MY PLAN IQ Investment Model Portfolios

Total Available Funds: 35

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	VTI	Vanguard Total Stock Market ETF
LARGE GROWTH	VUG	Vanguard Growth ETF
LARGE GROWTH	QQQ	PowerShares QQQ
LARGE VALUE	DVY	iShares Dow Jones Select Dividend Index
LARGE VALUE	VTV	Vanguard Value ETF
MID-CAP BLEND	VO	Vanguard Mid-Cap ETF
Mid-Cap Growth	IJK	iShares S&P MidCap 400 Growth Index
MID-CAP VALUE	IJJ	iShares S&P MidCap 400 Value Index
SMALL BLEND	VB	Vanguard Small Cap ETF
Small Growth	VBK	Vanguard Small Cap Growth ETF
SMALL VALUE	VBR	Vanguard Small Cap Value ETF

INTERNATIONAL EQUITY
Foreign Large Blend	EFA	iShares MSCI EAFE Index
Foreign Large Blend	VEA	Vanguard Europe Pacific ETF
Foreign Large Growth	EFG	iShares MSCI EAFE Growth Index
Foreign Large Value	EFV	iShares MSCI EAFE Value Index
Foreign Small/Mid Value	SCZ	iShares MSCI EAFE Small Cap Index

Emerging Market
DIVERSIFIED EMERGING MKTS	VWO	Vanguard Emerging Markets Stock ETF

REAL ESTATE
REAL ESTATE	VNQ	Vanguard REIT Index ETF
Global Real Estate	RWX	SPDR Dow Jones Intl Real Estate

COMMODITIES
COMMODITIES BROAD BASKET	DBC	PowerShares DB Commodity Index Tracking
Commodities Precious Metals	GLD	SPDR Gold Shares

FIXED INCOME
SHORT GOVERNMENT	SHY	iShares Barclays 1-3 Year Treasury Bond
LONG GOVERNMENT	IEF	iShares Barclays 7-10 Year Treasury
Intermediate Government	IEI	iShares Barclays 3-7 Year Treasury Bond
Intermediate-Term Bond	BND	Vanguard Total Bond Market ETF
Long-Term Bond	LQD	iShares iBoxx $ Invest Grade Corp Bond
Short-Term Bond	CSJ	iShares Barclays 1-3 Year Credit Bond
Intermediate-Term Bond	CIU	iShares Barclays Intermediate Credit Bd
High Yield Bond	HYG	iShares iBoxx $ High Yield Corporate Bd
Inflation-Protected Bond	TIP	iShares Barclays TIPS Bond
WORLD BOND	WIP	SPDR DB Intl Govt Infl-Protected Bond
Intermediate-Term Bond	MBB	iShares Barclays MBS Bond
WORLD BOND	BWX	SPDR Barclays Capital Intl Treasury Bond
Emerging Markets Bond	EMB	iShares JPMorgan USD Emerg Markets Bond

Others
ROOT	CASH	CASH

We provide two types of investment model portfolios for MY PLAN IQ 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.