History
Income portfolios are widely used by retirees and conservative investors.
Philosophy
Combine yield-generating assets while controlling drawdown and income volatility.
Income / RetirementIncomeIncome orientedCautiousMedium complexity
Income Portfolio
A portfolio designed to prioritize current income over maximum capital growth.
Asset allocation
Dividend Stocks
40%Bonds
40%REITs
10%Cash
10%Performance
How this allocation behaved across modern markets
Annual rebalancing, local bond and cash proxies where relevant, and optional inflation adjustment through CPI.
1970-2024Log scale
CAGR
7.9%
1970-2024
Max drawdown
-16.3%
Volatility
8.2%
Worst year
-16.3%
2022
Implementation
Local products and proxies
🌐 Income Portfolio implementation
Long-term individual investor
Use broad, low-cost funds or ETFs matching each asset class.
Account notes: Implementation depends on local account types and tax wrappers.
Costs: Prefer low-cost, liquid vehicles.
Rebalancing: Annual rebalancing or tolerance bands.
Tax: Country-specific tax treatment should be reviewed before implementation.
Product names are implementation examples for research. Availability, taxation, share classes and suitability should be checked with the investor's broker and tax situation.
Similar portfolios
Adjacent ideas in the atlas
Bond Ladder Portfolio
A fixed-income structure spreading maturities across time.
Intermediate Bonds40%
Short Bonds30%
Long Bonds30%
Open atlas entry
Dividend REIT Income Portfolio
A diversified income allocation combining dividend stocks, listed real estate, bonds and cash to avoid relying on a single yield source.
Dividend Stocks40%
REITs30%
Bonds25%
Cash5%
Open atlas entry
Retirement Income Portfolio
A diversified portfolio intended for withdrawals and stability during retirement.
Bonds40%
Stocks35%
TIPS15%
Cash10%
Open atlas entry
Retirement Real Assets Portfolio
A retirement portfolio with bonds, TIPS, dividend stocks, REITs and gold.
Bonds35%
TIPS20%
Dividend Stocks20%
REITs15%
Gold10%
Open atlas entry
Global Real Estate Income
An income portfolio built from global REITs, dividend stocks and bonds.
Global REITs50%
Dividend Stocks25%
Bonds25%
Open atlas entry