Merrill Edge Total Return Bond Plus Plan Investment Model Portfolios

This is an application to Etrade All Star Funds. All of funds have a 90 day minimum holding period, which is the default option.

Investment options of Merrill Edge Total Return Bond Plus Plan

Total Available Funds: 10

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	PTTAX	PIMCO Total Return A
Intermediate-Term Bond	TGMNX	TCW Total Return Bond N
Intermediate-Term Bond	PBDAX	PIMCO Investment Grade Corp Bd A
Intermediate-Term Bond	DLTNX	DoubleLine Total Return Bond N
Intermediate-Term Bond	MWTRX	Metropolitan West Total Return Bond M
Multisector Bond	PONAX	PIMCO Income A
Muni National Long	PRTAX	T. Rowe Price Tax-Free Income Inv
High Yield Muni	PRFHX	T. Rowe Price Tax-Free High-Yield
Muni National Interm	UTEIX	USAA Tax Exempt Intermediate-Term Adv
Muni National Short	UTESX	USAA Tax Exempt Short-Term Adv

Investment model portfolios

We provide two types of investment model portfolios for Merrill Edge Total Return Bond Plus Plan 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

Click here for more plan details and features ►