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

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.

Customize a model portfolio now

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%

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Inception	YTD	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	TEST_Retireme... Moderate	1.48	7.51	5.39	5.36	5.73	5.45	5.84	5.33	NA	NA	5.09	-9.06	13.02	7.08	17.99	-5.97	10.21	8.45	-0.45	5.19	8.09	11.15	3.42	12.17	19.56	-23.28	8.41	14.21	5.39	7.64	16.80	-7.00	-1.47	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	3.06	15.78	10.45	11.06	12.65	10.87	9.74	7.88	NA	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA...R SHARES)	1.96	7.92	2.88	4.55	5.86	5.57	6.03	5.35	NA	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	TEST_Retireme... Moderate	NA	0.47	0.29	0.34	0.35	NA	NA	0.33	NA	NA	0.16	-0.81	1.78	0.35	2.92	-0.34	2.24	1.00	-0.05	0.81	1.01	1.49	0.26	1.01	0.98	-0.99	0.49	1.50	0.48	1.05	1.80	-0.58	-0.29	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	0.60	0.95	0.80	0.65	NA	NA	0.45	0.51	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA...R SHARES)	NA	0.62	0.74	0.50	0.48	NA	NA	0.51	0.88	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	TEST_Retireme... Moderate	NA	9.46	9.82	11.92	11.65	NA	NA	12.35	NA	NA	8.44	12.91	7.31	19.44	5.68	21.37	4.27	8.25	8.76	6.37	7.98	7.44	13.26	11.94	19.87	24.41	10.99	7.29	6.74	6.39	8.97	13.90	13.13	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	19.74	17.13	17.38	18.46	NA	NA	18.09	23.24	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA...R SHARES)	NA	10.45	10.08	10.06	10.41	NA	NA	11.48	11.95	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	TEST_Retireme... Moderate	NA	6.57	17.21	22.86	22.86	NA	NA	39.93	NA	NA	6.57	17.21	3.57	22.86	2.87	18.99	1.56	5.00	8.31	4.94	8.34	5.13	11.18	8.65	20.11	35.20	6.32	5.44	4.58	5.90	7.96	17.97	16.28	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	18.76	18.76	24.59	33.83	NA	NA	55.25	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA...R SHARES)	NA	9.62	12.88	22.29	22.43	NA	NA	41.18	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	TEST_Retireme... Moderate	NA	5.63	4.25	3.44	3.00	NA	NA	3.06	NA	NA	4.45	4.21	3.21	1.97	2.49	2.31	0.60	3.79	2.52	3.62	2.99	3.32	3.78	3.64	3.42	3.62	3.25	3.27	3.10	2.62	1.67	1.64	1.77	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VSMGX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

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%

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Inception	YTD	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	TEST_Retireme... Moderate	1.42	-0.58	2.98	1.10	2.43	5.23	6.98	7.08	NA	NA	-0.60	-14.60	17.45	2.91	6.78	-6.02	9.24	3.26	-3.60	2.12	9.12	11.96	5.50	12.32	20.17	1.94	16.65	17.15	8.91	13.05	20.31	5.32	0.84	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	3.06	15.78	10.45	11.06	12.65	10.87	9.74	7.88	NA	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA...R SHARES)	1.96	7.92	2.88	4.55	5.86	5.57	6.03	5.35	NA	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	TEST_Retireme... Moderate	NA	-0.30	-0.04	-0.03	0.08	NA	NA	0.62	NA	NA	-0.47	-1.11	2.06	0.27	1.12	-0.96	1.66	0.49	-0.58	0.34	1.26	2.49	0.66	0.92	1.62	0.15	0.98	1.31	0.75	1.25	3.26	0.51	-0.16	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	0.60	0.95	0.80	0.65	NA	NA	0.45	0.51	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA...R SHARES)	NA	0.62	0.74	0.50	0.48	NA	NA	0.51	0.88	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	TEST_Retireme... Moderate	NA	10.51	10.94	9.81	8.24	NA	NA	9.02	NA	NA	9.31	14.34	8.44	9.97	4.81	7.63	5.18	6.20	6.25	6.24	7.21	4.77	8.24	13.33	12.37	6.76	13.88	10.57	8.95	9.64	6.01	8.25	9.21	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	19.74	17.13	17.38	18.46	NA	NA	18.09	23.24	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA...R SHARES)	NA	10.45	10.08	10.06	10.41	NA	NA	11.48	11.95	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	TEST_Retireme... Moderate	NA	9.66	20.32	20.32	20.32	NA	NA	20.32	NA	NA	9.66	20.32	4.41	14.69	2.35	11.87	1.98	5.71	8.12	7.16	7.37	2.75	6.30	8.98	5.37	6.24	8.78	12.30	6.71	13.49	2.36	11.90	9.17	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	18.76	18.76	24.59	33.83	NA	NA	55.25	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA...R SHARES)	NA	9.62	12.88	22.29	22.43	NA	NA	41.18	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	TEST_Retireme... Moderate	NA	3.10	3.44	2.87	2.69	NA	NA	2.83	NA	NA	2.31	3.76	3.63	1.37	2.59	2.13	0.82	2.60	2.85	4.24	2.69	3.29	3.07	3.29	3.84	2.87	3.53	2.51	2.94	1.68	2.12	1.78	2.35	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VSMGX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 08/31/2023, AR inception is 12/31/2000

Click here for more plan details and features ►