What are model portfolios and how do I use one?

A model portfolio is a ready-made template that specifies what to hold and in what percentages — for example, 50% U.S. stocks, 20% international, 30% bonds — so you don't have to design an allocation from scratch. They range from simple two- or three-fund mixes to more detailed splits across small-cap, value, and emerging markets. Using one is straightforward: pick a model matching your risk tolerance and time horizon, then map each slice to a low-cost index fund available in your accounts. Models are a starting framework, not gospel — adjust the stock/bond ratio to fit your situation, then stick with it through market swings. The real value is removing guesswork and giving you a clear target to rebalance back toward. Browse ready-made allocations at wealthserene.com/tools/model-portfolios, then refine them in the portfolio builder.