Build Time Inc. Money Portfolios With ETFs

Learn how to build Money Inc magazine's portfolios with ETFs. How do they compare against other portfolios?
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What are the Time Money Inc. portfolios?

For the past 10 years, the Time Inc. Money portfolio has returned 7.84 with a standard deviation of 9.81. The dividend yield is 2.05. The 30-year return is 8.19%. Year to date the Time Inc Money portfolio has returned 7.25%%.

What is the historical return of the Time Inc Money portfolios?

Below you can see the historical return of the Time Inc portfolios.

NameAsset class countYear to dateReturn in 202010 year returnCAGR since 1989 (%)Risk levelExpense ratio
Time.Inc Money Portfolio 1, Simple and Cheap57.25%10.847.848.1920.06%
Time.Inc Money Portfolio 2, Tilt Toward Value78.22%9.497.958.4120.06%

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.

NameSee PortfolioYear to dateReturn in 202010 year returnCAGR since 1989 (%)Draw Down
Premium Portfolio15.92%18.2913.8410.77-37.63%
Premium Portfolio8.30%18.118.6311.14-44.87%
Premium Portfolio13.48%19.712.8410.49-32.77%
Premium Portfolio20.78%3.198.5210.59-36.46%
Premium Portfolio20.17%3.668.6210.48-36.35%
Premium Portfolio15.18%21.0313.7810.83-37.00%
Premium Portfolio19.24%8.711.5610.65-35.26%
Premium Portfolio15.41%7.488.3910.64-37.91%
Premium Portfolio16.16%5.3610.8811.23-35.43%
Premium Portfolio20.81%3.4210.2110.47-40.85%

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.

Here is how we select the right ETFs

There are a lot of ETFs! It is laborious work 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.

We have carefully selected an ETF 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. 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-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.

  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.

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.

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