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Vanguard portfolio allocation models

Income

An income-oriented investor seeks current income with minimal risk to principal, is comfortable with only modest long-term growth of principal, and has a short- to mid-range investment time horizon.

100% bonds



Historical Risk/Return (1926–2017)
Average annual return5.4%
Best year (1982)32.6%
Worst year (1969)–8.1%
Years with a loss14 of 92

100% bonds



Historical Risk/Return (1926–2017)
Average annual return5.4%
Best year (1982)32.6%
Worst year (1969)–8.1%
Years with a loss14 of 92

100% bonds



Historical Risk/Return (1926–2017)
Average annual return5.4%
Best year (1982)32.6%
Worst year (1969)–8.1%
Years with a loss14 of 92


Balanced

A balanced-oriented investor seeks to reduce potential volatility by including income-generating investments in his or her portfolio and accepting moderate growth of principal, is willing to tolerate short-term price fluctuations, and has a mid- to long-range investment time horizon