Stenner在他的"STEENNER ON MUTUAL FUND"一书中提出了一个多层次安全的投资组合系统,其分布如下:

1. LIQUID (5%)
    - Money Market Fund

2. Income (40%)

   - Fixed Income (15%)
      - Convernment + Corporate Bonds (5%)
      - Mortgage Bond Fund (5%)
      - High-Yield Bond Fund (5%)
   - Equity Income (15%)
   - Mixed Income (10%)

3. Balanced (15%):

   Canada: 9%
   International: 6%

4. Grwoth (40%)

   - Conservative Equity (17%)

      - Large Caps (Canada: 8%; International :9%)
  - Aggressive Equity (18%) (Canada: 3%; International 15%)

     - Micro-Cap(3%)
     - Small-Cap(3%)
     - Medium-Cap(3%)
     - Resource(3%)
     - Emerging Markets(3%)
     - Emerging Grwoth (3%)
 
  - Real Estate (5%)