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CustomModerate risk

Improved M1 Finance Moderately Conservative Portfolio Expert Pie (60/40)

Improved M1 model

In brief

A classic balanced risk level implemented with global stocks and global bonds.

Profile sources: Optimized Portfolio

Published
Last reviewed

At a glance

5 asset sleeves

Review annually and rebalance when allocations drift materially.

Growth assets

54%

Bonds & reserves

40%

Other diversifiers

6%

Target allocation

What the portfolio holds

Total U.S. stocks

VTI

33%

International stocks

VXUS

21%

U.S. small value

AVUV

6%

U.S. bonds

BND

32%

International bonds

BNDX

8%

Tickers are liquid U.S.-listed examples, not recommendations or exact historical fund selections.

Allocation sources: Optimized Portfolio

Decision context

Potential advantages and trade-offs

These observations follow from the displayed allocation and implementation. They are not a recommendation or a prediction of future performance.

Potential advantages

  • Spreads its target allocation across 5 distinct sleeves rather than relying on a single holding.
  • Combines growth assets with bonds or reserves instead of depending on one broad asset class.
  • Includes non-U.S. exposure, reducing exclusive dependence on one national market.
  • Publishes explicit target weights, making drift and rebalancing decisions measurable.

Important trade-offs

  • Representative ETF results can differ from the originator's indexes, funds, taxes, fees, and execution.

Portfolio Visualizer

Compare historical performance

Backtest this allocation beside two familiar U.S. equity benchmarks. The comparison starts with $10,000, reinvests dividends, and rebalances annually.

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Growth of $10,000

Monthly total returns · maximum available history

PortfolioSPYQQQ
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5 holdings

Portfolio 1

Improved M1 Finance Moderately Conservative Portfolio Expert Pie (60/40)

Target allocation from this profile

100%

Portfolio 2

S&P 500

SPY benchmark

100%

Portfolio 3

Nasdaq-100

QQQ benchmark

Portfolio Visualizer opens in a new tab because its site does not support embedded frames. Results begin at the latest common inception date for the selected funds.

Sources and context

Target allocations are educational examples, not personalized advice. Fund availability, taxes, trading costs, account type, time horizon, and capacity for loss can all change the appropriate implementation. Historical diversification does not guarantee future results.

Sources document the strategy, underlying methodology, or the representative funds used here. ETF tickers are illustrative U.S.-listed implementations and may differ from an originator’s original funds or current model.