Pennsylvania Vanguard Investment Plan
Investment Model Portfolios
Investment Model Portfolios
The Pennsylvania Vanguard Investment Plan is provided by The Vanguard Group®. This plan provides us with two ways to invest: Age-based Portfolios, Individual portfolios. With the Individual portfolios option, the assets in Pennsylvania Vanguard Investment 529 Plan account will be reallocated only at your instruction, but changes to existing investments within the plan can be made only once per calendar year. MyPlanIQ.com provides asset allocation strategies for the second-way investors to constructs customized 529 portfolios, which is better tailored to their risk profile. The model portfolios are constructed basing on the plan custom portfolios below.
Pennsylvania portfolios Multi-Fund Balanced Portfolios
Vanguard Growth Portfolio
Vanguard Moderate Growth Portfolio
Vanguard Conservative Growth Portfolio
Vanguard Income Portfolio
Vanguard Aggressive Growth Portfolio
Single-Fund Stock Portfolios
Vanguard Total Stock Maket Index portfolio
Vanguard Social Index Portfolio
Bond and Short-Term Investment Portfolios
Vanguard Conservative Income Portfolio
Vanguard Inflation-Protected Securities Portfolio
Vanguard Money Market Portfolio
For further information, please visit the Pennsylvania official website.
Plan investment options
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The following is a moderate-risk model portfolio constructed from the investment options of Pennsylvania Vanguard Investment 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
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