Terence test plan 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 Terence test plan

Total Available Funds: 170

Asset Class

Ticker

Description

US EQUITY
Mid-Cap Growth	AAXCX	Adaptive Allocation Portfolio
LARGE GROWTH	ACAAX	Alger Capital Appreciation
MID-CAP VALUE	AVUAX	American Century Mid Cap Value
LARGE GROWTH	FCNTX	Fidelity Contrafund
Mid-Cap Growth	FSMGX	Fidelity Mid Cap
LARGE VALUE	ACSDX	Invesco Van Kampen Comstock
Mid-Cap Growth	IYMIX	Ivy Funds Mid Cap Growth
MID-CAP VALUE	JAMVX	Janus Aspen Perkins Mid Cap Value
LARGE GROWTH	LSIFX	Legg Mason CBA Var Aggressive Growth
LARGE VALUE	PEIYX	Putnam Equity Income
SMALL BLEND	RMCFX	Royce Micro-Cap
LARGE GROWTH	RPG	Rydex S&P 500 Pure Growth
Mid-Cap Growth	RFG	Rydex S&P MidCap 400 Pure Growth
Mid-Cap Growth	STDIX	Wells Fargo Adv Discovery
LARGE GROWTH	ONEQ	Avant Tracking Fund
LARGE BLEND	GETFX	Ibbotson Conservat. ETF Allocation
LARGE BLEND	GETFX	Ibbotson Incm&Grth ETF Allocation
LARGE BLEND	BMPIX	ProFunds Basic Materials
LARGE BLEND	BLPIX	ProFunds Bull
LARGE GROWTH	LGPIX	ProFunds Large-Cap Growth
LARGE VALUE	LVPIX	ProFunds Large-Cap Value
MID-CAP BLEND	MDPIX	ProFunds Mid-Cap
Mid-Cap Growth	MGPSX	ProFunds Mid-Cap Growth
MID-CAP VALUE	MLPIX	ProFunds Mid-Cap Value
US EQUITY	POGS	ProFunds Oil and Gas
MID-CAP BLEND	MDPIX	ProFunds Short Mid-Cap
SMALL BLEND	SLPIX	ProFunds Small Cap
Small Growth	SGPIX	ProFunds Small-Cap Growth
SMALL VALUE	SVPIX	ProFunds Small-Cap Value
US EQUITY	PRTLQ	ProFunds Telecommunications
LARGE BLEND	ULPIX	ProFunds UltraBull
MID-CAP BLEND	UMPIX	ProFunds UltraMid-Cap
LARGE GROWTH	UOPIX	ProFunds UltraNASDAQ-100
SMALL BLEND	UAPIX	ProFunds UltraSmall-Cap
LARGE BLEND	REASX	Russell Core Bond
LARGE VALUE	RYCVX	Rydex Dow 2x Strategy
MID-CAP BLEND	RYMDX	Rydex Mid Cap 1.5X Strategy
LARGE VALUE	RPV	Rydex S&P 500 Pure Value
MID-CAP VALUE	RFV	Rydex S&P MidCap 400 Pure Value
Small Growth	RZG	Rydex S&P SmallCap 600 Pure Growth
SMALL VALUE	RZV	Rydex S&P SmallCap 600 Pure Value
LARGE BLEND	SCHB	Rydex U.S. Gov
LARGE BLEND	CLSAX	Rydex

COMMODITIES
COMMODITIES BROAD BASKET	CRSOX	Credit Suisse Commodity Ret Strat
COMMODITIES BROAD BASKET	RYMBX	Rydex Commodities Strategy

INTERNATIONAL EQUITY
Foreign Small/Mid Value	SGOIX	First Eagle Overseas Var Fund
Foreign Large Growth	AIEVX	Invesco International Growth
Foreign Large Growth	JAIGX	Janus Aspen Overseas
EUROPE STOCK	UEPIX	ProFunds Europe 30
Foreign Large Blend	UNPIX	ProFunds International
EUROPE STOCK	RYEUX	Rydex Europe 1.25x Strategy
JAPAN STOCK	RYJSX	Rydex Japan 2x Strategy

FIXED INCOME
High Yield Bond	FVHIX	Franklin Income
LONG GOVERNMENT	PLTPX	PIMCO Long-Term U.S. Government
Short-Term Bond	PLDAX	PIMCO Low Duration
Inflation-Protected Bond	PRRIX	PIMCO Real Return
Intermediate-Term Bond	PTTRX	PIMCO Total Return
Intermediate-Term Bond	PICYX	Pioneer Bond Fund
Intermediate Government	PAGVX	Putnam American Government Income
WORLD BOND	TGBAX	Templeton Global Bond Securities
High Yield Bond	FYAIX	Access High Yield
Inflation-Protected Bond	PBPPX	American Century Inflation Protection
High Yield Bond	PDHYX	Direxion Dynamic HY Bond
Bank Loan	EIBLX	Eaton Vance Floating-Rate Income
High Yield Bond	FHIIX	Federated High Income Bond
High Yield Bond	SPHIX	Fidelity High Income
Intermediate-Term Bond	FBNDX	Fidelity Investment Grade Bond
Multisector Bond	FSICX	Fidelity Strategic Income
High Yield Bond	FVHIX	Franklin High Income
Multisector Bond	FKSAX	Franklin Strategic Income
Intermediate Government	EUSYX	Franklin U.S. Government
Intermediate Government	MGSIX	Invesco Government Securities
High Yield Bond	AHIYX	Invesco High Yield
WORLD BOND	IVSIX	Ivy Funds Bond
WORLD BOND	IVSIX	Ivy Funds Global Bond
High Yield Bond	WHIAX	Ivy Funds High Income
Short-Term Bond	SBSYX	Legg Mason WA Var Global HighYield Bond
Multisector Bond	SDSYX	Legg Mason WA Var Strategic Bond
Multisector Bond	LBDFX	Lord Abbett Bond Debenture
Short-Term Bond	LBSDX	Neuberger Berman Short Duration Bond
Emerging Markets Bond	PEMPX	PIMCO Emerging Markets Bond
High Yield Bond	PHIYX	PIMCO High Yield
ULTRASHORT BOND	PTSHX	PIMCO Short-Term
Multisector Bond	STIZX	Pioneer Strategic Income
LONG GOVERNMENT	GVPQX	ProFunds U.S. Government Plus
Multisector Bond	PDVYX	Putnam Diversified Income
High Yield Bond	PHYYX	Putnam High Yield
Multisector Bond	PDVYX	Putnam Income
LONG GOVERNMENT	RYGBX	Rydex Gov
Intermediate-Term Bond	SIUSX	Rydex
High Yield Bond	SIHBX	Rydex
WORLD BOND	RPIBX	T. Rowe Price Limited-Term Bond

Others
Moderate Allocation	ACETX	Invesco Van Kampen Equity and Income
World Allocation	IVAEX	Ivy Funds Asset Strategy
Technology	ISTIX	Ivy Funds Science and Technology
Moderate Allocation	JABLX	Janus Aspen Balanced
Moderate Allocation	PAAIX	PIMCO All Asset
Market Neutral	MERFX	The Merger Fund VL
Natural Resources	GHAIX	Van Eck Global Hard Assets
ROOT	N/A	JNF Money Market
Currency	AYT	ProFunds Asia 30
Financial	BKPIX	ProFunds Banks
Bear Market	BRPIX	ProFunds Bear
Health	BIPIX	ProFunds Biotechnology
Consumer Staples	CNPSX	ProFunds Consumer Goods
Consumer Discretionary	CYPIX	ProFunds Consumer Services
Currency	FDPIX	ProFunds Falling US Dollar
Financial	FNPIX	ProFunds Financials
Health	HCPIX	ProFunds Health Care
Bear Market	SIJ	ProFunds Industrials
Technology	INPIX	ProFunds Internet
Bear Market	UKPIX	ProFunds Japan
ROOT	N/A	ProFunds Money Market
Bear Market	SOPIX	ProFunds NASDAQ-100
Health	PHPIX	ProFunds Pharmaceuticals
EQUITY PRECIOUS METALS	PMPIX	ProFunds Precious Metals
Bear Market	SRPIX	ProFunds Real Estate
Bear Market	RRPIX	ProFunds Rising Rates Opportunity
Technology	SMPIX	ProFunds Semiconductor
Bear Market	EUM	ProFunds Short Emerging Markets
Bear Market	SOPIX	ProFunds Short International
Bear Market	SOPIX	ProFunds Short NASDAQ-100
Bear Market	SHPIX	ProFunds Short Small-Cap
Technology	TEPIX	ProFunds Technology
Bear Market	USPIX	ProFunds UltraShort NASDAQ-100
Utilities	UTPIX	ProFunds Utilities
ROOT	GCSTX	Russell Conservative Strategy
Financial	RYKIX	Rydex Banking
Natural Resources	RYBIX	Rydex Basic Materials
Health	RYOIX	Rydex Biotechnology
Consumer Staples	RYCIX	Rydex Consumer Products
Technology	RYSIX	Rydex Electronics
Equity Energy	RYEIX	Rydex Energy
Equity Energy	RYVIX	Rydex Energy Services
Financial	RYFIX	Rydex Financial Services
Health	RYHIX	Rydex Health Care
Technology	RYIIX	Rydex Internet
Bear Market	RYCWX	Rydex Inverse Dow 2x Strategy
Bear Market	RYJUX	Rydex Inverse Gov Long Bond Strategy
Bear Market	RYAGX	Rydex Inverse Mid-Cap Strategy
Bear Market	RYAPX	Rydex Inverse NASDAQ-100 Strategy
Bear Market	RYAFX	Rydex Inverse Russell 2000 Strategy
Bear Market	RYURX	Rydex Inverse S&P 500 Strategy
Consumer Discretionary	RYLIX	Rydex Leisure
Bear Market	RYTMX	Rydex S&P 500 2x Strategy
Currency	RYWDX	Rydex Strength Dollar 2x Strategy
Technology	RYTIX	Rydex Technology
Communications	RYMIX	Rydex Telecommunications
Industrials	RYPIX	Rydex Transportation
Utilities	RYUIX	Rydex Utilities
Currency	RYWBX	Rydex Weakening Dollar 2X Strategy
Conservative Allocation	RYEPX	Rydex
Moderate Allocation	CLERX	Rydex
World Allocation	CLBLX	Rydex
Natural Resources	GHAIX	Van Eck Global Bond
NotFound	NotFound	PIMCO Global Bond - Unhedged
NotFound	NotFound	PIMCO Foreign Bond (US Dollar Hedged)
NotFound	NotFound	PIMCO Foreign Bond - Unhedged
NotFound	NotFound	Rydex NASDAQ-100 2x Strategy
NotFound	NotFound	Rydex NASDAQ-100 Strategy
NotFound	NotFound	Rydex Nova
NotFound	NotFound	Rydex Precious Metals
NotFound	NotFound	Rydex Real Estate
NotFound	NotFound	Rydex Retailing
NotFound	NotFound	Rydex Russell 2000 1.5x Strategy
NotFound	NotFound	Rydex Russell 2000 2x Strategy

REAL ESTATE
REAL ESTATE	PRRSX	PIMCO CommodityRealReturn Strategy
Global Real Estate	IGREX	Invesco Global Real Estate
Global Real Estate	DFGEX	Russell Global Real Estate Securities

Emerging Market
DIVERSIFIED EMERGING MKTS	UUPIX	ProFunds Emerging Markets

Investment model portfolios

We provide two types of investment model portfolios for Terence test 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

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