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.