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ClassicModerate risk

Richer Retirement Portfolio

William Bengen

In brief

A simplified retirement portfolio used to study how equity diversification and a substantial bond reserve interact during withdrawals.

Profile sources: Portfolio ChartsBengen Financial Services

Published
Last reviewed

At a glance

5 asset sleeves

Review annually; retirement withdrawals and tax considerations require an individual plan.

Growth assets

55%

Bonds & reserves

45%

Other diversifiers

0%

Target allocation

What the portfolio holds

U.S. large-cap stocks

VOO

22%

U.S. small-cap stocks

VB

22%

International developed stocks

VEA

11%

Intermediate U.S. Treasuries

VGIT

40%

Treasury bills

BIL

5%

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

Allocation sources: Portfolio ChartsBengen Financial Services

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

Richer Retirement Portfolio

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.

Implementation note

This is the simplified book portfolio documented by Portfolio Charts, presented as a retirement-risk case study. No withdrawal rate or portfolio outcome is guaranteed.

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.