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Strategic or Tactical?
Strategic portfolios are diversified portfolios whose target allocations in stocks and bonds are not changed often. MyPlanIQ uses secular economic trends and asset behaviors to decide optimal target allocations. These portfolios are then rebalanced periodically (monthly or quarterly). Strategic portfolios are suited for long term investors who can withstand big loss in a portfolio in a severe market downturn. They are also in general more tax efficient.
In a tactical portfolio, both stock and bond allocations and fund choices are dynamically chosen based on momentum of assets and funds. When stocks are experiencing weakness, the portfolio might reduce its exposure in stocks. However, the portfolio will never allocate more than its target allocation in stocks. In a moderate risk portfolio, the target allocation in stocks will not exceed 60%. Tactical portfolios are suited for investors who are very concerned about big loss or drawdown in their accounts. They are less tax efficient and best used in a tax deferred account such as an IRA.
Want to read more? See our ebook on this topic.
MyPlanIQ provides investment model portfolios tailored made to your 401k, 403b, 457 retirement plans, as well as variable annuity plans.
These model portfolios are based on mainstream Modern Portfolio Theory, developed by Economics and Finance Nobel Laureates. During a severe downturn, to avoid large loss, these portfolios might reduce their stock exposure based on a market condition indicator that incorporates factors like broad market trends, credit and interest rate risks.
Which one do you want
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View Example 401k Plan Click to view
Spend 5 minutes to customize a portfolio and 30 minutes every month to rebalance.
Asset Allocation Composite(AAC) Model Portfolio
| 1Wk Return | YTD Return | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* | 15Yr AR* | |
|---|---|---|---|---|---|---|---|
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TAA
60% Stocks/40% Bonds Vanguard Balance
AR: Annualized Return
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Four simple steps to get your 401k account in order:
- Answer a few questions to identify your risk profile
- Customize a model portfolio for your plan
- Use our suggestions to rebalance your account
- We watch your portfolio 24/7 and send you rebalance emails periodically
MICROSOFT CORPORATION SAVINGS PLUS 401K PLAN
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 0.8% | -2.0% | -11.7% | 3.2% | 4.6% | 5.5% |
The JPMorgan Chase 401k Savings Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.5% | 1.3% | 0.2% | 8.0% | 6.7% | 6.8% |
WELLS FARGO and COMPANY 401K PLAN
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.3% | -2.0% | -14.1% | 2.2% | 3.7% | 5.7% |
Google Inc. 401(k) Savings Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 0.9% | -2.4% | -11.7% | 2.9% | 3.7% | 3.9% |
Ford Motor 401K
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.4% | 5.0% | 2.5% | 8.7% | 7.0% | 7.1% |
Hewlett-Packard Company 401(k) Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.2% | 1.9% | -6.4% | 7.0% | 3.9% | 5.5% |
Federal Employee Thrift Savings Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.5% | 2.9% | 0.6% | 8.9% | 7.5% | 6.9% |
Synopsys 401(k) Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.4% | 4.4% | -5.2% | 4.9% | 5.5% | 6.3% |
Intuit 401K for Small Businesses
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 0.2% | N/A | 7.3% | 6.0% | 6.3% | 6.7% |
The Bank of America 401(k) Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.5% | 1.5% | 0.1% | 8.4% | 7.2% | 7.3% |
CONOCOPHILLIPS SAVINGS PLAN
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.5% | 2.8% | -7.1% | 4.4% | 5.5% | 6.3% |
CHEVRON EMPLOYEE SAVINGS INVESTMENT PLAN
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 0.7% | -1.7% | -14.7% | 2.7% | 3.7% | 5.3% |
Intel Corporation 401(k) Savings Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.2% | 0.9% | 0.3% | 8.1% | 5.7% | 5.5% |
THE NEW YORK TIMES COMPANIES SUPPLEMENTAL RETIREMENT AND INVESTMENT PLAN
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.0% | 0.8% | -10.8% | 5.2% | 3.8% | 6.1% |
News America (News Corp) 401k Savings Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 0.8% | 3.7% | -6.1% | 7.0% | 5.4% | 5.9% |
AT&T LONG TERM SAVINGS AND SECURITY PLAN
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.4% | 3.7% | 3.4% | 7.8% | 6.8% | 7.1% |
RENASANT BANK 401(k) PLAN
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.3% | 2.2% | -7.5% | 4.3% | 4.0% | 6.0% |
Bloomberg LP 401K
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 0.9% | 3.5% | 3.5% | 8.2% | 6.2% | 6.7% |
Washington State Deferred Compensation Program
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.0% | -1.9% | -12.7% | 5.0% | 4.2% | 5.6% |
California State University and Public Employees Savings Plus Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.4% | 2.6% | -9.6% | 2.5% | 3.2% | 4.3% |
Stanford University Tax-Deferred Annuity and Contributory Retirement Plan Core Funds
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.3% | 3.9% | -11.1% | 2.9% | 3.3% | 5.1% |
State of Illinois Employees Deferred Compensation Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.3% | 2.9% | -8.0% | 4.7% | 5.4% | 6.3% |
University of Texas System Retirement Programs Fidelity
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.4% | 0.2% | -8.5% | 7.4% | 6.3% | 5.5% |
City of Los Angeles Premiere Deferred Compensation Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 0.3% | N/A | 17.2% | 8.0% | 5.3% | 7.2% |
MullinTBG Synopsys Deferred Compensation Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.1% | -1.5% | -14.8% | 2.3% | 4.3% | 5.3% |
Ohio Public Employees Deferred Compensation
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.1% | 2.7% | -7.3% | 2.7% | 4.1% | 5.6% |
City and County of San Francisco 457 Deferred Compensation Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.5% | 5.1% | 3.4% | 6.7% | 6.3% | 7.0% |
Virginia 529 College Savings Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Strategic Asset Allocation Moderate | 1.1% | 2.1% | -3.4% | -1.3% | -1.3% | 2.8% |
The Vanguard New York 529 College Savings Program Direct Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Strategic Asset Allocation Moderate | 1.3% | 3.3% | -6.5% | 11.2% | 7.3% | 7.3% |
Pennsylvania Vanguard Investment Plan
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Strategic Asset Allocation Moderate | 0.1% | 1.3% | -8.5% | 9.6% | 4.6% | 6.0% |
American Legacy Shareholders Advantage Variable Annuity
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 0.9% | 2.5% | -14.7% | -0.4% | 1.7% | 5.0% |
Fidelity Personal Retirement Annuity
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.6% | -3.0% | -13.0% | 2.7% | 3.8% | 4.8% |
Charles Schwab Income Choice Variable Annuity
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.2% | 2.1% | -17.3% | -0.1% | 1.0% | 3.6% |
Vanguard Variable Annuity
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.3% | -3.4% | -12.9% | 3.3% | 4.2% | 5.0% |
Schwab Select Annuity
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 0.9% | -3.8% | -13.3% | 6.2% | 4.0% | 6.4% |
AXA Equitable Accumulator Select Variable Annuity
| Model Portfolio Performance | 1Wk AR* | YTD** | 1Yr AR* | 3Yr AR* | 5Yr AR* | 10Yr AR* |
|---|---|---|---|---|---|---|
| Asset Allocation Composite Moderate | 1.1% | -3.3% | -11.4% | 2.8% | 3.1% | 5.9% |
Disclaimer: Any investment in securities including mutual funds, ETFs, closed end funds, stocks and any other securities could lose money over any period of time. All investments involve risk. Losses may exceed the principal invested. Past performance is not an indicator of future performance. There is no guarantee for future results in your investment and any other actions based on the information provided on the website including but not limited strategies, portfolios, articles, performance data and results of any tools.
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