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

Time Inc Money Magazine Portfolios

The Time Inc Money portfolios can be built with 5-7 ETFs. They are exposed to 40% bonds and 60% equities. They are medium risk-balanced portfolios.

For the past 10 years, the Time Inc Money Portfolio 1 has returned 8.00% with a standard deviation of 10.12%. The dividend yield is 2.15. The 30-year return is 8.11%. Year to date the Time Inc Money Portfolio 1 Portfolio has returned 3.52%.

What is the return of the Time Inc Money portfolios?

Below you can see the historical performance of the Time Inc portfolios

NameAsset class countYear to dateReturn in 201910 year returnCAGR since 1989 (%)Risk levelExpense ratio
Time.Inc Money Portfolio 1, Simple and Cheap53.5219.848.00%8.1120.06%
Time.Inc Money Portfolio 2, Tilt Toward Value71.8519.658.29%8.3820.06%

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

How do you build the Time Inc 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.

What is the Time Inc Money portfolios?

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. 

 

Resources for Time Inc Money portfolios

Go here for Money.com

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.

Is time really money?

No. Not by a long shot. Money depends on time to be of any use. Time is also finite, money is not. You can always get more money. You can never get more time.

Just because you sell your time for money does not mean that time equals money. It just means that we use the money to assign a standard number to everything including time. This is very smart most of the time as we can compare very different things, fx. cars, bananas, computers, and building bridges. The problem is we have now turned this upside down. We have now come to think money, the measuring stick, is the most important thing, when in reality it is just an arbitrary measuring device. The important thing is what it is measuring. 

In one perspective there is only your time. Your time is the only one that counts because without you there is nothing else. Because of this, your time has infinite worth all the time. That means you are always underpaid when you are working for someone else. Your foremost objective in life is to collect experiences, both good and bad, so you can have a full and hopefully happy life. Experiences are subjective and therefore you cannot put a price on experiences. Experiences do not care about money.

This is why time spent at the office updating another spreadsheet is the most horrible way of spending your time. You are indeed wasting your time. It doesn’t matter if you are making 8$ of 10.000$/hours doing this. You are still getting a lousy deal. 

You only have one life. One time. One experience.

Make it count.

But not with money.

Leave a Comment

Your email address will not be published. Required fields are marked *

Scroll to Top