Master Plan
Investment Model Portfolios
Investment options of Master Plan
Total Available Funds: 51
| Asset Class |
Ticker
| Description |
| REAL ESTATE |
|
|
| Global Real Estate |
RWX |
SPDR Dow Jones Intl Real Estate |
| Global Real Estate |
RWO |
SPDR Dow Jones Global Real Estate |
| REAL ESTATE |
VNQ |
Vanguard REIT ETF |
|
| Emerging Market |
|
|
| DIVERSIFIED EMERGING MKTS |
VWO |
Vanguard Emerging Markets Stock ETF |
| DIVERSIFIED EMERGING MKTS |
DEM |
WisdomTree Emerging Markets Equity Inc |
|
| 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 |
| Foreign Large Value |
PID |
PowerShares Intl Dividend Achievers |
|
| COMMODITIES |
|
|
| Commodities Precious Metals |
GLD |
SPDR Gold Shares |
| COMMODITIES BROAD BASKET |
DBC |
PowerShares DB Commodity Index Tracking |
| COMMODITIES BROAD BASKET |
usci |
United States Commodity Index |
|
| FIXED INCOME |
|
|
| Muni National Long |
NQU |
Nuveen Quality Income Muni |
| Emerging Markets Bond |
EMB |
iShares JPMorgan USD Emerg Markets Bond |
| High Yield Bond |
HYG |
iShares iBoxx $ High Yield Corporate Bd |
| Inflation-Protected Bond |
TIP |
iShares Barclays TIPS Bond |
| Intermediate Government |
IEI |
iShares Barclays 3-7 Year Treasury Bond |
| Intermediate-Term Bond |
CIU |
iShares Barclays Intermediate Credit Bd |
| Intermediate-Term Bond |
MBB |
iShares Barclays MBS Bond |
| Intermediate-Term Bond |
BND |
Vanguard Total Bond Market ETF |
| LONG GOVERNMENT |
IEF |
iShares Barclays 7-10 Year Treasury |
| Long-Term Bond |
LQD |
iShares iBoxx $ Invest Grade Corp Bond |
| SHORT GOVERNMENT |
SHY |
iShares Barclays 1-3 Year Treasury Bond |
| Short-Term Bond |
CSJ |
iShares Barclays 1-3 Year Credit Bond |
| WORLD BOND |
BWX |
SPDR Barclays Capital Intl Treasury Bond |
| WORLD BOND |
WIP |
SPDR DB Intl Govt Infl-Protected Bond |
| Short-Term Bond |
BSJD |
Guggheim BulletShares 2013 |
| Muni National Long |
NIF |
Nuveen Premier Insured Muni |
| Short-Term Bond |
BSV |
Vanguard Short-Term Bond ETF |
| Intermediate-Term Bond |
AGG |
iShares Barclays Aggregate Bond |
|
| US EQUITY |
|
|
| LARGE BLEND |
VTI |
Vanguard Total Stock Market ETF |
| LARGE GROWTH |
QQQ |
PowerShares QQQ |
| LARGE GROWTH |
VUG |
Vanguard Growth ETF |
| 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 |
| LARGE VALUE |
SPLV |
PowerShares S&P 500 Low Volatil |
| LARGE BLEND |
VIG |
Vanguard Dividend Appreciation ETF |
| LARGE VALUE |
hdv |
iShares High Dividend Equity |
|
| Others |
|
|
| ROOT |
CASH |
CASH |
| Currency |
FXF |
CurrencyShares Swiss Franc Trust |
| Natural Resources |
IGE |
iShares S&P North Amer Natural Resources |
| Equity Energy |
AMJ |
JPMorgan Alerian MLP Index ETN |
| Moderate Allocation |
PCEF |
PowerShares CEF Income Composite |
|
Investment model portfolios
We provide two types of investment model portfolios for Master 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.
