MyPlanIQ Low Quality Fund Plan 2010

Low Quality Fund Plan 2010

This Plan is unrated.
Investment Options
Total Available Funds: 50
Asset Class Ticker Description Rating
REAL ESTATE
REAL ESTATE REPSX ProFunds Real Estate UltraSector Svc
REAL ESTATE SOAAX Spirit of America Real Estate Inc & Gr A
Global Real Estate EGLRX Alpine International Real Estate
Emerging Market
DIVERSIFIED EMERGING MKTS NECAX ING Emerging Countries A
DIVERSIFIED EMERGING MKTS ETEMX Eaton Vance Emerging Markets A
INTERNATIONAL EQUITY
Foreign Large Blend RINYX Russell International Developed Mkts Y
WORLD STOCK PUGCX Putnam Global Equity C
WORLD STOCK PEQMX Putnam Global Equity M
Others
ROOT CASH Money Market
World Allocation GGSBX Goldman Sachs Growth Strat B
Moderate Allocation ACROX ING Strategic Allocation Moderate I
Total Available Funds: 50
Asset Class Ticker Description Rating
REAL ESTATE
REAL ESTATE REPSX ProFunds Real Estate UltraSector Svc
REAL ESTATE SOAAX Spirit of America Real Estate Inc & Gr A
Global Real Estate EGLRX Alpine International Real Estate
Emerging Market
DIVERSIFIED EMERGING MKTS NECAX ING Emerging Countries A
DIVERSIFIED EMERGING MKTS ETEMX Eaton Vance Emerging Markets A
INTERNATIONAL EQUITY
Foreign Large Blend RINYX Russell International Developed Mkts Y
WORLD STOCK PUGCX Putnam Global Equity C
WORLD STOCK PEQMX Putnam Global Equity M
FOREIGN SMALL/MID GROWTH GISBX Goldman Sachs Intl Small Cap B
Foreign Large Value DFHBX LWAS/DFA Intl High Book To Market
Foreign Large Value DIVTX DFA Intl Value II
Foreign Large Blend PJRBX Dryden International Equity B
Others
ROOT CASH Money Market
World Allocation GGSBX Goldman Sachs Growth Strat B
Moderate Allocation ACROX ING Strategic Allocation Moderate I
Moderate Allocation ACCRX ING Strategic Allocation Moderate C
Conservative Allocation FICBX Franklin Income B1
US EQUITY
MID-CAP VALUE LMOPX Legg Mason Opportunity Prim
MID-CAP BLEND IMSCX IMS Capital Value
LARGE BLEND DFELX DFA Enhanced U.S. Large Company I
LARGE GROWTH GLCCX Goldman Sachs Struct Large Cap Gr C
SMALL VALUE SCMVX Schneider Small Cap Value
SMALL VALUE DSVBX Dreyfus Small Cap Value B
Small Growth CNVCX Calvert New Vision Small Cap C
Small Growth SGCDX BlackRock Small/Mid Growth Inv C
SMALL BLEND MNSMX Manning & Napier Small Cap A
SMALL BLEND SVSCX SSgA Small Cap
Mid-Cap Growth EKAAX Evergreen Mid Cap Growth A
Mid-Cap Growth BWAFX Brandywine Advisors Midcap Growth
MID-CAP BLEND UMVEX BlackRock Aurora Inv B
LARGE VALUE NLVBX Nationwide Large Cap Value B
LARGE VALUE PBOTX Pioneer Value B
LARGE GROWTH TSGEX Turner Large Cap Growth Institutional
LARGE BLEND LCBCX AIM Large Cap Basic Value C
FIXED INCOME
High Yield Bond LZHYX Lazard U.S. High Yield Instl
Multisector Bond PDVYX Putnam Diversified Income Y
Intermediate-Term Bond OPBYX Oppenheimer Core Bond Y
High Yield Muni OPTAX Oppenheimer AMT-Free Municipals A
Intermediate Government USGAX Morgan Stanley US Govt Secs A
WORLD BOND BIIBX BlackRock Intl Bond Inv B
WORLD BOND GMIBX GMO International Bond III
Short-Term Bond TRSBX JPMorgan Short-Term Bond II Sel
Short-Term Bond FSFCX Fidelity Advisor Short Fxd-Inc C
SHORT GOVERNMENT ONTBX JPMorgan Treasury & Agency B
SHORT GOVERNMENT ASITX AMF Short U.S. Government
Muni Single State Long EVGAX Eaton Vance GA Municipals B
Muni Single State Interm SGATX RidgeWorth GA Tax-Exempt Bond I
Intermediate-Term Bond GMDBX GMO Domestic Bond III
Intermediate Government EUSBX Evergreen US Government B
High Yield Bond SHNAX SunAmerica High Yield Bond A
Total Available Funds: 50
  • 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
REAL ESTATE REPSX ProFunds Real Estate UltraSector Svc 32% 3 60 0 1.55% 1.7%
REAL ESTATE SOAAX Spirit of America Real Estate Inc & Gr A 25% 3 60 0 2.24% 9.03%
Global Real Estate EGLRX Alpine International Real Estate 0% 3 60 0 1.62% 7.53%
Emerging Market
DIVERSIFIED EMERGING MKTS NECAX ING Emerging Countries A 0% 3 60 0 NA 0%
DIVERSIFIED EMERGING MKTS ETEMX Eaton Vance Emerging Markets A 0% 3 60 0 NA 0.16%
INTERNATIONAL EQUITY
Foreign Large Blend RINYX Russell International Developed Mkts Y 81% 3 60 0 0.85% 2.41%
WORLD STOCK PUGCX Putnam Global Equity C 41% 3 60 0 1.36% 0.06%
WORLD STOCK PEQMX Putnam Global Equity M 0% 3 60 0 1.65% 0%
FOREIGN SMALL/MID GROWTH GISBX Goldman Sachs Intl Small Cap B 0% 3 60 0 2.33% 0%
Foreign Large Value DFHBX LWAS/DFA Intl High Book To Market 0% 3 60 0 0.35% 8.94%
Foreign Large Value DIVTX DFA Intl Value II 0% 3 60 0 0.29% 28.19%
Foreign Large Blend PJRBX Dryden International Equity B 0% 3 60 0 2.53% 1.63%
Others
ROOT CASH Money Market 0% 3 60 0 NA 2.66%
World Allocation GGSBX Goldman Sachs Growth Strat B 0% 3 60 0 2.09% 0.53%
Moderate Allocation ACROX ING Strategic Allocation Moderate I 0% 3 60 0 NA 2.46%
Moderate Allocation ACCRX ING Strategic Allocation Moderate C 0% 3 60 0 NA 1.64%
Conservative Allocation FICBX Franklin Income B1 0% 3 60 0 1.13% 0%
US EQUITY
MID-CAP VALUE LMOPX Legg Mason Opportunity Prim 93% 3 60 0 1.52% 0%
MID-CAP BLEND IMSCX IMS Capital Value 75% 3 60 0 1.98% 0%
LARGE BLEND DFELX DFA Enhanced U.S. Large Company I 73% 3 60 0 0.27% 3.83%
LARGE GROWTH GLCCX Goldman Sachs Struct Large Cap Gr C 26% 3 60 0 1.17% 11.55%
SMALL VALUE SCMVX Schneider Small Cap Value 0% 3 60 0 1.15% 0%
SMALL VALUE DSVBX Dreyfus Small Cap Value B 0% 3 60 0 NA 0%
Small Growth CNVCX Calvert New Vision Small Cap C 0% 3 60 0 NA 0%
Small Growth SGCDX BlackRock Small/Mid Growth Inv C 0% 3 60 0 NA 0%
SMALL BLEND MNSMX Manning & Napier Small Cap A 0% 3 60 0 1.12% 6.94%
SMALL BLEND SVSCX SSgA Small Cap 0% 3 60 0 1.1% 1.31%
Mid-Cap Growth EKAAX Evergreen Mid Cap Growth A 0% 3 60 0 NA 0%
Mid-Cap Growth BWAFX Brandywine Advisors Midcap Growth 0% 3 60 0 1.12% 3.21%
MID-CAP BLEND UMVEX BlackRock Aurora Inv B 0% 3 60 0 NA 6.88%
LARGE VALUE NLVBX Nationwide Large Cap Value B 0% 3 60 0 NA 0.12%
LARGE VALUE PBOTX Pioneer Value B 0% 3 60 0 2.62% 0%
LARGE GROWTH TSGEX Turner Large Cap Growth Institutional 0% 3 60 0 NA 0.2%
LARGE BLEND LCBCX AIM Large Cap Basic Value C 0% 3 60 0 NA 0.02%
FIXED INCOME
High Yield Bond LZHYX Lazard U.S. High Yield Instl 92% 3 60 0 0.59% 4.63%
Multisector Bond PDVYX Putnam Diversified Income Y 80% 3 60 0 1.29% 6.87%
Intermediate-Term Bond OPBYX Oppenheimer Core Bond Y 74% 3 60 0 0.46% 4.57%
High Yield Muni OPTAX Oppenheimer AMT-Free Municipals A 34% 3 60 0 0.56% 3.69%
Intermediate Government USGAX Morgan Stanley US Govt Secs A 21% 3 60 0 1.62% 5.89%
WORLD BOND BIIBX BlackRock Intl Bond Inv B 0% 3 60 0 1.97% 4.67%
WORLD BOND GMIBX GMO International Bond III 0% 3 60 0 0.43% 0%
Short-Term Bond TRSBX JPMorgan Short-Term Bond II Sel 0% 3 60 0 0.5% 2.34%
Short-Term Bond FSFCX Fidelity Advisor Short Fxd-Inc C 0% 3 60 0 1.54% 0.29%
SHORT GOVERNMENT ONTBX JPMorgan Treasury & Agency B 0% 3 60 0 1.2% 0%
SHORT GOVERNMENT ASITX AMF Short U.S. Government 0% 3 60 0 0.75% 0.65%
Muni Single State Long EVGAX Eaton Vance GA Municipals B 0% 3 60 0 1.51% 2.19%
Muni Single State Interm SGATX RidgeWorth GA Tax-Exempt Bond I 0% 3 60 0 0.58% 5.2%
Intermediate-Term Bond GMDBX GMO Domestic Bond III 0% 3 60 0 0.26% 11.43%
Intermediate Government EUSBX Evergreen US Government B 0% 3 60 0 NA 1.94%
High Yield Bond SHNAX SunAmerica High Yield Bond A 0% 3 60 0 1.04% 4.83%
Average Expense Ratio: 1.23%
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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 17.7% 18.9% 6.3% 5.2% 7.7% 5.6%

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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 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.


Description(Ticker:)
The plan consists of 50 funds. It covers 5 major asset classes and 29 minor asset classes. The major asset classes it covers are US Equity, Emerging Market Equity, Foreign Equity, REITs and Fixed Income.

Basing on the fund quality result calculated on 10/16/2010, we select one or two lowest quality funds from each asset class to construct this plan. The plan consists of 49 funds, the fund quality scores of which are all below 10%.



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