This plan is designed specifically for Folio Investing one-click portfolio management based on MyPlanIQ model portfolios.
However, it can be used for any other brokerage as it is ETF base.
We take the most liquid ETFs that represent diverse asset classes to form this plan. The following are the ETFs:
SPDR S&P 500 ETF SPY
Vanguard Total Stock Market ETF VTI
iShares Russell 1000 Growth Index (ETF) IWF
Vanguard Growth (ETF) VUG
PowerShares QQQ Trust, Series 1 (ETF) QQQQ
iShares Russell 1000 Value Index (ETF) IWD
iShares Dow Jones Select Dividend (ETF) DVY
Vanguard Value ETF VTV
Vanguard Dividend Appreciation ETF VIG
SPDR S&P Dividend (ETF) SDY
iShares S&P MidCap 400 Index (ETF) IJH
iShares Russell Midcap Index Fund (ETF) IWR
Vanguard Mid-Cap ETF VO
iShares S&P MidCap 400 Growth (ETF) IJK
iShares Russell Midcap Growth Idx. (ETF) IWP
iShares Russell Midcap Value Index (ETF) IWS
iShares S&P MidCap 400 Value Index (ETF) IJJ
iShares Russell 2000 Index (ETF) IWM
iShares S&P SmallCap 600 Index (ETF) IJR
Vanguard Small-Cap ETF VB
iShares Russell 2000 Growth Index (ETF) IWO
iShares S&P SmallCap 600 Growth (ETF) IJT
Vanguard Small-Cap Growth ETF VBK
iShares S&P SmallCap 600 Value Idx (ETF) IJS
Vanguard Small-Cap Value ETF VBR
iShares MSCI EAFE Index Fund (ETF) EFA
Vanguard Europe Pacific ETF VEA
iShares MSCI EAFE Growth Index (ETF) EFG
iShares MSCI EAFE Value Index (ETF) EFV
iShares Trust iShares MSCI EAFE Small Cap Index Fund ETF SCZ
iShares MSCI Emerging Markets Indx (ETF) EEM
Vanguard Emerging Markets ETF VWO
iShares Dow Jones US Real Estate (ETF) IYR
iShares Cohen & Steers Realty Maj. (ETF) ICF
Vanguard REIT ETF VNQ
SPDR DJ Wilshire Intnl Real Estate (ETF) RWX
PowerShares DB Com Indx Trckng Fund(ETF) DBC
iShares S&P GSCI Commodity-Indexed (ETF) GSG
SPDR Gold Trust (ETF) GLD
iShares Lehman 1-3 Year Treas.Bond (ETF) SHY
iShares Lehman 7-10 Yr Treas. Bond (ETF) IEF
iShares Lehman 3-7 Yr Treasury Bond(ETF) IEI
iShares Barclays 20+ Yr Treas.Bond (ETF) TLT
iShares Lehman Aggregate Bond (ETF) AGG
Vanguard Total Bond Market ETF BND
iShares IBoxx $ Invest Grade Corp Bd Fd LQD
iShares Barclays 1-3 Year Cred Bd Fd ETF CSJ
iShares Barclays Inter Crd Bd Fund ETF) CIU
iShares iBoxx $ High Yid Corp Bond (ETF) HYG
SPDR Barclays Capital High Yield B (ETF) JNK
iShares Barclays TIPS Bond Fund (ETF) TIP
SPDR DB Int’l Govt Infl Pro Bond (ETF) WIP
iShares Lehman MBS Bond Fund (ETF) MBB
SPDR Barclays Capital Intl Tresy Bd ETF BWX
iShares JPMorgan USD Emer Mkt Bnd Fd ETF EMB
Investment options of curt1229 MyPlanIQ Simple Core Allocation ETF Plan
Investment model portfolios
We provide two types of investment model portfolios for curt1229 MyPlanIQ Simple Core Allocation ETF 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.