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Time Inc Money Portfolios, A Showcase For How To Tilt Your Portfolio

Time Inc Money Magazine Portfolios

This is the article displaying the portfolios by Time Inc. Money. Here you will find a description, performance, and resources for the portfolios as well as detailed information on how to implement them yourself.

Time Inc Money portfolios a showcase for how to tilt your portfolio

Time Inc. money is now only called money.com after a couple of buyouts. It was published magazine (in paper form) until last year, 2019. It started in 1972.

Money.com, besides having one of the most expensive domain names is a website that deals with personal finance topics. It gets about 4 million hits 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 magazine had slightly more depth than the web version. 

The heir to Money Magazine is Kiplinger’s Personal Finance Magazine.

money-magazine-cover-january-2016
Example of the defunct Money Magazine, this one is from 2016.

Description of Time Inc Money portfolios

Money.com presented 3 portfolios originally. 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.

  1. The first portfolio is a quite standard portfolio with 5 asset classes. It resembles a Rick Ferri Core 4 portfolio.
  2. 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. 

Performance of Time Inc Money portfolios

Portfolio nameAsset class count1 year return (2019)Year to date10 year returnCAGR since 1989DrawdownRisk LevelExpense ratioYield
S&P 500 (Benchmark)131.46%3.69%13.52%10.54%-37.63%5 - very high risk0.04%1.79%
Time.Inc Money Portfolio 1, Simple and Cheap519.84%1.80%8.00%8.11%-21.51%3 - medium risk0.06%2.16%
Time.Inc Money Portfolio 2, Tilt Toward Value719.65%1.56%8.29%8.38%-20.85%3 - medium risk0.06%2.14%

Sure enough, the value/small tilt portfolio does slightly better than the standard portfolio without suffering major negative side-effects.

Asset Allocation for Time Inc Money portfolios

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 Timeinc.com money blog. It’s basically 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)

Check the best mutual funds and ETFs here.

Resources for Time Inc Money portfolios

Go here for Money.com

Conclusion

The portfolios are standard well-diversified portfolios. One of them is tilted slightly towards small and value. This makes it more likely to have higher returns in the long run.

What do you think is missing from the Time Inc. portfolios?

How does your portfolio differ from these two portfolios?

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