Here Are The 20 Best Income Portfolios Built with ETFs for 2023
If you're looking for income then you should look at this list of the 20 best income portfolios.
What are the Merril Lynch Edge Select Portfolios?
Merrill Lynch Edge Select Portfolios can be built with 10-12 ETFs. They are exposed to between bonds, emerging market stocks and US stocks.
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What is the historical return of Merrill Lynch Edge Select portfolios?
Below you can see the historical return of Merrill Lynch Edge Select portfolios
Portfolio data was last updated on 11th of August 2023, 08:35 ET
| Name | Year to date | Return in 2022 | 10 year return | CAGR since 1989 (%) | Draw Down | Expense ratio | Yield |
|---|---|---|---|---|---|---|---|
| Merrill Lynch Edge Select Portfolio, Conservative | 2.42 | -9.76 | 3.09 | 5.82 | -9.76 | 0.10% | 2.21 |
| Merrill Lynch Edge Select Portfolio, Moderately Conservative | 5.75 | -15.03 | 4.58 | 7.21 | -15.03 | 0.09% | 2.36 |
| Merrill Lynch Edge Select Portfolio, Moderately | 8.11 | -16.09 | 5.82 | 7.89 | -20.21 | 0.09% | 2.35 |
| Merrill Lynch Edge Select Portfolio, Moderately Aggressive | 10.79 | -17.01 | 7.09 | 8.43 | -27.27 | 0.08% | 2.27 |
| Merrill Lynch Edge Select Portfolio, Aggressive | 12.92 | -17.69 | 8.14 | 8.84 | -33.52 | 0.07% | 2.15 |
Here is what the table is showing you
Year to date: This shows what the portfolio has returned this year starting from the first trading day of the year.
10 Year return: This shows the compounded annualized growth rate over a ten-year period. The current year is excluded from calculations.
CAGR since 1989: This shows the compounded annualized growth rate since 1989. The current year is excluded from calculations.
Expense ratio: This shows the cost of holding the portfolio if you were to construct the portfolio using the proposed ETFs.
Yield: This is the expected dividend yield of the portfolio.
Please note that past performance is not a guarantee of future returns.
How does the Merrill Lynch Edge Select portfolios compare to the best portfolios?
Below you can see the returns of the best portfolios that we have benchmarked.
| Name | See Portfolio | Year to date | Return in 2022 | 10 year return | CAGR since 1989 (%) | Draw Down |
|---|---|---|---|---|---|---|
| Ben Stein Retirement | Coming soon! | 4.05 | -18.03 | 9.46 | 10.8 | -35.42 |
| Paul Merriman 4-Fund-Portfolio | Coming soon! | 9.22 | -11.98 | 11.25 | 10.38 | -35.26 |
| S&P 500 | Coming soon! | 17.09 | -18.19 | 12.52 | 10.28 | -37.63 |
| Paul Merriman Target Date Portfolio (25 year old) | Coming soon! | 6.63 | -13.08 | 8.28 | 10.2 | -36.46 |
| Scott Adams Dilbert Portfolio | Coming soon! | 10.87 | -18.75 | 7.0 | 10.19 | -44.88 |
| JL Collins, Simple Path To Wealth, Wealth Building Portfolio | Coming soon! | 16.6 | -19.51 | 12.08 | 10.19 | -37.0 |
| American Institute of Individual Investors (AAII) Portfolio | Coming soon! | 3.74 | -13.91 | 9.7 | 10.16 | -40.85 |
| Paul Merriman Target Date Portfolio (35 year old) | Coming soon! | 6.57 | -13.22 | 8.31 | 10.08 | -36.35 |
| Assetbuilder.com Portfolio 14 | Coming soon! | 6.95 | -16.94 | 7.59 | 9.99 | -37.91 |
| Balanced Portfolio 90/10 | Coming soon! | 14.83 | -18.87 | 11.03 | 9.84 | -32.78 |
How do you build the Merril Lynch Edge portfolios with ETFs?
Below is an example of how to build a portfolio using ETFs.
Merrill Lynch Edge Select Portfolio, Moderate
- 12.00% US Large Cap Value (VTV)
- 19.00% US Large Cap Growth (VUG)
- 2.00% US Small Cap Value (VIOV)
- 2.00% US Small Cap Growth (IJT)
- 5.00% Emerging Markets (VWO)
- 13.00% International All-World ex-US (VEU)
- 14.00% Intermediate-Term Treasuries (VGIT)
- 2.00% Cash (money market fund) (BIL)
- 14.00% Corporate Bonds (LQD)
- 4.00% High Yield Corporate Bonds (HYG / JNK)
- 2.00% Non-US Bonds (BNDX)
- 11.00% Mortgages (VMBS)
You can find many more portfolios further below.
The letters in brackets denote the stock symbol for the recommended ETF. You can look up the symbols at your stockbroker. You can see a listing of all the ETFs we recommend on this page.
What is Merrill Lynch?
Merril Lynch was formerly known as Merrill Lynch, Pierce, Fenner & Smith Incorporated until bought by Bank of American in 2008. Merrill Lynch suffered major losses in 2008 due to investments in CDOs (collateralized debt obligations).
Gregg Farrel has written a thorough account of the role of Merrill Lynch in the 2008 financial crisis Crash of the Titans: Greed, Hubris, the Fall of Merrill Lynch, and the Near-Collapse of Bank of America.
Crash of the Titans: Greed, Hubris, the Fall of Merrill Lynch, and the Near-Collapse of Bank of America
Merrill (as it is now branded by Bank of America) is the investment division of BofA.
You can access the portfolios through Merrill Guided Investing.
What are the Merrill Lynch Edge Select portfolios?
Merrill Lynch offers Edge Select portfolios through their Select Edge Portfolios.
Their portfolios are some of the more complex ones with many asset classes. They are also one of the few ones on portfolioeinstein.com that include mortgages in their portfolios as a distinct asset class.
In addition, their most aggressive portfolio holds 16% in bonds/cash which is unusual for that level of risk. You would expect to see a higher allocation to stocks.
What is is asset allocation for Merrill Lynch Edge Select portfolios?
Below you can see how you build all of Merrill Lynch Edge Select portfolios with ETFs
Merrill Lynch Edge Select Portfolio, Conservative
- 8.00% US Large Cap Value (VTV)
- 5.00% US Large Cap Growth (VUG)
- 1.00% US Small Cap Value (VIOV)
- 1.00% US Small Cap Growth (IJT)
- 1.00% Emerging Markets (VWO)
- 5.00% International All-World ex-US (VEU)
- 17.00% Intermediate-Term Treasuries (VGIT)
- 24.00% Cash (money market fund) (BIL)
- 10.00% Corporate Bonds (LQD)
- 4.00% High Yield Corporate Bonds (HYG / JNK)
- 12.00% Non-US Bonds (BNDX)
- 12.00% Mortgages (VMBS)
Merrill Lynch Edge Select Portfolio, Moderately Conservative
- 9.00% US Large Cap Value (VTV)
- 14.00% US Large Cap Growth (VUG)
- 1.00% US Small Cap Value (VIOV)
- 1.00% US Small Cap Growth (IJT)
- 3.00% Emerging Markets (VWO)
- 9.00% International All-World ex-US (VEU)
- 17.00% Intermediate-Term Treasuries (VGIT)
- 2.00% Cash (money market fund) (BIL)
- 15.00% Corporate Bonds (LQD)
- 5.00% High Yield Corporate Bonds (HYG / JNK)
- 9.00% Non-US Bonds (BNDX)
- 15.00% Mortgages (VMBS)
Merrill Lynch Edge Select Portfolio, Moderate
- 12.00% US Large Cap Value (VTV)
- 19.00% US Large Cap Growth (VUG)
- 2.00% US Small Cap Value (VIOV)
- 2.00% US Small Cap Growth (IJT)
- 5.00% Emerging Markets (VWO)
- 13.00% International All-World ex-US (VEU)
- 14.00% Intermediate-Term Treasuries (VGIT)
- 2.00% Cash (money market fund) (BIL)
- 14.00% Corporate Bonds (LQD)
- 4.00% High Yield Corporate Bonds (HYG / JNK)
- 2.00% Non-US Bonds (BNDX)
- 11.00% Mortgages (VMBS)
Merrill Lynch Edge Select Portfolio, Moderately Aggressive
- 16.00% US Large Cap Value (VTV)
- 25.00% US Large Cap Growth (VUG)
- 2.00% US Small Cap Value (VIOV)
- 2.00% US Small Cap Growth (IJT)
- 7.00% Emerging Markets (VWO)
- 17.00% International All-World ex-US (VEU)
- 9.00% Intermediate-Term Treasuries (VGIT)
- 2.00% Cash (money market fund) (BIL)
- 9.00% Corporate Bonds (LQD)
- 3.00% High Yield Corporate Bonds (HYG / JNK)
- 1.00% Non-US Bonds (BNDX)
- 7.00% Mortgages (VMBS)
Merrill Lynch Edge Select Portfolio, Aggressive
19.00% US Large Cap Value (VTV) 29.00% US Large Cap Growth (VUG) 3.00% US Small Cap Value (VIOV) 3.00% US Small Cap Growth (IJT) 9.00% Emerging Markets (VWO) 21.00% International All-World ex-US (VEU) 5.00% Intermediate-Term Treasuries (VGIT) 2.00% Cash (money market fund) (BIL) 4.00% Corporate Bonds (LQD) 1.00% High Yield Corporate Bonds (HYG / JNK) 1.00% Non-US Bonds (BNDX) 3.00% Mortgages (VMBS)
Make sure you select the right ETFs!
There are a lot of ETFs! It is pretty boring to sift through hundreds and hundreds of ETFs just to find the right one, but it is worth it!
Finding the right and BEST ETF could earn you a lot more money than number two on the list.
We have done the work for you – all for FREE.
We have carefully selected ETFs for each asset class that the portfolios on portfolioeinstein.com use. If you want to read more about our selection process and see what we consider the best ETFs please visit our article What Is The Best ETF?
If you are a European investor you need to buy European ETFs (they need to be of the UCITS kind!).
We have listed 47 of the best ETFs in our article What Are The Best ETFs For European Investors? (Here Is 47).
As of 2021 we also track socially responsible investing ESG portfolios. Socially responsible investing (ESG) portfolios prioritize investing that puts an emphasis on environmental, social, and corporate governance issues.
You can find the socially responsible investing ESG ETFs in the same article.
Where can I learn more about the Merrill Lynch?
Merril has a good podcast calledthe Merrill Lynch Perspectives It explores the “forces that are changing our world”. It is not an investing podcast per se but does leave you smarter.
If you are interested in the financial crisis Gregg Farrel’s book Crash of the Titans: Greed, Hubris, the Fall of Merrill Lynch, and the Near-Collapse of Bank of America is a good account of what happened around Merrill Lynch and Bank of America.
And of course, you do know the by-now-classic The Big Short: Inside the Doomsday Machine. This also has very good information on Merril.
The Big Short: Inside the Doomsday Machine
Suggestions for your next steps
If you have already committed to a portfolio then maybe you need help maintaining the portfolio. In this case you will find our rebalance worksheet useful.
Rebalancing your portfolio lowers your risk and may provide higher returns in the long run. It is completely FREE.
You can find the rebalance worksheet in our article Here Is The Most Easy To Use Portfolio Rebalance Tool.
