Model portfolio · Either
Index Investor model portfolio
Pure ETF passive — broad US + international + bond exposure. Lowest decision overhead.
The Index Investor model portfolio portfolio yields 1.65% in aggregate — meaning every $100,000 invested generates roughly $1,645per year in dividend income before tax. The portfolio's weighted safety score of 7.6/10 reflects a conservative tilt toward well-covered, growing dividends. Pure ETF passive — broad US + international + bond exposure. Lowest decision overhead.
The two largest positions — VTI (60%) and VEA (20%) — together account for 80% of the portfolio. VTI yields 1.03% with a 7.4/10 safety score; VEA yields 2.49% with a 8.1/10 safety score.
The holdings
| Ticker | Weight | Yield | Safety |
|---|---|---|---|
| VTI · Vanguard Total Stock Market ETF | 60% | 1.03% | 7.4/10 · Solid |
| VEA · Vanguard FTSE Developed Markets ETF | 20% | 2.49% | 8.1/10 · Strong |
| VWO · Vanguard FTSE Emerging Markets ETF | 10% | 2.29% | 7.9/10 · Solid |
| SCHD · Schwab U.S. Dividend Equity ETF | 10% | 3.00% | 7.9/10 · Solid |
Why this mix
Low yield by design — total return driven by capital appreciation.
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 index investor model portfolio on your existing holdings, flags overlap, and adjusts the gap-to-fill for your bracket and account types.