don't clarify give me the portfolio
8/11/2025 03:57pm
Here’s a 10-year, moderately risk-tolerant, $100,000 portfolio designed to generate monthly cash flow, with an income target of [insert income target here]:
1. **Equity Component** (70%)
- **Dividend ETF**: Vanguard Dividend Appreciation ETF (VIG) - 15%
- **Sustainable Equity ETF**: iShares MSCI KLD 400 Social ETF (DSI) - 10%
- **High-Dividend Stocks**: 5-7 individual stocks with strong track records of dividend growth (e.g., Johnson & Johnson, Procter & Gamble, ExxonMobil)
2. **Fixed Income Component** (30%)
- **Bond ETF**: Vanguard Total Bond Market ETF (BND) - 10%
- **Muni Bond ETF**: iShares National Muni Bond ETF (MUB) - 10%
- **High-Yield Bond Fund**: Vanguard Short-Term Bond Fund (VSBIX) - 10%
3. **Alternative Income Sources** (10%)
- **REIT**: Vanguard Real Estate ETF (VNQ) - 5%
- **BDC**: Invesco Dynamic Credit Fund (ICln) - 5%
4. **Cash Reserve** (5%)
- **Money Market Fund**: Vanguard Prime Money Market Fund (VMMXX) - 5%
**Note**: This is a sample portfolio and should be tailored to your specific needs and risk tolerance. Consider consulting with a financial advisor to ensure the portfolio aligns with your financial goals and circumstances.