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 Retirement Investor
401k, 403b, 529 College Savings and Variable Annuity Investors

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.

Example 401k Plans Click to view
Example Public and Non-Profit Employees 403b Plans Click to view
Example Deferred Compensation Plans Click to view
Example College Savings 529 Plans Click to view
Example Variable Annuity or Variable Life Plans Click to view

Members enjoy Free features

  • Customize and follow a diversified strategic allocation portfolio for your 401k, IRA and brokerage investments within minutes
  • Receive monthly or quarterly re-balance emails
  • Enter funds and percentages in your portfolio, see its historical performance and receive ongoing rebalance emails
  • Real time fund ranking and selection for your plans
  • Quality retirement investing newsletter emails
  • Fund ranking and selection for your plans

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