Based on an article published by Bank Investment Consultant by Matt Ackermann, Vanguard, one of the largest index fund and ETF providers, will offer commission-free trading to its brokerage clients that use its lineups of 46 proprietary ETFs. This represents a comparable move as Fidelity and Schwab. In addition to Fidelity and Schwab plans, MyPlanIQ now has a Vanguard major ETF plan. Notice since most Vanguard ETFs have short history, the performance data of the model portfolios are meaningful since 2003 (before that, most ETFs did not exist). The following is the list of the ETFs supported in this plan (for up to date info, please see the Vanguard ETF page.
| Consumer Discretionary | VCR | Stock - Sector | 21.61% | 55.94% | 3.59% | — | 2.71% | 01/26/2004 | |
| Consumer Staples | VDC | Stock - Sector | 5.66% | 30.32% | 6.76% | — | 6.87% | 01/26/2004 | |
| Dividend Appreciation | VIG | Stock - Large-Cap Blend | 7.99% | 34.67% | — | — | 1.88% | 04/21/2006 | |
| Emerging Markets | VWO | International | 3.10% | 55.90% | 15.64% | — | 12.96% | 03/04/2005 | |
| Energy | VDE | Stock - Sector | 6.40% | 35.05% | 10.06% | — | 12.18% | 09/23/2004 | |
| Europe Pacific | VEA | International | –0.82% | 34.51% | — | — | –10.68% | 07/20/2007 | |
| European | VGK | International | –4.15% | 34.33% | 3.42% | — | 2.16% | 03/04/2005 | |
| Extended Duration Treasury | EDV | Bond - Long-term Treasury | 3.78% | –7.29% | — | — | 1.17% | 12/06/2007 | |
| Extended Market | VXF | Stock - Mid-Cap Blend | 16.43% | 51.39% | 6.46% | — | 7.20% | 12/27/2001 | |
| Financials | VFH | Stock - Sector | 16.43% | 50.47% | –5.64% | — | –4.30% | 01/26/2004 | |
| FTSE All-World ex-US | VEU | International | 0.69% | 40.55% | — | — | –2.43% | 03/02/2007 | |
| FTSE All-World ex-US Small-Cap | VSS | International | 6.38% | 55.17% | — | — | 61.56% | 04/02/2009 | |
| Growth | VUG | Stock - Large-Cap Growth | 7.80% | 38.97% | 4.29% | — | 2.85% | 01/26/2004 | |
| Health Care | VHT | Stock - Sector | 2.55% | 33.76% | 2.94% | — | 2.66% | 01/26/2004 | |
| High Dividend Yield | VYM | Stock - Large-Cap Value | 7.89% | 37.46% | — | — | –3.19% | 11/10/2006 | |
| Industrials | VIS | Stock - Sector | 18.80% | 50.93% | 4.44% | — | 5.24% | 09/23/2004 | |
| Information Technology | VGT | Stock - Sector | 6.05% | 44.78% | 7.15% | — | 2.50% | 01/26/2004 | |
| Intermediate-Term Bond | BIV | Bond - Inter-term Treasury | 3.23% | 11.57% | — | — | 7.13% | 04/03/2007 | |
| Intermediate-Term Corporate Bond | VCIT | Bond - Inter-term Investment | 4.07% | — | — | — | 4.48% | 11/19/2009 | |
| Intermediate-Term Government Bond | VGIT | Bond - Inter-term Treasury | 2.09% | — | — | — | 0.67% | 11/19/2009 | |
| Large-Cap | VV | Stock - Large-Cap Blend | 8.73% | 39.52% | 3.27% | — | 3.23% | 01/27/2004 | |
| Long-Term Bond | BLV | Bond - Long-term Treasury | 4.16% | 15.05% | — | — | 6.84% | 04/03/2007 | |
| Long-Term Corporate Bond | VCLT | Bond - Long-term Investment | 4.30% | — | — | — | 4.33% | 11/19/2009 | |
| Long-Term Government Bond | VGLT | Bond - Long-term Treasury | 3.22% | — | — | — | –0.21% | 11/19/2009 | |
| Materials | VAW | Stock - Sector | 5.99% | 42.18% | 7.42% | — | 8.00% | 01/26/2004 | |
| Mega Cap 300 | MGC | Stock - Large-Cap Blend | 7.58% | 37.17% | — | — | –5.92% | 12/17/2007 | |
| Mega Cap 300 Growth | MGK | Stock - Large-Cap Growth | 6.74% | 37.22% | — | — | –3.29% | 12/17/2007 | |
| Mega Cap 300 Value | MGV | Stock - Large-Cap Value | 8.39% | 37.45% | — | — | –8.55% | 12/17/2007 | |
| Mid-Cap | VO | Stock - Mid-Cap Blend | 14.37% | 51.25% | 5.68% | — | 6.22% | 01/26/2004 | |
| Mid-Cap Growth | VOT | Stock - Mid-Cap Growth | 12.92% | 46.60% | — | — | 1.68% | 08/17/2006 | |
| Mid-Cap Value | VOE | Stock - Mid-Cap Value | 15.80% | 55.78% | — | — | 1.78% | 08/17/2006 | |
| Mortgage-Backed Securities | VMBS | Bond - Inter-term Treasury | 1.72% | — | — | — | 1.34% | 11/19/2009 | |
| Pacific | VPL | International | 6.01% | 35.31% | 4.67% | — | 3.37% | 03/04/2005 | |
| REIT | VNQ | Stock - Sector | 21.94% | 71.42% | 4.46% | — | 6.56% | 09/23/2004 | |
| Short-Term Bond | BSV | Bond - Short-term Treasury | 1.38% | 5.04% | — | — | 5.63% | 04/03/2007 | |
| Short-Term Corporate Bond | VCSH | Bond - Short-term Investment | 2.34% | — | — | — | 2.58% | 11/19/2009 | |
| Short-Term Government Bond | VGSH | Bond - Short-term Treasury | 0.80% | — | — | — | 0.40% | 11/19/2009 | |
| Small-Cap | VB | Stock - Small-Cap Blend | 18.18% | 54.19% | 6.77% | — | 5.83% | 01/26/2004 | |
| Small-Cap Growth | VBK | Stock - Small-Cap Growth | 16.97% | 52.45% | 7.59% | — | 5.41% | 01/26/2004 | |
| Small-Cap Value | VBR | Stock - Small-Cap Value | 19.40% | 55.82% | 5.68% | — | 5.98% | 01/26/2004 | |
| Telecommunication Services | VOX | Stock - Sector | 1.29% | 23.71% | 4.66% | — | 4.84% | 09/23/2004 | |
| Total Bond Market | BND | Bond - Inter-term Treasury | 2.34% | 8.20% | — | — | 6.35% | 04/03/2007 | |
| Total Stock Market | VTI | Stock - Large-Cap Blend | 9.85% | 41.32% | 3.63% | — | 2.08% | 05/24/2001 | |
| Total World Stock | VT | International | 3.84% | 39.52% | — | — | –5.01% | 06/24/2008 | |
| Utilities | VPU | Stock - Sector | 1.57% | 24.74% | 4.24% | — | 7.66% | 01/26/2004 | |
| Value | VTV | Stock - Large-Cap Value | 9.63% | 40.34% | 2.10% | — | 3.14% |
01/26/2004 |
Investment options of test_Vanguard ETFs
Total Available Funds: 53
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Investment model portfolios
We provide two types of investment model portfolios for test_Vanguard ETFs participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Example model portfolios
The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.
Strategic Asset Allocation Model Portfolio
The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.
The return data shown below all delayed by 3 months. Their latest dates are all the same: 04/30/2025.
AR inception is since 12/31/2000.
AR inception is since 12/31/2000.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) | -4.97% | 11.94% | 11.80% | 15.55% | 12.21% | 12.85% | 10.16% | 8.24% |
| VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) | 1.15% | 10.14% | 6.94% | 7.68% | 5.84% | 6.64% | 6.00% | 5.62% |
Tactical Asset Allocation Model Portfolio
The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.
The return data shown below all delayed by 3 months. Their latest dates are all the same: 04/30/2025.
AR inception is since 12/31/2000.
AR inception is since 12/31/2000.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) | -4.97% | 11.94% | 11.80% | 15.55% | 12.21% | 12.85% | 10.16% | 8.24% |
| VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) | 1.15% | 10.14% | 6.94% | 7.68% | 5.84% | 6.64% | 6.00% | 5.62% |