Med-HighAges 30–60

David Swensen Yale Portfolio

A portfolio adapted from Yale University's endowment strategy, made accessible for individual investors

Expected Return

8-10% annually

Expected Dividend

2.5% annually

Rebalancing

Quarterly

Asset Allocation

VTI (30%)

VEA (15%)

VWO (5%)

VNQ (20%)

TLT (15%)

TIP (15%)

VTI

US domestic equities

30%

VEA

Developed market equities

15%

VWO

Emerging market equities

VNQ

Real estate investment trusts (REITs)

20%

TLT

Long-term US Treasury bonds

15%

TIP

Treasury Inflation-Protected Securities (TIPS)

15%

Advantages

✓Institutional-grade investment strategy
✓Significant REIT allocation for real estate exposure
✓Inflation protection via TIPS
✓Broad diversification across asset classes

Risks

!Heavy REIT concentration risk
!Sensitivity to interest rate changes
!Complex multi-asset structure
!Overall market volatility

Allocation by Investment Amount

If investing $1,000

VTI$300

VEA$150

VWO$50

VNQ$200

TLT$150

TIP$150

If investing $5,000

VTI$1500

VEA$750

VWO$250

VNQ$1000

TLT$750

TIP$750

If investing $10,000

VTI$3000

VEA$1500

VWO$500

VNQ$2000

TLT$1500

TIP$1500