Schwab ETF Select List Investment Model Portfolios

This plan provides you with Schwab's experts’ top picks of low-cost ETFs representing approximately 50 asset categories, based on rigorous criteria including expenses, tracking error, trading volume, and more. Schwab ETFs trade commission free. There are no redemption periods so you can start today and not worry about holding periods.

Investment options of Schwab ETF Select List

Total Available Funds: 66

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	SCHX	Schwab U.S. Large-Cap ETF
LARGE GROWTH	SCHG	Schwab U.S. Large-Cap Growth ETF
LARGE VALUE	SCHV	Schwab U.S. Large-Cap Value ETF
LARGE BLEND	RSP	Guggenheim S&P 500 Equal Weight
Mid-Cap Growth	SPHQ	PowerShares S&P 500 High Quality
LARGE VALUE	SPLV	PowerShares S&P 500 Low Volatility
MID-CAP BLEND	SCHM	Schwab U.S. Mid-Cap ETF
Mid-Cap Growth	MDYG	SPDR S&P 400 Mid Cap Growth ETF
MID-CAP VALUE	VOE	Vanguard Mid-Cap Value ETF
SMALL BLEND	SCHA	Schwab U.S. Small-Cap ETF
Small Growth	SLYG	SPDR S&P 600 Small Cap Growth ETF
SMALL VALUE	SLYV	SPDR S&P 600 Small Cap Value ETF
SMALL BLEND	PRFZ	PowerShares FTSE RAFI US 1500 Small-Mid
LARGE BLEND	SCHB	Schwab U.S. Broad Market ETF
LARGE BLEND	SCHD	Schwab U.S. Dividend Equity ETF
LARGE VALUE	CVY	Guggenheim Multi-Asset Income

INTERNATIONAL EQUITY
Foreign Large Blend	SCHF	Schwab International Equity ETF
Foreign Large Growth	EFG	iShares MSCI EAFE Growth Index
Foreign Large Value	EFV	iShares MSCI EAFE Value Index
Foreign Large Value	PXF	PowerShares FTSE RAFI Dev Mkts ex-US
Foreign Large Value	EFAV	iShares MSCI EAFE Min Volatility
Foreign Small/Mid Blend	SCHC	Schwab International Small-Cap Eq ETF
Foreign Large Blend	CWI	SPDR MSCI ACWI (ex-US)
WORLD STOCK	VT	Vanguard Total World Stock Index ETF
EUROPE STOCK	VGK	Vanguard MSCI Europe ETF
DIVERSIFIED PACIFIC/ASIA	VPL	Vanguard MSCI Pacific ETF
PACIFIC/ASIA EX-JAPAN STK	EPP	iShares MSCI Pacific ex-Japan
JAPAN STOCK	NKY	MAXIS Nikkei 225 Index ETF

Emerging Market
DIVERSIFIED EMERGING MKTS	SCHE	Schwab Emerging Markets Equity ETF
China Region	YAO	Guggenheim China All-Cap

FIXED INCOME
Short-Term Bond	BSV	Vanguard Short-Term Bond ETF
Short-Term Bond	VCSH	Vanguard Short-Term Corp Bd Idx ETF
Muni National Short	SMB	Market Vectors Short Municipal Index ETF
SHORT GOVERNMENT	SCHO	Schwab Short-Term U.S. Treasury ETF
Intermediate-Term Bond	SCHZ	Schwab U.S. Aggregate Bond ETF
Intermediate-Term Bond	VCIT	Vanguard Interm-Tm Corp Bd Idx ETF
Muni National Long	MUB	iShares S&P National AMT-Free Muni Bd
Intermediate Government	SCHR	Schwab Intermediate-Term U.S. Trsy ETF
Long-Term Bond	BLV	Vanguard Long-Term Bond Index ETF
Long-Term Bond	VCLT	Vanguard Long-Term Corp Bond Idx ETF
Muni National Long	MLN	Market Vectors Long Municipal Index ETF
LONG GOVERNMENT	TLO	SPDR Barclays Capital Long Term Treasury
High Yield Bond	PHB	PowerShares Fundamental High Yld Corp Bd
Inflation-Protected Bond	SCHP	Schwab U.S. TIPS ETF
WORLD BOND	BWX	SPDR Barclays Capital Intl Treasury Bond
Emerging Markets Bond	PCY	PowerShares Emerging Mkts Sovereign Debt

Others
MISCELLANEOUS SECTOR	PGX	PowerShares Preferred
Consumer Cyclical	VCR	Vanguard Consumer Discretionary ETF
Consumer Defensive	VDC	Vanguard Consumer Staples ETF
Equity Energy	VDE	Vanguard Energy ETF
Equity Energy	PBW	PowerShares WilderHill Clean Energy
Financial	VFH	Vanguard Financials ETF
Health	VHT	Vanguard Health Care ETF
Industrials	VIS	Vanguard Industrials ETF
Natural Resources	VAW	Vanguard Materials ETF
Technology	VGT	Vanguard Information Technology ETF
Communications	VOX	Vanguard Telecom Services ETF
Utilities	VPU	Vanguard Utilities ETF

COMMODITIES
COMMODITIES BROAD BASKET	USCI	United States Commodity Index
Commodities Agriculture	DBA	PowerShares DB Agriculture
Commodities Precious Metals	SGOL	ETFS Physical Swiss Gold Shares
Commodities Precious Metals	GLTR	ETFS Physical PM Basket Shares
Commodities Industrial Metals	DBB	PowerShares DB Base Metals
Commodities Energy	USL	United States 12 Month Oil
Commodities Energy	DBE	PowerShares DB Energy

REAL ESTATE
REAL ESTATE	SCHH	Schwab US REIT ETF

Investment model portfolios

We provide two types of investment model portfolios for Schwab ETF Select List 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
Schwab ETF Select List Strategic Asset Allocation - Optimal Moderate	1.96%	47.99%	14.56%	14.64%	5.58%	6.13%	5.47%	5.56%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	-4.31%	8.32%	8.91%	18.53%	12.39%	13.02%	10.12%	8.27%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	0.22%	6.30%	4.36%	9.01%	5.84%	6.67%	5.91%	5.57%

	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 (%)	Schwab ETF Se... Moderate	-0.35	47.99	14.56	14.64	5.58	6.13	5.47	5.56	1.96	51.05	7.06	-14.76	8.67	14.83	10.09	-14.69	11.71	-4.26	-0.67	5.55	7.65	9.35	1.60	13.01	25.30	-28.27	8.40	11.05	5.74	10.86	25.44	-10.29	2.83	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)	-2.69	8.32	8.91	18.53	12.39	13.02	10.12	8.27	-4.31	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)	-1.44	6.30	4.36	9.01	5.84	6.67	5.91	5.57	0.22	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	Schwab ETF Se... Moderate	NA	1.41	0.65	0.63	0.30	NA	NA	0.34	0.34	1.45	0.41	-1.30	1.01	0.76	1.21	-1.29	2.43	-0.42	-0.09	0.94	1.06	1.55	0.13	1.15	1.31	-1.27	0.58	0.88	0.53	1.19	2.84	-0.94	0.03	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	0.56	0.65	0.76	0.62	NA	NA	0.45	0.07	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	0.70	0.44	0.53	0.46	NA	NA	0.50	0.67	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(%)	Schwab ETF Se... Moderate	NA	33.06	20.65	17.20	14.71	NA	NA	13.03	10.45	32.62	8.30	12.44	8.56	19.15	7.11	12.43	4.55	10.72	8.10	5.86	7.22	6.00	12.31	11.23	19.28	22.99	8.99	8.65	6.61	8.28	8.69	12.22	12.83	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	19.71	17.80	17.79	18.48	NA	NA	18.11	26.03	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	10.41	10.49	10.27	10.41	NA	NA	11.49	13.21	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(%)	Schwab ETF Se... Moderate	NA	7.15	13.31	20.97	27.33	NA	NA	40.38	7.15	3.91	8.52	20.95	4.51	21.76	5.35	19.90	2.48	8.10	9.10	4.26	8.25	3.92	11.94	8.14	17.20	37.58	6.27	9.01	4.85	7.38	7.56	18.95	16.92	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(%)	Schwab ETF Se... Moderate	NA	3.01	2.77	2.81	2.18	NA	NA	1.89	NA	0.68	2.82	2.76	2.14	3.52	2.03	1.16	0.42	1.90	2.34	2.14	1.55	2.53	1.68	1.97	2.34	0.89	3.08	2.34	1.32	1.13	0.90	0.73	1.11	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 03/31/2025, 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
Schwab ETF Select List Tactical Asset Allocation Moderate	NA	46.13%	6.83%	12.58%	6.13%	6.58%	7.16%	6.55%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	8.70%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	5.79%

	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 (%)	Schwab ETF Se... Moderate	-0.60	46.13	6.83	12.58	6.13	6.58	7.16	6.55	NA	44.73	-0.26	-16.99	20.28	21.35	6.21	-8.97	6.09	5.24	-5.75	4.29	9.51	1.38	6.61	16.29	1.44	4.47	9.92	18.94	9.37	3.49	3.15	1.24	2.31	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	8.70	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)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	5.79	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	Schwab ETF Se... Moderate	NA	1.15	0.10	0.43	0.26	NA	NA	0.42	0.07	1.12	-0.35	-0.77	1.53	1.41	0.91	-1.00	0.86	0.71	-0.87	0.60	1.12	0.22	0.65	1.23	0.14	0.36	0.99	1.87	1.03	1.23	0.39	0.03	0.01	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	0.56	0.65	0.76	0.62	NA	NA	0.45	0.07	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	0.70	0.44	0.53	0.46	NA	NA	0.50	0.67	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(%)	Schwab ETF Se... Moderate	NA	33.89	25.05	21.35	15.96	NA	NA	11.91	2.82	33.91	12.80	23.77	13.24	15.01	5.28	10.31	6.34	7.08	6.65	7.08	8.48	5.98	10.09	13.21	9.70	9.99	7.03	8.38	7.02	2.07	6.26	4.40	0.05	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	19.71	17.80	17.79	18.48	NA	NA	18.11	26.03	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	10.41	10.49	10.27	10.41	NA	NA	11.49	13.21	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(%)	Schwab ETF Se... Moderate	NA	4.28	29.76	29.76	29.76	NA	NA	29.76	0.18	4.28	8.84	27.73	7.21	21.35	2.93	16.03	2.91	9.26	10.10	6.68	7.70	5.97	7.43	8.83	6.89	15.14	5.59	6.80	4.05	1.25	6.81	4.42	0.00	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(%)	Schwab ETF Se... Moderate	NA	2.78	2.72	2.54	1.89	NA	NA	2.25	NA	0.31	2.69	2.73	2.42	2.51	2.16	1.22	0.24	2.27	0.94	1.77	1.99	3.09	2.26	3.68	3.69	2.19	3.54	2.87	3.29	1.59	0.99	0.99	2.31	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 10/31/2024, AR inception is 12/31/2000

Asset Allocation Composite Model Portfolio

The following model portfolio is based on the MyPlanIQ Asset Allocation Composite (AAC) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
Schwab ETF Select List Asset Allocation Composite Moderate	NA	50.67%	8.55%	7.42%	5.26%	6.26%	6.69%	7.37%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	34.25%	10.57%	15.70%	13.31%	14.08%	10.54%	8.97%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	18.09%	3.51%	6.88%	6.22%	7.13%	6.08%	5.92%

	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 (%)	Schwab ETF Se... Moderate	1.18	50.67	8.55	7.42	5.26	6.26	6.69	7.37	NA	39.24	7.10	-19.14	11.69	0.70	19.54	-11.16	9.10	3.13	-1.72	10.35	9.22	11.75	3.80	7.08	15.47	-2.59	8.82	11.74	5.98	12.32	22.94	1.11	2.31	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)	1.08	34.25	10.57	15.70	13.31	14.08	10.54	8.97	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)	1.16	18.09	3.51	6.88	6.22	7.13	6.08	5.92	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	Schwab ETF Se... Moderate	NA	1.16	0.21	0.30	0.24	NA	NA	0.53	0.16	1.10	0.37	-1.70	1.22	0.04	3.06	-1.10	1.63	0.44	-0.25	1.65	1.14	1.57	0.24	0.61	1.28	-0.37	0.56	1.07	0.56	1.38	3.22	0.01	0.01	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	0.56	0.65	0.76	0.62	NA	NA	0.45	0.07	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	0.70	0.44	0.53	0.46	NA	NA	0.50	0.67	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(%)	Schwab ETF Se... Moderate	NA	29.60	18.97	16.28	12.72	NA	NA	10.61	7.33	29.63	7.77	12.08	9.55	12.47	5.92	11.30	5.19	6.67	6.98	6.25	8.08	7.46	15.43	11.44	11.97	9.48	10.32	7.93	6.86	8.27	6.91	0.01	0.05	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	19.71	17.80	17.79	18.48	NA	NA	18.11	26.03	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	10.41	10.49	10.27	10.41	NA	NA	11.49	13.21	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(%)	Schwab ETF Se... Moderate	NA	5.05	19.24	23.58	23.58	NA	NA	23.58	1.83	4.56	7.58	21.46	4.05	22.28	2.64	15.54	2.84	6.34	8.16	3.94	8.50	5.16	13.79	8.98	5.75	12.22	7.05	8.41	4.53	7.40	2.22	0.00	0.00	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(%)	Schwab ETF Se... Moderate	NA	3.32	2.59	2.67	2.40	NA	NA	2.21	NA	0.76	3.52	1.90	2.12	2.29	3.14	1.95	1.93	2.16	2.01	2.73	2.02	3.16	2.30	3.05	2.35	0.00	1.30	2.68	1.99	2.51	1.54	1.11	2.31	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 11/29/2024, AR inception is 12/31/2000

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