MyPlanIQ Major Brokerage Investor Israelsen 7Twelve

Israelsen 7Twelve

This Plan is unrated.
Investment Options
Total Available Funds: 13
Asset Class Ticker Description Rating
REAL ESTATE
Global Real Estate RWX SPDR DJ Wilshire Intl Real Estate
REAL ESTATE VNQ Vanguard REIT ETF
Emerging Market
DIVERSIFIED EMERGING MKTS VWO Vanguard Emerging Markets Stock ETF
INTERNATIONAL EQUITY
Foreign Large Blend EFA iShares MSCI EAFE Index
Others
ROOT CASH Cash
COMMODITIES
COMMODITIES BROAD BASKET DBC PowerShares DB Commodity Idx Trking Fund
COMMODITIES GLD SPDR Gold Shares
FIXED INCOME
Intermediate-Term Bond AGG iShares Barclays Aggregate Bond
Inflation-Protected Bond TIP iShares Barclays TIPS Bond
WORLD BOND BWX SPDR Lehman Intl Treasury Bond
Total Available Funds: 13
Asset Class Ticker Description Rating
REAL ESTATE
Global Real Estate RWX SPDR DJ Wilshire Intl Real Estate
REAL ESTATE VNQ Vanguard REIT ETF
Emerging Market
DIVERSIFIED EMERGING MKTS VWO Vanguard Emerging Markets Stock ETF
INTERNATIONAL EQUITY
Foreign Large Blend EFA iShares MSCI EAFE Index
Others
ROOT CASH Cash
COMMODITIES
COMMODITIES BROAD BASKET DBC PowerShares DB Commodity Idx Trking Fund
COMMODITIES GLD SPDR Gold Shares
FIXED INCOME
Intermediate-Term Bond AGG iShares Barclays Aggregate Bond
Inflation-Protected Bond TIP iShares Barclays TIPS Bond
WORLD BOND BWX SPDR Lehman Intl Treasury Bond
US EQUITY
LARGE BLEND VTI Vanguard Total Stock Market ETF
SMALL BLEND VB Vanguard Small Cap ETF
MID-CAP BLEND VO Vanguard Mid Cap ETF
Total Available Funds: 13
  • R*: Redemption (Minimum months to hold).
  • RT: Round Trip (number of times allowed to buy/sell in trailing 12 months).
  • WP: Waiting Period (minimum months to wait before buy again).
  • M*:Mark (p: proxy, n: not used).
Asset Class Ticker Description Rating R* RT WP Expense Yield
REAL ESTATE
Global Real Estate RWX SPDR DJ Wilshire Intl Real Estate 98% 1 60 0 0.59% 4.27%
REAL ESTATE VNQ Vanguard REIT ETF 95% 1 60 0 0.12% 4.08%
Emerging Market
DIVERSIFIED EMERGING MKTS VWO Vanguard Emerging Markets Stock ETF 97% 1 60 0 0.08% 3.51%
INTERNATIONAL EQUITY
Foreign Large Blend EFA iShares MSCI EAFE Index 100% 1 60 0 0.33% 2.9%
Others
ROOT CASH Cash 0% 1 60 0 NA 4.14%
COMMODITIES
COMMODITIES BROAD BASKET DBC PowerShares DB Commodity Idx Trking Fund 94% 1 60 0 0.85% 4.95%
COMMODITIES GLD SPDR Gold Shares 93% 1 60 0 0.4% 0%
FIXED INCOME
Intermediate-Term Bond AGG iShares Barclays Aggregate Bond 100% 1 60 0 0.03% 3.24%
Inflation-Protected Bond TIP iShares Barclays TIPS Bond 97% 1 60 0 0.19% 2.76%
WORLD BOND BWX SPDR Lehman Intl Treasury Bond 97% 1 60 0 0.35% 1.72%
US EQUITY
LARGE BLEND VTI Vanguard Total Stock Market ETF 96% 1 60 0 0.03% 1.35%
SMALL BLEND VB Vanguard Small Cap ETF 96% 1 60 0 0.03% 1.51%
MID-CAP BLEND VO Vanguard Mid Cap ETF 6% 1 60 0 0.04% 1.47%
Average Expense Ratio: 0.25%
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Model Portfolios
Strategic Asset Allocation - Equal Weight: Click here to see this strategy description
Equal Weight & Regular Rebalance YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click for Portfolio Details or Follow 3.5% 12.4% 4.5% 7.1% 4.9% 7.2%

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Asset Allocation Composite: Click here to see this strategy description
Strategic Asset Allocation with Dynamic Risk Adjustment YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click for Portfolio Details or Follow 2.3% 11.2% -0.5% 4.1% 4.8% 6.7%

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*     AR: Annualized Return
**   YTD: Year to Date (not annualized)
*** The above portfolios are of moderate risk, which means that more than 40% of assets are in fixed income funds.


Other Related Portfolios YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
7Twelve Original Portfolio 11.9% 11.8% 2.7% 5.8% 4.5%
Description
The plan consists of 13 funds. It covers 6 major asset classes and 13 minor asset classes. The major asset classes it covers are US Equity, Foreign Equity, Emerging Market Equity, REITs, Commodity and Fixed Income.

Craig L. Israelsen, Ph.D., is an Associate Professor at Brigham Young University in Provo, Utah where he teaches Personal and Family Finance to over 1,200 students each year. The Israelsen Seven Equally Weighted is aimed to protect the portfolio against losses.

 

The portfolio has seven different asset classes and twelve different funds. Each fund has the same weight 8.3% so each asset class has a different weighting. The table below provides the weightings for each asset class, the funds that will be used to review performance and the ETF equivalent.The highly diversified portfolio with low aggregate correlation avoids losses effectively, reducing the standard deviation of return.



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