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TEST_Retirement Income ETFs
Investment Model Portfolios

This plan is designed for income producing purpose: high dividend (yield) stock ETFs are chosen for both US stocks and international stocks asset classes. We have decided to use general emerging market stocks ETFs (EEM or VWO) instead of some thinly traded high dividend emerging market stock ETFs. This situation will be changed once the high yield emerging market stock ETFs become more liquid and tradable.

Investment options of TEST_Retirement Income ETFs

Total Available Funds: 36
Asset Class Ticker Description
US EQUITY
LARGE BLEND VIG Vanguard Dividend Appreciation ETF
MID-CAP VALUE DVY iShares Dow Jones Select Dividend Index
LARGE VALUE SDY SPDR S&P Dividend
LARGE VALUE VYM Vanguard High Dividend Yield Indx ETF
LARGE VALUE SPLV PowerShares S&P 500 Low Volatility
LARGE VALUE DIA SPDR Dow Jones Industrial Average
LARGE VALUE USMV iShares MSCI USA Min Volatility
FIXED INCOME
Long-Term Bond PFF iShares S&P U.S. Preferred Stock Index
High Yield Bond HYG iShares iBoxx $ High Yield Corporate Bd
Long-Term Bond LQD iShares iBoxx $ Invest Grade Corp Bond
Intermediate-Term Bond CIU iShares Barclays Intermediate Credit Bd
Short-Term Bond CSJ iShares Barclays 1-3 Year Credit Bond
Short-Term Bond VCSH Vanguard Short-Term Corp Bd Idx ETF
Intermediate Government IEI iShares Barclays 3-7 Year Treasury Bond
LONG GOVERNMENT IEF iShares Barclays 7-10 Year Treasury
SHORT GOVERNMENT SHY iShares Barclays 1-3 Year Treasury Bond
Inflation-Protected Bond TIP iShares Barclays TIPS Bond
Intermediate-Term Bond MBB iShares Barclays MBS Bond
Muni National Interm MUB iShares S&P National AMT-Free Muni Bd
Muni National Short SHM SPDR Nuveen Barclays Capital S/T Muni Bd
Intermediate-Term Bond BOND PIMCO Total Return ETF
Short-Term Bond BSV Vanguard Short-Term Bond ETF
Intermediate-Term Bond BND Vanguard Total Bond Market ETF
Bank Loan BKLN PowerShares Senior Loan Port
High Yield Bond SJNK SPDR BarCap ST High Yield Bond ETF
INTERNATIONAL EQUITY
Foreign Large Value IDV iShares Dow Jones Intl Select Div Idx
EUROPE STOCK VGK Vanguard MSCI Europe ETF
Foreign Large Blend VEA Vanguard MSCI EAFE ETF
REAL ESTATE
REAL ESTATE IYR iShares Dow Jones US Real Estate
REAL ESTATE VNQ Vanguard REIT Index ETF
Emerging Market
DIVERSIFIED EMERGING MKTS EEM iShares MSCI Emerging Markets Index
DIVERSIFIED EMERGING MKTS VWO Vanguard MSCI Emerging Markets ETF
DIVERSIFIED EMERGING MKTS DEM WisdomTree Emerging Markets Equity Inc
Others
Equity Energy AMJ JPMorgan Alerian MLP Index ETN
Consumer Defensive XLP Consumer Staples Select Sector SPDR
Utilities XLU Utilities Select Sector SPDR

Investment model portfolios

We provide two types of investment model portfolios for TEST_Retirement Income ETFs participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

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.

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
TEST_Retirement Income ETFs Strategic Asset Allocation - Optimal Moderate NA 7.51% 5.39% 5.36% 5.73% 5.45% 5.84% 5.33%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 15.78% 10.45% 11.06% 12.65% 10.87% 9.74% 7.88%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 7.92% 2.88% 4.55% 5.86% 5.57% 6.03% 5.35%
Data as of 08/31/2023, AR inception is 12/31/2000

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
TEST_Retirement Income ETFs Tactical Asset Allocation Moderate NA -0.58% 2.98% 1.10% 2.43% 5.23% 6.98% 7.08%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 15.78% 10.45% 11.06% 12.65% 10.87% 9.74% 7.88%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 7.92% 2.88% 4.55% 5.86% 5.57% 6.03% 5.35%
Data as of 08/31/2023, AR inception is 12/31/2000