Independent Investing Preset Models

Independent Investing Preset Models

Independent Investing offers nine preset models designed to match a variety of investment preferences — so you don’t have to build your own strategy unless you want to. These models span a wide range of risk levels, from the most aggressive to the most conservative, giving you flexibility based on your comfort with risk.

To help identify the right fit, we recommend using a risk tolerance calculator — many are available online and work just like the ones financial advisors use (even though they rarely mention that you can access them yourself).

Ultra Aggressive Model

Allocation: 90% U.S. Stocks, 5% International Stocks, 5% Cryptocurrency/Bitcoin

Risk Level: Very High

Overview: Designed for investors with a strong appetite for risk and a long-term horizon (20+ years). Heavy exposure to volatile equities and speculative crypto assets makes this model ideal for aggressive wealth-building strategies, especially for younger investors.

Very Aggressive Model

Allocation: 90% U.S. Stocks, 10% International Stocks

Risk Level: High

Overview: Focused entirely on growth-oriented equities across domestic and global markets. Best suited for early-career investors aiming for maximum capital appreciation over 15–20 years, with minimal concern for short-term volatility.

Aggressive Model

Allocation: 70% U.S. Stocks, 5% International Stocks, 25% Bonds

Risk Level: High

Overview: Offers strong growth potential with a modest bond allocation for some downside protection. Commonly used by mid-career investors with a moderate-to-high risk tolerance.

Moderately Aggressive Model

Allocation: 55% U.S. Stocks, 5% International Stocks, 40% Bonds

Risk Level: Moderate to High

Overview: Balances growth and stability, making it suitable for investors seeking returns with less volatility. Ideal for those who want equity exposure but prefer a more cushioned approach.

Moderate Model

Allocation: 50% U.S. Stocks, 50% Bonds

Risk Level: Moderate

Overview: A balanced mix of growth and income. Often chosen by mid-career professionals or investors with average risk tolerance looking for steady, long-term wealth building.

Moderately Conservative Model

Allocation: 40% U.S. Stocks, 60% Bonds

Risk Level: Moderate

Overview: Prioritizes capital preservation while maintaining some equity exposure for growth. Commonly used by pre-retirees transitioning toward more stable investments.

Conservative Model

Allocation: 30% U.S. Stocks, 70% Bonds

Risk Level: Low to Moderate

Overview: Heavily weighted toward bonds for income and protection. Suitable for early retirement planning or investors who prefer lower risk.

Very Conservative Model

Allocation: 20% U.S. Stocks, 80% Bonds

Risk Level: Low

Overview: Focuses on preserving capital and generating reliable income. Ideal for retirees or those nearing retirement who prioritize safety over growth.

Ultra Conservative Model

Allocation: 100% Bonds

Risk Level: Very Low

Overview: Designed for maximum stability with no equity exposure. Commonly used for estate preservation, emergency funds, or by individuals seeking minimal market risk.

All Investment Products are Subject to Investment Risks, Including Possible Loss of Amount Invested.