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 Time Money Inc. portfolios?
The Time Money portfolios are two very well constructed portfolios proposed by Money Inc magazine. They are diversified and exposed to good amount of bonds.
Article contents
What is the historical return of the Time Inc Money portfolios?
Below you can see the historical return of the Time Inc 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 |
|---|---|---|---|---|---|---|---|
| Time.Inc Money Portfolio 1, Simple and Cheap | 6.61 | -16.8 | 5.81 | 7.49 | -21.51 | 0.06% | 2.37 |
| Time.Inc Money Portfolio 2, Tilt Toward Value | 5.89 | -15.72 | 6.11 | 7.77 | -20.85 | 0.06% | 2.35 |
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.
The value/small tilt portfolio does slightly better than the standard portfolio without suffering major negative side effects.
How does the Money Inc. 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 Time Inc. portfolios with ETFs?
Here is how you build the Time Inc. portfolios with ETFs
Time Inc Money Portfolio 1, Simple and Cheap
- 30.00% US Total Stock Market (VTI)
- 20.00% International All-World ex-US (VEU)
- 30.00% Total US Bond Market (BND)
- 10.00% Non-US Bonds (BNDX)
- 10.00% REITs (VNQ)
This portfolio along with the one below appeared on the Time inc.com money blog.
It’s a variant of a 60/40 portfolio.
Time Inc. Money Portfolio 2, Tilt Toward Value
- 25.00% US Total Stock Market (VTI)
- 5.00% US Large Cap Value (VTV)
- 5.00% US Small Cap Value (VIOV)
- 15.00% International All-World ex-US (VEU)
- 30.00% Total US Bond Market (BND)
- 10.00% Non-US Bonds (BNDX)
- 10.00% REITs (VNQ)
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.
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.
What are the Time Inc. Money portfolios?
Time Inc. money is now only called money.com after a couple of buyouts. Time Inc. Money was a published magazine (in paper form) until 2019. It started in 1972.
Money.com is a website that deals with personal finance topics. It gets about 4 million visitors per month.
The portfolios presented here are from the older time.com/money website. All the articles have been transferred to money.com after the buyout of Time Inc.The heir to Money Magazine is Kiplinger’s Personal Finance Magazine.
Money Magazine cover for January 2016
Example of the defunct Money Magazine, this one is from 2016.
Description of Time Inc Money portfolios
Money.com originally presented 3 portfolios. The third portfolio was a reiteration of the first portfolio but using active management funds so we have not included that here.
The two portfolios are variations on the 60/40 split. 60% stock and 40% bonds.
- The first portfolio is a quite standard portfolio with 5 asset classes. It resembles a Rick Ferri Core 4 portfolio.
- The second has a very slight value and small-cap tilt so it adds two more asset classes that target value stocks and small-caps.
The two portfolios have the same allocation aside from the 10% allocation to value.
We would expect to see a slight outperformance of portfolio number two because small and value have historically performed better. This is an excellent showcase for how you can moderately tilt towards different performing asset classes without going into extreme territory.
Related questions
What is the Simple Money Portfolio?
The Simple Money Portfolio is a portfolio constructed by Tim Maurer. You can see the details here.
