Plan Your Future

Diversified Model Portfolios for You

With our help, you determine your investment style based on your unique financial goals, time horizon to invest, and tolerance for risk. By setting up a single investment advisory account, you can choose from five diversified model portfolios. The investor profiles below will give you an idea of where you may fit.

Learn more about each of our model portfolios:

Aggressive Portfolio*
The Aggressive portfolio* may be right for investors who:
- Prefer primary exposure to equities weighted toward aggressive growth investments
- Expect high return potential
- Can tolerate higher degrees of fluctuation in the value of their portfolio**
- Have 10+ years before they need the invested money
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Moderate Aggressive Portfolio*
The Moderate Aggressive portfolio* may be right for investors who:
- Prefer primary exposure to equities with some exposure to international
- Expect moderately high return potential
- Can tolerate market downturns and volatility**
- Have 10+ years before they need the invested money
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Moderate Portfolio*
The Moderate portfolio* may be right for investors who:
- Prefer a relatively balanced portfolio* of stocks and bonds
- Desire the income-generating ability of bond investments with the opportunity for growth through equity exposure
- Can accept a moderate level of risk and return
- Have 5+ years before they need the invested money
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Moderate Conservative Portfolio*
The Moderate Conservative portfolio* may be right for investors who:
- Prefer exposure to bonds and stocks with lower levels of risk
- Need more current income from their investments
- Can accept some risk and volatility
- Have 5 or fewer years before they need to make withdrawals
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Conservative Portfolio*
The Conservative portfolio* may be right for investors who:
- Prefer stability of investment principal with primary exposure to bonds and more limited exposure to stocks
- Desire income to supplement their cash flow
- Want a low level of risk and to keep portfolio* fluctuations to a minimum
- Plan to start withdrawing money in the short term
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Our Smart Solutions^® Planning Tool can help you evaluate how you can work toward reaching your financial goals.

Talk to your H&R Block financial advisor, our Select Client Group, or call our Investor Center at 1-866-295-7912 to find out how a Smart Solutions Account might fit into your overall investment strategy.

H&R Block Financial Advisors Inc. is a registered investment adviser. Investment services and securities products offered through H&R Block Financial Advisors Inc., member NYSE/SIPC, a registered broker-dealer and subsidiary of H&R Block Inc. Tax services offered through subsidiaries of H&R Block Services Inc. H&R Block Inc. and H&R Block Services Inc. are not registered broker-dealers.

* Loss of principal is possible in any of the portfolios described above There is no guarantee that any of the model portfolios will meet their stated goals or objectives.

** Are willing to take a high level of risk including the potential for significant loss of principal.

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