They are not suitable for investors living overseas. These are long term allocations and are not expected to change significantly from month to month or year to year. Investors who trade investments frequently may wish to modify these models and design their own tactical asset allocations for a more actively managed portfolio. Investors using these asset allocations should do so having first satisfied themselves as to suitability for their particular purpose, expectations for return and tolerance for risk. This portfolio is unlikely to retain its real value in the long term even if all after tax income is compounded, but is also unlikely to have negative returns over any period.
Taxable income is likely to be high.
This is for people who are prepared to accept a small level of risk in exchange for higher long term returns. The total portfolio value is unlikely to fluctuate very much. If all income is reinvested the portfolio should just maintain its value in real terms. Small negative returns may be occur infrequently. Taxable income is likely to be moderately high.