American Legacy Shareholders Advantage Variable Annuity
Investment Model Portfolios

This is one of the oldest variable annuities.

Plan investment options

Total Available Funds: 16
Asset Class Ticker Description Rating Expense
Emerging Market
DIVERSIFIED EMERGING MKTS NEWFX American Funds New World Fund (Class 2) 1.03%
INTERNATIONAL EQUITY
WORLD STOCK ANWPX American Funds Global Discovery Fund (Class 2) 1.47%
WORLD STOCK CWGIX American Funds Global Growth & Income (Class 2)1 0.53%
WORLD STOCK SMCWX American Funds Global Small Capitalization 1,2 0.66%
Foreign Large Value IGAAX American Funds International Growth & Income 0.54%
Foreign Large Blend HVTBX American Funds International1 1.07%
WORLD STOCK HVLBX American Funds Global Growth1 1.12%
Others
ROOT CASH American Funds Cash Management Fund (Class 2) NA
Moderate Allocation HVABX American Funds Asset Allocation Fund (Class 2), 0.86%
FIXED INCOME
WORLD BOND CWBFX American Funds Global Bond Fund - Class 2 0.99%
High Yield Bond AHITX American Funds High-Income Fund (Class 2)1,6 0.41%
Intermediate Government AMUSX American Funds U.S. Government/AAA Rated Securities Fund (Class 2) 0.24%
Intermediate-Term Bond ABNDX American Funds Bond Fund (Class 2) 0.33%
US EQUITY
LARGE GROWTH RGAFX American Funds Growth 0.63%
LARGE BLEND IAFGX American Funds Growth-Income NA
LARGE BLEND HVCBX American Funds Blue Chip Income and Growth Fund (Class 2) 0.99%
Average Expense Ratio: 0.78%

The following is a moderate-risk model portfolio constructed from the investment options of American Legacy Shareholders Advantage Variable Annuity.

This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.

Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.

Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.

Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies


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Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 ...) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell
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