Make A Plan

You’ve identified your goals and learned about account types that could work for you. Now you need to create your portfolio.

The model portfolios outlined below can help make the process easier by providing a sample asset allocation.  Each group – conservative, moderate, and aggressive – is geared toward goals that have a different time horizon (that is, the time until you need to use the money).  And each option within the group progresses from least risky to most risky.

You can find more details about how to make your choice on our Big Picture Planning goal page.

When you click “Open Account,” you will be asked about which combination of funds you want to invest in, and what percentage you want to put in each fund. The model portfolios below provide the percentages of each asset class.  You can learn more about the asset class applicable to each Homestead Fund by clicking on Our Funds to learn more about each of your investment options.

Conservative Portfolios

These portfolios are for shorter-term goals or anything that needs protection over growth, such as your emergency fund or savings for a home down payment.  
They are lower risk with less potential for return.

Conservative 1
Conservative 1

Asset Class Allocation

  • Cash
  • 10%
  • Short-Term Bonds
  • 60%
  • Intermediate-Term Bonds
  • 15%
  • Large-Cap Value Stocks
  • 5%
  • Large-Cap Growth Stocks
  • 5%
  • International Stocks
  • 5%
  • Small-Cap Stocks
  • 0%

Portfolio Characteristics

  • Short Time Horizon:  1-3 years
  • Conservative Portfolio
  • Lower risk compared to moderate and aggressive portfolios
  • Less Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Conservative 2
Conservative 2

Asset Class Allocation

  • Cash
  • 10%
  • Short-Term Bonds
  • 50%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 10%
  • Large-Cap Growth Stocks
  • 5%
  • International Stocks
  • 5%
  • Small-Cap Stocks
  • 0%

Portfolio Characteristics

  • Short Time Horizon:  1-3 years
  • Conservative Portfolio
  • Lower risk compared to moderate and aggressive portfolios
  • Less Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Conservative 3
Conservative 3

Asset Class Allocation

  • Cash
  • 10%
  • Short-Term Bonds
  • 35%
  • Intermediate-Term Bonds
  • 25%
  • Large-Cap Value Stocks
  • 10%
  • Large-Cap Growth Stocks
  • 10%
  • International Stocks
  • 10%
  • Small-Cap Stocks
  • 0%

Portfolio Characteristics

  • Short Time Horizon:  1-3 years
  • Conservative Portfolio
  • Lower risk compared to moderate and aggressive portfolios
  • Less Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Moderate Portfolios

These portfolios are for medium-term goals typically in the four to seven year range with some flexibility.  They have more risk with more potential for return.  May be appropriate for investment goals such as a new boat or a wedding. 

Moderate 1
Moderate 1

Asset Class Allocation

  • Cash
  • 10%
  • Short-Term Bonds
  • 30%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 15%
  • Large-Cap Growth Stocks
  • 15%
  • International Stocks
  • 5%
  • Small-Cap Stocks
  • 5%

Portfolio Characteristics

  • Medium Time Horizon:  4-7 years
  • Moderate Portfolio
  • Higher risk compared to the conservative portfolios
  • More Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Moderate 2
Moderate 2

Asset Class Allocation

  • Cash
  • 5%
  • Short-Term Bonds
  • 25%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 15%
  • Large-Cap Growth Stocks
  • 15%
  • International Stocks
  • 10%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Medium Time Horizon:  4-7 years
  • Moderate Portfolio
  • Higher risk compared to the conservative portfolios
  • More Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Moderate 3
Moderate 3

Asset Class Allocation

  • Cash
  • 5%
  • Short-Term Bonds
  • 20%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 20%
  • Large-Cap Growth Stocks
  • 15%
  • International Stocks
  • 10%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Medium Time Horizon:  4-7 years
  • Moderate Portfolio
  • Higher risk compared to the conservative portfolios
  • More Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Moderate 4
Moderate 4

Asset Class Allocation

  • Cash
  • 5%
  • Short-Term Bonds
  • 15%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 20%
  • Large-Cap Growth Stocks
  • 20%
  • International Stocks
  • 10%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Medium Time Horizon:  4-7 years
  • Moderate Portfolio
  • Higher risk compared to the conservative portfolios
  • More Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Aggressive Portfolios

The longest-term, highest aspiration goals, such as retirement, college funds, or other goals with eight years or more to grow.  They are higher risk with the potential for higher returns.

Aggressive 1
Aggressive 1

Asset Class Allocation

  • Cash
  • 0%
  • Short-Term Bonds
  • 15%
  • Intermediate-Term Bonds
  • 20%
  • Large-Cap Value Stocks
  • 20%
  • Large-Cap Growth Stocks
  • 20%
  • International Stocks
  • 15%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Longer Time Horizon:  8-12 years
  • Aggressive Portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Aggressive 2
Aggressive 2

Asset Class Allocation

  • Cash
  • 0%
  • Short-Term Bonds
  • 10%
  • Intermediate-Term Bonds
  • 15%
  • Large-Cap Value Stocks
  • 25%
  • Large-Cap Growth Stocks
  • 25%
  • International Stocks
  • 15%
  • Small-Cap Stocks
  • 10%

Portfolio Characteristics

  • Longer Time Horizon:  8-12 years
  • Aggressive Portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Aggressive 3
Aggressive 3

Asset Class Allocation

  • Cash
  • 0%
  • Short-Term Bonds
  • 0%
  • Intermediate-Term Bonds
  • 15%
  • Large-Cap Value Stocks
  • 25%
  • Large-Cap Growth Stocks
  • 25%
  • International Stocks
  • 20%
  • Small-Cap Stocks
  • 15%

Portfolio Characteristics

  • Longer Time Horizon:  8-12 years
  • Aggressive Portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

Aggressive 4
Aggressive 4

Asset Class Allocation

  • Cash
  • 0%
  • Short-Term Bonds
  • 0%
  • Intermediate-Term Bonds
  • 0%
  • Large-Cap Value Stocks
  • 30%
  • Large-Cap Growth Stocks
  • 30%
  • International Stocks
  • 20%
  • Small-Cap Stocks
  • 20%

Portfolio Characteristics

  • Very Long Time Horizon:  12+ years
  • Very Aggressive Portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher Potential for Return
Read More

You understand that this asset class allocation model is a self-directed educational program designed to assist you in identifying investment strategies and allocations based solely on criteria that you define. This program is not designed to yield results specific to your goals, financial situation, risk tolerance or liquidity needs and should not be relied upon, in any way, to determine the suitability of an investment for you, nor should it be interpreted as a recommendation for the sale or purchase of any particular security or investment. Before buying or selling any investment, you should consult a financial advisor and carefully consider your goals, financial situation, risk tolerance and liquidity needs, and determine on your own whether the investment strategy, including the particular mutual funds and allocations, is suitable for you.

Please see “More About Managing your Account” below for additional information. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives, provide you with a given level of income or protect against a loss in a declining market.

Investment return and principal value of an investment will fluctuate. An investor’s shares, when redeemed, may be worth more or less than their original cost. Investing in mutual funds involves risk, including the possible loss of principal. Past performance does not guarantee future results.

Neither asset allocation nor diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

More About Managing your Account

Once you set up your account, you should consult a financial advisor concerning the asset allocation and whether any changes should be made over time, as market movements and fund performance can make your portfolio more aggressive or conservative than you intend. You can solve that problem through automatic rebalancing  with our Asset Allocation Modeling tool. Asset allocation does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.

Once your portfolio is established, just log in to your account and choose a quarterly, semi-annual or annual rebalance frequency, which will periodically reset your fund allocations back to the original targets. If you invest in the funds through a financial intermediary, you may be charged commissions or transaction fees for the purchase, sale or exchange of fund shares.

You can also contact us any time to create a personalized one-time asset allocation plant to meet your needs.

You’ll also want to monitor your time horizon. You should consult a financial advisor concerning your asset allocation over time and as the date when you expect to withdraw all or a portion of your account balance nears. Our client service associates can also help – Just contact us.