Ben Stein's Model Portfolios

I like Ben Stein. I've read enough of his articles and books through the years that in my opinion I think he's both sincere and dedicated to helping others.

Not surprising, Ben is also in favor of indexed-focused long-term investing and believes that you should focus your investments on dominant big picture themes to produce even greater returns. For example, Ben has made it clear that he thinks Americans would be smart to have exposure to the world's emerging markets. In addition, Ben's portfolio is the only one that I will profile this week that actually sets aside some cash "for a rainy day." Now, there's an unusual recommendation!

Ben Stein's Long-Term Portfolio:
- 30% in Fidelity Spartan Total Market Index (FSTMX) or Total Stock Market ETF (VTI)
- 15% to 20% in iShares MSCI EAFE Index (EFA)
- 10% in iShares MSCI Emerging Markets Index (EEM) or Emerging Markets 50 ADR (ADRE)
- 10% in iShares Cohen & Steers Realty Majors (ICF)
- 10% in iShares Russell 2000 Value Index (IWN)
- 15% in Cash
For more information: 1

For those of you who are in or nearing retirement, Ben Stein also offers a 2-ETF retirement portfolio that you should consider. According to his research, this portfolio presents no risk and plenty of upside potential for those who live 30 years after retirement who withdraw 5% annually. Given recent studies that show that many Americans will run out of money in their retirement, this unique strategy is something you should examine closely if appropriate.

Ben Stein's Retirement Portfolio:
- 50% in StreetTracks Dow Jones Wilshire REIT ETF (RWR)
- 50% in iShares Dow Jones Select Dividend (DVY)
For more information: 1