investments in recent years, we believe this asset class can still provide valuable return enhancement and diversification benefits (particularly over the long term), and as such have given it a small allocation. We have tilted the equity allocation heavily towards large cap U.S. stocks through IVV, but retain a significant amount of small cap and international exposure through other ETFs.

This portfolio may be excessively risky for retired investors, but may have an unnecessarily large allocation to fixed income investments for investors facing a long time horizon and/or a relatively high ability to take on risk.

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