USAA Investment Model Portfolios

Investment options of USAA

Total Available Funds: 47

Asset Class

Ticker

Description

US EQUITY
LARGE GROWTH	USAUX	USAA Aggressive Growth
LARGE BLEND	USGRX	USAA Growth & Income
LARGE GROWTH	USAAX	USAA Growth
LARGE VALUE	USISX	USAA Income Stock
SMALL BLEND	USCAX	USAA Small Cap Stock
LARGE VALUE	UVALX	USAA Value
MID-CAP BLEND	USMIX	USAA Extended Market Index
LARGE GROWTH	USNQX	USAA Nasdaq-100 Index
LARGE BLEND	USSPX	USAA S&P 500 Index Member
LARGE BLEND	USPRX	USAA S&P 500 Index Reward
LARGE BLEND	USTRX	USAA Total Return Strategy

INTERNATIONAL EQUITY
WORLD STOCK	USCGX	USAA Capital Growth
Foreign Large Growth	USIFX	USAA International
WORLD STOCK	USAWX	USAA World Growth

Emerging Market
DIVERSIFIED EMERGING MKTS	USEMX	USAA Emerging Markets

Others
EQUITY PRECIOUS METALS	USAGX	USAA Precious Metals and Minerals
Technology	USSCX	USAA Science & Technology
ROOT	unknow	UUSTX
ROOT	unknow	UCAXX
ROOT	unknow	UFLXX
ROOT	unknow	USAXX
ROOT	unknow	UNYXX
ROOT	unknow	USEXX
ROOT	unknow	UATXX
ROOT	unknow	UVAXX
Moderate Allocation	USBSX	USAA Balanced Strategy
Moderate Allocation	USCRX	USAA Cornerstone Strategy
Moderate Allocation	UFSGX	USAA First Start Growth
Conservative Allocation	USBLX	USAA Growth and Tax Strategy
ROOT	unknow	USRRX
Target Date 2016-2020	URTNX	USAA Target Retirement 2020
Target Date 2026-2030	URTRX	USAA Target Retirement 2030
Target Date 2036-2040	URFRX	USAA Target Retirement 2040
Target Date 2050+	URFFX	USAA Target Retirement 2050
Retirement Income	URINX	USAA Target Retirement Income

FIXED INCOME
Intermediate Government	USGNX	USAA GNMA
High Yield Bond	USHYX	USAA High-Yield Opportunities
Intermediate-Term Bond	USAIX	USAA Income
Intermediate-Term Bond	USIBX	USAA Intermediate-Term Bond
Short-Term Bond	USSBX	USAA Short-Term Bond
Muni California Long	USCBX	USAA CA Bond
Muni Single State Long	UFLTX	USAA FL Tax-Free Income
Muni New York Long	USNYX	USAA NY Bond
Muni National Interm	USATX	USAA Tax Exempt Intermediate-Term
Muni National Long	USTEX	USAA Tax Exempt Long-Term
Muni National Short	USSTX	USAA Tax Exempt Short-Term
Muni Single State Interm	USVAX	USAA VA Bond

Investment model portfolios

We provide two types of investment model portfolios for USAA 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.

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	Common	Inception
USAA Tactical Asset Allocation Moderate	NA	26.74%	4.97%	7.78%	6.11%	7.82%	9.43%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	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 (%)	USAA Tactical… Moderate	-1.07	26.74	4.97	7.78	6.11	7.82	9.43	…	…	NA	0.18	7.59	10.65	-9.08	9.18	10.98	19.08	-9.42	12.18	4.60	1.84	5.14	18.95	13.77	2.83	12.14	24.30	4.68	14.81	17.22	10.05	13.79	16.62	-2.34	-0.69	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)	-1.79	37.82	8.86	15.20	12.89	14.04	10.46	…	…	NA	17.72	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)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	…	…	NA	16.26	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	USAA Tactical… Moderate	NA	0.16	-0.02	0.22	0.33	NA	NA	…	…	NA	0.01	0.08	0.71	-0.85	0.83	0.53	2.36	-0.95	2.24	0.51	0.19	0.67	2.54	1.70	0.20	1.19	2.69	0.69	1.07	1.72	1.27	1.59	2.36	-0.73	-0.44	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	1.74	1.20	0.63	0.75	NA	NA	…	…	1.34	0.80	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	1.66	1.15	0.39	0.64	NA	NA	…	…	1.29	1.36	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(%)	USAA Tactical… Moderate	NA	12.89	11.52	13.65	11.41	NA	NA	…	…	NA	10.67	12.96	8.97	12.36	10.98	20.22	7.48	11.31	5.15	8.56	9.47	7.71	7.45	8.09	13.94	10.10	8.99	5.41	11.09	8.11	6.21	8.09	6.74	4.72	6.83	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	12.41	14.92	16.96	18.14	NA	NA	…	…	14.11	18.66	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	8.68	9.03	10.09	10.34	NA	NA	…	…	10.65	9.89	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(%)	USAA Tactical… Moderate	NA	10.37	12.86	24.77	24.77	NA	NA	…	…	NA	0.96	10.30	8.72	15.10	5.38	24.77	4.86	17.21	2.68	7.42	8.69	6.15	4.40	6.68	11.84	9.27	4.11	2.73	8.47	10.68	5.58	8.63	5.26	7.24	8.39	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	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	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	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	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(%)	USAA Tactical… Moderate	NA	3.92	4.84	4.21	4.15	NA	NA	…	…	NA	NA	1.12	3.65	4.91	4.79	3.64	3.61	5.33	2.68	4.76	4.02	3.67	5.39	4.30	4.35	3.36	4.00	4.47	6.68	5.56	3.89	3.33	2.71	4.40	5.08	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)	0.00	1.16	1.57	1.51	2.82	3.95	3.54	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.45	5.95	4.32	4.60	4.42	4.27	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2024, Common starting date is 12/31/2000

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