Model portfolio · Either
Balanced (3-bucket) model portfolio
Growth, income, and aristocrats split roughly in thirds. The "default starter" for the long term.
The Balanced (3-bucket) model portfolio portfolio yields 2.90% in aggregate — meaning every $100,000 invested generates roughly $2,901per year in dividend income before tax. The portfolio's weighted safety score of 7.3/10 reflects a conservative tilt toward well-covered, growing dividends. Growth, income, and aristocrats split roughly in thirds. The "default starter" for the long term.
The two largest positions — VOO (35%) and SCHD (25%) — together account for 60% of the portfolio. VOO yields 1.04% with a 7.4/10 safety score; SCHD yields 3.00% with a 7.9/10 safety score.
The holdings
| Ticker | Weight | Yield | Safety |
|---|---|---|---|
| VOO · Vanguard S&P 500 ETF | 35% | 1.04% | 7.4/10 · Solid |
| SCHD · Schwab U.S. Dividend Equity ETF | 25% | 3.00% | 7.9/10 · Solid |
| NOBL · ProShares S&P 500 Dividend Aristocrats ETF | 15% | 1.94% | 7.6/10 · Solid |
| JEPQ · JPMorgan Nasdaq Equity Premium Income ETF | 10% | 10.84% | 5.4/10 · Mixed |
| O · Realty Income Corp. | 5% | 5.48% | 5.8/10 · Mixed |
| JNJ · Johnson & Johnson | 5% | 2.02% | 8.0/10 · Strong |
| MSFT · Microsoft Corporation | 5% | 0.73% | 8.3/10 · Strong |
Why this mix
Mid-range yield with most return coming from VOO growth.
Best account: Either
See the descriptive write-up of this archetype on the investor-archetypes page for the behavioral context — what kind of investor naturally lands here, and what to watch for.
Other model portfolios
How close is your current portfolio to this model?
Connect your brokerage — Infnits overlays this balanced (3-bucket) model portfolio on your existing holdings, flags overlap, and adjusts the gap-to-fill for your bracket and account types.