MyPlanIQ Diversified Core Allocation ETF Plan
Investment Model Portfolios

This plan is designed specifically for Folio Investing one-click portfolio management based on MyPlanIQ model portfolios.

However, it can be used for any other brokerage as it is ETF base.

We take the most liquid ETFs that represent diverse asset classes to form this plan. The following are the ETFs:

SPDR S&P 500 ETF    SPY
Vanguard Total Stock Market ETF    VTI
iShares Russell 1000 Growth Index (ETF)    IWF
Vanguard Growth (ETF)    VUG
PowerShares QQQ Trust, Series 1 (ETF)    QQQQ
iShares Russell 1000 Value Index (ETF)    IWD
iShares Dow Jones Select Dividend (ETF)    DVY
Vanguard Value ETF    VTV
Vanguard Dividend Appreciation ETF    VIG
SPDR S&P Dividend (ETF)    SDY
iShares S&P MidCap 400 Index (ETF)    IJH
iShares Russell Midcap Index Fund (ETF)    IWR
Vanguard Mid-Cap ETF    VO
iShares S&P MidCap 400 Growth (ETF)    IJK
iShares Russell Midcap Growth Idx. (ETF)    IWP
iShares Russell Midcap Value Index (ETF)    IWS
iShares S&P MidCap 400 Value Index (ETF)    IJJ
iShares Russell 2000 Index (ETF)    IWM
iShares S&P SmallCap 600 Index (ETF)    IJR
Vanguard Small-Cap ETF    VB
iShares Russell 2000 Growth Index (ETF)    IWO
iShares S&P SmallCap 600 Growth (ETF)    IJT
Vanguard Small-Cap Growth ETF    VBK
iShares S&P SmallCap 600 Value Idx (ETF)    IJS
Vanguard Small-Cap Value ETF    VBR
iShares MSCI EAFE Index Fund (ETF)    EFA
Vanguard Europe Pacific ETF    VEA
iShares MSCI EAFE Growth Index (ETF)    EFG
iShares MSCI EAFE Value Index (ETF)    EFV
iShares Trust iShares MSCI EAFE Small Cap Index Fund ETF    SCZ
iShares MSCI Emerging Markets Indx (ETF)    EEM
Vanguard Emerging Markets ETF    VWO
iShares Dow Jones US Real Estate (ETF)    IYR
iShares Cohen & Steers Realty Maj. (ETF)    ICF
Vanguard REIT ETF    VNQ
SPDR DJ Wilshire Intnl Real Estate (ETF)    RWX
PowerShares DB Com Indx Trckng Fund(ETF)    DBC
iShares S&P GSCI Commodity-Indexed (ETF)    GSG
SPDR Gold Trust (ETF)    GLD
iShares Lehman 1-3 Year Treas.Bond (ETF)    SHY
iShares Lehman 7-10 Yr Treas. Bond (ETF)    IEF
iShares Lehman 3-7 Yr Treasury Bond(ETF)    IEI
iShares Barclays 20+ Yr Treas.Bond (ETF)    TLT
iShares Lehman Aggregate Bond (ETF)    AGG
Vanguard Total Bond Market ETF    BND
iShares IBoxx $ Invest Grade Corp Bd Fd    LQD
iShares Barclays 1-3 Year Cred Bd Fd ETF    CSJ
iShares Barclays Inter Crd Bd Fund ETF)    CIU
iShares iBoxx $ High Yid Corp Bond (ETF)    HYG
SPDR Barclays Capital High Yield B (ETF)    JNK
iShares Barclays TIPS Bond Fund (ETF)    TIP
SPDR DB Int'l Govt Infl Pro Bond (ETF)    WIP
iShares Lehman MBS Bond Fund (ETF)    MBB
SPDR Barclays Capital Intl Tresy Bd ETF    BWX
iShares JPMorgan USD Emer Mkt Bnd Fd ETF    EMB

Plan investment options

Total Available Funds: 44
Asset Class Ticker Description Rating Expense
REAL ESTATE
REAL ESTATE VNQ Vanguard REIT ETF,VNQ 0.12%
Global Real Estate VNQI Vanguard Global ex-US Real Estate ETF 0.12%
Emerging Market
DIVERSIFIED EMERGING MKTS DEM WisdomTree Emerging Markets Equity Inc 0.63%
DIVERSIFIED EMERGING MKTS VWO Vanguard Emerging Markets ETF,VWO 0.08%
INTERNATIONAL EQUITY
Foreign Large Blend EFA iShares MSCI EAFE Index Fund (ETF),EFA 0.33%
Foreign Large Value EFV iShares MSCI EAFE Value Index (ETF),EFV 0.34%
Foreign Large Growth EFG iShares MSCI EAFE Growth Index (ETF),EFG 0.36%
Foreign Large Blend VEA Vanguard Europe Pacific ETF,VEA 0.05%
Foreign Small/Mid Value SCZ iShares Trust iShares MSCI EAFE Small Cap Index Fund ETF,SCZ 0.4%
Others
ROOT CASH Money Market NA
COMMODITIES
COMMODITIES BROAD BASKET DBC PowerShares DB Com Indx Trckng Fund(ETF),DBC 0.85%
Commodities Precious Metals IAU iShares Gold Trust 0.25%
FIXED INCOME
LONG GOVERNMENT IEF iShares Lehman 7-10 Yr Treas. Bond (ETF),IEF 0.15%
Intermediate-Term Bond BND Vanguard Total Bond Market ETF,BND 0.15%
Short-Term Bond BSV Vanguard Short-Term Bond ETF 0.07%
Intermediate Government IEI iShares Lehman 3-7 Yr Treasury Bond(ETF),IEI 0.15%
SHORT GOVERNMENT SHY iShares Lehman 1-3 Year Treas.Bond (ETF),SHY 0.15%
Inflation-Protected Bond TIP iShares Barclays TIPS Bond Fund (ETF),TIP 0.19%
WORLD BOND BWX SPDR Barclays Capital Intl Tresy Bd ETF,BWX 0.35%
WORLD BOND WIP SPDR DB Int 0.5%
High Yield Bond HYG iShares iBoxx $ High Yid Corp Bond (ETF),HYG 0.49%
Emerging Markets Bond EMB iShares JPMorgan USD Emer Mkt Bnd Fd ETF,EMB 0.39%
Long-Term Bond LQD iShares IBoxx $ Invest Grade Corp Bd Fd,LQD 0.14%
Inflation-Protected Bond STPZ PIMCO 1-5 Year US TIPS Index ETF 0.2%
Short-Term Bond VCSH Vanguard Short-Term Corp Bd Idx ETF 0.04%
Intermediate-Term Bond VMBS Vanguard Mortgage-Backed Sec Idx ETF 0.04%
Intermediate-Term Bond BOND PIMCO Total Return ETF 0.56%
INVESTMENT GRADE IGSB iShares Short Term Corp Bond 0.04%
INVESTMENT GRADE IGIB iShares Intermediate Term Corp 0.04%
US EQUITY
LARGE VALUE DVY iShares Dow Jones Select Dividend (ETF),DVY 0.38%
LARGE VALUE VTV Vanguard Value ETF,VTV 0.05%
LARGE GROWTH VUG Vanguard Growth (ETF),VUG 0.04%
Small Growth VBK Vanguard Small-Cap Growth ETF,VBK 0.07%
SMALL VALUE VBR Vanguard Small-Cap Value ETF,VBR 0.06%
LARGE GROWTH QQQ PowerShares QQQ Trust, Series 1 (ETF),QQQQ 0.2%
Mid-Cap Growth VOT Vanguard Mid-Cap Growth ETF 0.19%
LARGE BLEND VTI Vanguard Total Stock Market ETF,VTI 0.03%
SMALL BLEND VB Vanguard Small-Cap ETF,VB 0.03%
LARGE VALUE FVD First Trust Value Line Dividend Index 0.65%
MID-CAP VALUE VOE Vanguard Mid-Cap Value ETF 0.19%
LARGE VALUE VYM Vanguard High Dividend Yield Indx ETF 0.08%
LARGE BLEND VIG Vanguard Dividend Appreciation ETF 0.08%
LARGE VALUE SPLV PowerShares S&P 500 Low Volatility 0.25%
MID-CAP BLEND VO Vanguard Mid-Cap ETF,VO 0.04%
Average Expense Ratio: 0.22%

The following is a moderate-risk model portfolio constructed from the investment options of MyPlanIQ Diversified Core Allocation ETF Plan.

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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