MyPlanIQ
Major Brokerage Investor
Bernstein Smart Money
Investment Options
| Total Available Funds: | 9 |
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| Total Available Funds: | 9 |
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| Total Available Funds: | 9 |
- 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 | |||||||||||||||||||||||||||||||||||||||||||||
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Average Expense Ratio: 0.07%
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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 | 1.3% | 9.4% | 1.2% | 5.1% | 4.6% | 6.6% |
| Sign up or Login first to get rebalance emails for this portfolio | |||||||
| 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* |
|
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Click to Create Model Portfolio | ||||||
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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.
** 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.
Description
The plan consists of 9 funds. It covers 5 major asset classes and 9 minor asset classes. The major asset classes it covers are Fixed Income, US Equity, Emerging Market Equity, Foreign Equity and REITs.
Dr. William Bernstein is the author of the "Intelligent Asset Allocator" and "The Four Pillars of Investing." He's also a physician, neurologist and financial adviser to high-net-worth individuals.
He has proposed two lazy portfolios
- The smart money portfolio
- The no-brainer portfolio
The smart money portfolio comprises the following fund allocation
- 40% in Vanguard Short Term Investment Grade VFSTX (SCJ, SHY)
- 15% in Vanguard Total Stock Market VTSMX (VTI)
- 10% in Vanguard Small Cap Value VISVX (VBR)
- 10% in Vanguard Value Index VIVAX (VTV)
- 5% in Vanguard Emerging Markets Stock VEIEX (VWO)
- 5% in Vanguard European Stock VEURX (VEU)
- 5% in Vanguard Pacific Stock VPACX (VPL)
- 5% in Vanguard REIT Index VGSIX (RWX, VNQ)
- 5% in Vanguard Small Cap Value NAESX or VTMSX (VB)
To summarize:
- 40% in US equities
- 10% in international equities
- 5% in emerging market equities
- 5% in REIT
- 40% in fixed income
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