Retirement Income ETFs II Investment Model Portfolios

This plan is designed for high income producing purpose: high dividend (yield) stock ETFs are chosen for both US stocks and international stocks asset classes. For emerging market, we use WisdomTree Emerging Market Dividend ETF (DEM).

We also decide to add sector fund JPMorgan MLPs (AMJ) to increase yield.

Investment options of Retirement Income ETFs II

Total Available Funds: 36

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	VIG	Vanguard Dividend Appreciation ETF
LARGE VALUE	DVY	iShares Dow Jones Select Dividend Index
LARGE VALUE	SDY	SPDR S&P Dividend
MID-CAP VALUE	PEY	PowerShares HighYield Dividend Achievers
LARGE VALUE	VYM	Vanguard High Dividend Yield Indx ETF
LARGE VALUE	FVD	First Trust Value Line Dividend Index

Others
MISCELLANEOUS SECTOR	PFF	iShares S&P U.S. Preferred Stock Index
Equity Energy	AMJ	JPMorgan Alerian MLP Index ETN

INTERNATIONAL EQUITY
Foreign Large Value	PID	PowerShares Intl Dividend Achievers
Foreign Large Value	IDV	iShares Dow Jones Intl Select Div Idx

REAL ESTATE
REAL ESTATE	IYR	iShares Dow Jones US Real Estate
REAL ESTATE	ICF	iShares Cohen & Steers Realty Majors
Global Real Estate	RWX	SPDR DJ Wilshire Intl Real Estate
REAL ESTATE	VNQ	Vanguard REIT Index ETF

FIXED INCOME
High Yield Bond	HYG	iShares iBoxx $ High Yield Corporate Bd
Long-Term Bond	LQD	iShares iBoxx $ Invest Grade Corp Bond
Long-Term Bond	VCLT	Vanguard Long-Term Corp Bond Idx ETF
Intermediate-Term Bond	CIU	iShares Barclays Intermediate Credit Bd
Intermediate-Term Bond	CORP	PIMCO Investment Grade Corp Bd Index ETF
Short-Term Bond	CSJ	iShares Barclays 1-3 Year Credit Bond
Short-Term Bond	VCSH	Vanguard Short-Term Corp Bd Idx ETF
Intermediate Government	IEI	iShares Barclays 3-7 Year Treasury Bond
LONG GOVERNMENT	IEF	iShares Barclays 7-10 Year Treasury
SHORT GOVERNMENT	SHY	iShares Barclays 1-3 Year Treasury Bond
LONG GOVERNMENT	TLT	iShares Barclays 20+ Year Treas Bond
Inflation-Protected Bond	TIP	iShares Barclays TIPS Bond
Intermediate-Term Bond	MBB	iShares Barclays MBS Bond
Muni National Long	MUB	iShares S&P National Municipal Bond
Muni National Short	SHM	SPDR Lehman Short Term Municipal Bond
WORLD BOND	BWX	SPDR Lehman Intl Treasury Bond
Emerging Markets Bond	EMB	iShares JPMorgan USD Emerg Markets Bond
Emerging Markets Bond	PCY	PowerShares Emerging Mkts Sovereign Debt
WORLD BOND	WIP	SPDR DB Intl Govt Infl-Protected Bon

Emerging Market
DIVERSIFIED EMERGING MKTS	DEM	iShares MSCI Emerging Markets Index
DIVERSIFIED EMERGING MKTS	VWO	Vanguard Emerging Markets Stock ETF
DIVERSIFIED EMERGING MKTS	EEM	iShares MSCI Emerging Markets Index

Investment model portfolios

We provide two types of investment model portfolios for Retirement Income ETFs II 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
Retirement Income ETFs II Strategic Asset Allocation - Optimal Moderate	NA	19.88%	1.97%	4.83%	4.47%	5.94%	5.57%	5.90%
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 (%)	Retirement In... Moderate	-1.26	19.88	1.97	4.83	4.47	5.94	5.57	5.90	NA	7.70	8.03	-11.75	12.88	5.09	16.24	-6.77	8.38	10.92	-3.25	5.68	8.38	9.95	4.50	11.81	20.38	-22.71	7.23	14.89	6.56	13.40	11.73	2.58	3.00	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)	-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	Retirement In... Moderate	NA	0.18	-0.31	0.12	0.23	NA	NA	0.38	-0.04	0.17	0.43	-0.97	1.86	0.24	2.65	-0.38	1.82	1.18	-0.37	0.92	1.10	1.40	0.36	1.01	0.95	-0.97	0.41	1.64	0.68	1.85	3.30	1.03	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)	NA	0.51	0.88	0.82	0.65	NA	NA	0.45	0.43	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	0.72	0.74	0.55	0.50	NA	NA	0.51	0.97	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(%)	Retirement In... Moderate	NA	6.58	10.06	12.27	11.86	NA	NA	11.45	3.46	6.60	8.71	13.59	6.93	20.02	5.61	21.09	4.25	9.11	8.81	6.13	7.62	7.05	12.40	11.55	21.37	24.34	10.32	7.07	6.47	6.73	3.34	1.43	1.00	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	19.85	17.21	17.41	18.48	NA	NA	18.10	24.02	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	10.49	10.11	10.08	10.41	NA	NA	11.48	12.31	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(%)	Retirement In... Moderate	NA	3.98	20.26	23.69	24.52	NA	NA	40.80	0.33	3.98	8.78	20.26	3.06	23.69	2.98	18.51	1.99	5.80	10.05	4.48	8.17	4.88	9.97	8.81	21.88	35.75	6.46	5.56	4.73	8.39	1.95	1.27	0.89	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(%)	Retirement In... Moderate	NA	4.25	4.35	3.69	3.05	NA	NA	3.17	NA	1.24	3.92	5.10	3.58	2.21	2.49	2.23	0.66	3.63	2.92	3.12	2.75	3.50	3.78	3.11	3.26	3.95	2.89	3.18	4.76	3.79	2.88	1.54	2.33	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

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
Retirement Income ETFs II Tactical Asset Allocation Moderate	2.34%	8.54%	1.89%	7.11%	3.18%	3.61%	5.81%	6.93%
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 (%)	Retirement In... Moderate	0.06	8.54	1.89	7.11	3.18	3.61	5.81	6.93	2.34	8.00	7.88	-14.67	18.08	11.34	3.86	-6.49	8.68	5.43	-7.01	2.74	7.42	6.11	-2.54	12.32	14.79	1.03	14.56	16.78	10.51	16.15	23.60	7.35	6.41	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	Retirement In... Moderate	NA	0.58	0.20	0.48	0.26	NA	NA	0.59	0.20	0.53	0.44	-1.12	2.14	1.11	0.50	-0.93	1.35	0.76	-1.08	0.43	1.00	1.03	-0.22	0.88	1.04	0.01	0.79	1.28	0.92	1.54	2.94	0.71	0.57	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	0.51	0.88	0.82	0.65	NA	NA	0.45	0.43	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	0.72	0.74	0.55	0.50	NA	NA	0.51	0.97	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(%)	Retirement In... Moderate	NA	10.58	10.82	10.56	9.00	NA	NA	9.55	12.82	8.22	9.63	14.39	8.43	9.97	4.80	8.45	5.94	6.85	6.52	6.33	7.40	5.89	11.56	13.86	14.14	7.85	14.49	10.48	8.92	9.88	7.79	8.76	7.01	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	19.85	17.21	17.41	18.48	NA	NA	18.10	24.02	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	10.49	10.11	10.08	10.41	NA	NA	11.48	12.31	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(%)	Retirement In... Moderate	NA	9.72	14.42	20.40	20.40	NA	NA	20.40	9.33	5.64	9.88	20.40	4.22	12.56	2.52	13.83	2.76	6.75	11.35	6.90	8.48	3.98	12.31	9.05	7.26	7.12	10.51	12.10	5.89	14.57	4.00	11.11	7.93	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(%)	Retirement In... Moderate	NA	3.37	3.58	3.13	2.50	NA	NA	2.79	NA	0.98	2.94	3.68	4.31	1.82	2.06	1.84	0.64	2.59	1.60	3.29	2.36	2.45	2.23	3.55	4.71	2.90	2.74	3.16	2.94	2.11	4.03	2.75	2.56	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

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