Six Core Asset ETF Benchmark
Investment Model Portfolios

This plan consists of six well chosen ETFs for major asset classes. The criteria are based on MyPlanIQ's investment choice ranking methodology. Please notice that since some of ETFs have short history, historical performance before 2007 is not very meaningful.

Plan investment options

Total Available Funds: 6
Asset Class Ticker Description Rating Expense
REAL ESTATE
REAL ESTATE VNQ Vanguard REIT Index ETF 0.12%
Emerging Market
DIVERSIFIED EMERGING MKTS VWO Vanguard Emerging Markets Stock ETF 0.08%
INTERNATIONAL EQUITY
Foreign Large Blend VEA Vanguard FTSE All-World ex-US ETF 0.05%
COMMODITIES
COMMODITIES BROAD BASKET DBC PowerShares DB Commodity Idx Trking Fund 0.85%
FIXED INCOME
Intermediate-Term Bond BND Vanguard Total Bond Market ETF 0.15%
US EQUITY
LARGE BLEND VTI Vanguard Total Stock Market ETF 0.03%
Average Expense Ratio: 0.21%

The following is a moderate-risk model portfolio constructed from the investment options of Six Core Asset ETF Benchmark.

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