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MyPlanIQ Major Brokerage Investor test_TD Ameritrade Commission Free ETFs test_TD Ameritrade Commission Free ETFs Strategic Asset Allocation - Optimal Moderate

test_TD Ameritrade Commission Free ETFs Strategic Asset Allocation - Optimal Moderate

live (public) 0.82% September 02

Delayed Holdings (As of 06/30/2025)
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Asset Fund in this portfolio Price change* Original Fund Description Percentage
General Bond VGSH (Vanguard Short-Term Treasury ETF) 0.05% Vanguard Short-Term Govt Bd Idx ETF 39.17%
US Equity IWP (iShares Russell Mid-Cap Growth ETF) 0.92% iShares Russell Midcap Growth Index 11.00%
US Equity VOT (Vanguard Mid-Cap Growth ETF) 0.73% Vanguard Mid-Cap Growth ETF 11.55%
Real Estate VNQ (Vanguard Real Estate ETF) 0.64% Vanguard REIT Index ETF 7.53%
Emerging Market Equity VWO (Vanguard FTSE Emerging Markets ETF) 0.14% Vanguard Emerging Markets Stock ETF 10.21%
International Equity EWP (iShares MSCI Spain ETF) 0.69% iShares MSCI Spain Index 10.19%
International Equity EWG (iShares MSCI Germany ETF) 0.02% iShares MSCI Germany Index 10.35%

* Day change on 06/30/2025.

Monthly Holding Date: Total Transaction Times So Far:
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Holdings

Transactions

Next Rebalance Date: 10/01/2025
Beta
Instructions On FolioInvesting.com Download Current Holdings to FolioInvesting CSV file
Performance (As of 09/02/2025)

Since 12/31/2000

Name YTD*
Return		 1Yr
AR**		 3Yr
AR**		 5Yr
AR**		 10Yr
AR**		 15Yr
AR**
test_TD Ameritrade Commission Free ETFs Strategic Asset Allocation - Optimal Moderate 6.4% 10.4% 9.0% 6.4% 5.0% 5.5%
VFINX (Vanguard (S&P 500) Index) 6.7% 21.6% 20.9% 12.9% 15.0% 14.4%
VBINX (Vanguard Balance (60% stocks/40% bonds) 4.3% 14.9% 13.9% 7.1% 9.4% 9.3%
*   YTD: Year to Date
**  AR: Annualized Return
** portfolio AR is delayed
Last 1 Week* 1 Yr 3 Yr 5 Yr 10 Yr 15 Yr 20 Yr Since
01/02/2001		 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Annualized Return(%) 1.6 10.4 9.0 6.4 5.0 5.5 5.1 5.0 7.7 12.1 8.2 -13.9 8.5 10.7 18.6 -9.0 10.5 5.4 -3.1 2.5 11.7 11.2 -6.7 11.3 29.8 -25.8 8.5 14.0 8.3 10.8 24.1 -7.3 -6.8
Sharpe Ratio NA 0.6 0.6 0.24 0.36 NA NA 0.3 0.53 1.11 0.47 -0.98 0.95 0.48 2.59 -1.01 1.91 0.59 -0.35 0.35 1.53 1.41 -0.4 0.8 1.26 -1.01 0.47 1.42 0.91 1.24 2.55 -0.66 -0.77
Draw Down(%) NA 9.2 12.0 23.6 25.5 NA NA 41.1 9.2 4.9 9.9 23.6 4.9 25.5 3.3 16.0 3.3 7.1 9.7 5.5 7.1 5.8 19.2 11.1 18.7 38.1 6.4 6.9 4.6 7.4 7.1 19.7 19.5
Standard Deviation(%) NA 9.6 10.8 10.9 11.4 NA NA 12.7 10.8 7.7 9.7 15.6 8.9 21.7 6.6 10.3 5.1 8.8 9.0 7.1 7.6 7.9 16.7 14.0 23.6 26.6 11.5 7.4 6.7 7.9 9.2 12.8 12.0
Treynor Ratio NA 0.13 0.12 0.05 0.07 NA NA 0.06 0.13 0.15 0.07 -0.27 0.14 0.18 0.35 -0.19 0.15 0.09 -0.06 0.04 0.18 0.19 -0.1 0.15 0.36 -0.43 0.08 0.16 0.11 0.16 0.48 -0.19 -0.17
Alpha NA 0.0 -0.01 -0.01 -0.01 NA NA 0.0 0.01 -0.01 -0.03 -0.02 -0.02 0.0 0.01 -0.03 -0.01 0.0 -0.01 -0.02 -0.02 0.01 -0.03 0.01 0.03 -0.01 0.02 0.01 0.02 0.02 0.04 0.01 -0.01
Beta NA 0.46 0.56 0.55 0.57 NA NA 0.6 0.46 0.56 0.62 0.57 0.6 0.59 0.49 0.55 0.64 0.6 0.54 0.57 0.64 0.58 0.69 0.74 0.83 0.62 0.68 0.66 0.56 0.61 0.48 0.45 0.53
RSquared NA 0.82 0.76 0.78 0.83 NA NA 0.85 0.82 0.86 0.69 0.77 0.77 0.9 0.85 0.81 0.69 0.81 0.88 0.83 0.87 0.88 0.94 0.9 0.92 0.91 0.9 0.8 0.75 0.73 0.81 0.82 0.91
Sortino Ratio NA 0.85 0.86 0.34 0.49 NA NA 0.41 0.77 1.57 0.66 -1.33 1.34 0.61 3.82 -1.29 2.81 0.81 -0.48 0.47 2.17 2.17 -0.52 1.14 1.83 -1.33 0.64 2.14 1.31 1.72 4.01 -0.92 -1.02
Yield(%) N/A 3.0 3.6 3.2 3.4 3.7 4.2 0.0 1.5 3.1 3.3 4.8 1.7 1.4 3.0 2.5 1.9 2.6 2.0 1.8 2.2 2.9 2.4 2.4 2.5 2.3 3.3 2.9 3.1 2.2 1.9 1.1 1.7
Dividend Growth(%) N/A 14.5 32.5 70.3 68.2 N/A N/A N/A -46.8 2.9 -41.5 213.1 33.6 -44.2 7.8 42.8 -21.7 27.8 11.2 -7.7 -18.2 14.6 12.0 25.8 -20.8 -22.8 28.5 0.4 56.5 45.9 52.3 -36.0 N/A

*: NOT annualized;YTD: Year to Date
**Inception: starting from 12/31/2000

Tax Performance Analytics
Commission Fee ($ per transaction)      Long Term Tax Rate (%)
Short Term Tax Rate (%)      Monthly Withdraw ($)
Monthly Deposit ($)      Tax on Withdraw (%)
Initial Amount ($)      Estimation Method
The start date of the charts is 01/02/2001 when all charts have data
Portfolio Description
This model portfolio uses Strategic Asset Allocation - Optimal strategy. Asset weights of available asset classes Emerging Market Equity, International Equity, US Equity, Real Estate, General Bond in test_TD Ameritrade Commission Free ETFs are derived based on long term asset trends and their correlations. For each major asset class, one or two funds are selected:
   1. Risk allocation: the risk profile of this portfolio is 40. The total allocation of the fixed income asset should be at least 40%.

   2. Asset weights:
  • Emerging Market Equity
  • International Equity
  • US Equity
  • Real Estate
  • General Bond
  • 9.5%
  • 19.0%
  • 23.5%
  • 8.0%
  • 40.0%

   3. Fund selection: one or two top performing funds among 101 available funds in the plan are chosen for each asset. They are usually equally weighted within the asset by default. Volatile funds or ETFs with small trading volume are ignored.

   4. Rebalance frequency: the portfolio is reviewed by the strategy program monthly and the above steps are repeated. Asset weights are rebalanced back to target allocation if it is necessary.

   5. Simulation: Performance data before this portfolio went public are obtained from historical simulation. They are hypothetical.
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