Vanguard ETFs
Investment Model Portfolios

 

Based on an article published by Bank Investment Consultant by Matt Ackermann, Vanguard, one of the largest index fund and ETF providers, will offer commission-free trading to its brokerage clients that use its lineups of 46 proprietary ETFs. This represents a comparable move as Fidelity and Schwab. 

In addition to Fidelity and Schwab plans, MyPlanIQ now has a Vanguard major ETF plan. Notice since most Vanguard ETFs have short history, the performance data of the model portfolios are meaningful since 2003 (before that, most ETFs did not exist).

The following is the list of the ETFs supported in this plan (for up to date info, please see the Vanguard ETF page.

Consumer Discretionary VCR Stock - Sector 21.61% 55.94% 3.59% 2.71% 01/26/2004
Consumer Staples VDC Stock - Sector 5.66% 30.32% 6.76% 6.87% 01/26/2004
Dividend Appreciation VIG Stock - Large-Cap Blend 7.99% 34.67% 1.88% 04/21/2006
Emerging Markets VWO International 3.10% 55.90% 15.64% 12.96% 03/04/2005
Energy VDE Stock - Sector 6.40% 35.05% 10.06% 12.18% 09/23/2004
Europe Pacific VEA International –0.82% 34.51% –10.68% 07/20/2007
European VGK International –4.15% 34.33% 3.42% 2.16% 03/04/2005
Extended Duration Treasury EDV Bond - Long-term Treasury 3.78% –7.29% 1.17% 12/06/2007
Extended Market VXF Stock - Mid-Cap Blend 16.43% 51.39% 6.46% 7.20% 12/27/2001
Financials VFH Stock - Sector 16.43% 50.47% –5.64% –4.30% 01/26/2004
FTSE All-World ex-US VEU International 0.69% 40.55% –2.43% 03/02/2007
FTSE All-World ex-US Small-Cap VSS International 6.38% 55.17% 61.56% 04/02/2009
Growth VUG Stock - Large-Cap Growth 7.80% 38.97% 4.29% 2.85% 01/26/2004
Health Care VHT Stock - Sector 2.55% 33.76% 2.94% 2.66% 01/26/2004
High Dividend Yield VYM Stock - Large-Cap Value 7.89% 37.46% –3.19% 11/10/2006
Industrials VIS Stock - Sector 18.80% 50.93% 4.44% 5.24% 09/23/2004
Information Technology VGT Stock - Sector 6.05% 44.78% 7.15% 2.50% 01/26/2004
Intermediate-Term Bond BIV Bond - Inter-term Treasury 3.23% 11.57% 7.13% 04/03/2007
Intermediate-Term Corporate Bond VCIT Bond - Inter-term Investment 4.07% 4.48% 11/19/2009
Intermediate-Term Government Bond VGIT Bond - Inter-term Treasury 2.09% 0.67% 11/19/2009
Large-Cap VV Stock - Large-Cap Blend 8.73% 39.52% 3.27% 3.23% 01/27/2004
Long-Term Bond BLV Bond - Long-term Treasury 4.16% 15.05% 6.84% 04/03/2007
Long-Term Corporate Bond VCLT Bond - Long-term Investment 4.30% 4.33% 11/19/2009
Long-Term Government Bond VGLT Bond - Long-term Treasury 3.22% –0.21% 11/19/2009
Materials VAW Stock - Sector 5.99% 42.18% 7.42% 8.00% 01/26/2004
Mega Cap 300 MGC Stock - Large-Cap Blend 7.58% 37.17% –5.92% 12/17/2007
Mega Cap 300 Growth MGK Stock - Large-Cap Growth 6.74% 37.22% –3.29% 12/17/2007
Mega Cap 300 Value MGV Stock - Large-Cap Value 8.39% 37.45% –8.55% 12/17/2007
Mid-Cap VO Stock - Mid-Cap Blend 14.37% 51.25% 5.68% 6.22% 01/26/2004
Mid-Cap Growth VOT Stock - Mid-Cap Growth 12.92% 46.60% 1.68% 08/17/2006
Mid-Cap Value VOE Stock - Mid-Cap Value 15.80% 55.78% 1.78% 08/17/2006
Mortgage-Backed Securities VMBS Bond - Inter-term Treasury 1.72% 1.34% 11/19/2009
Pacific VPL International 6.01% 35.31% 4.67% 3.37% 03/04/2005
REIT VNQ Stock - Sector 21.94% 71.42% 4.46% 6.56% 09/23/2004
Short-Term Bond BSV Bond - Short-term Treasury 1.38% 5.04% 5.63% 04/03/2007
Short-Term Corporate Bond VCSH Bond - Short-term Investment 2.34% 2.58% 11/19/2009
Short-Term Government Bond VGSH Bond - Short-term Treasury 0.80% 0.40% 11/19/2009
Small-Cap VB Stock - Small-Cap Blend 18.18% 54.19% 6.77% 5.83% 01/26/2004
Small-Cap Growth VBK Stock - Small-Cap Growth 16.97% 52.45% 7.59% 5.41% 01/26/2004
Small-Cap Value VBR Stock - Small-Cap Value 19.40% 55.82% 5.68% 5.98% 01/26/2004
Telecommunication Services VOX Stock - Sector 1.29% 23.71% 4.66% 4.84% 09/23/2004
Total Bond Market BND Bond - Inter-term Treasury 2.34% 8.20% 6.35% 04/03/2007
Total Stock Market VTI Stock - Large-Cap Blend 9.85% 41.32% 3.63% 2.08% 05/24/2001
Total World Stock VT International 3.84% 39.52% –5.01% 06/24/2008
Utilities VPU Stock - Sector 1.57% 24.74% 4.24% 7.66% 01/26/2004
Value VTV Stock - Large-Cap Value 9.63% 40.34% 2.10% 3.14%

01/26/2004

Plan investment options

Total Available Funds: 53
Asset Class Ticker Description Rating Expense
REAL ESTATE
REAL ESTATE VNQ VNQ (Vanguard REIT Index ETF) 0.12%
Global Real Estate VNQI Vanguard Global ex-US Real Estate ETF 0.12%
Emerging Market
DIVERSIFIED EMERGING MKTS VWO VWO (Vanguard Emerging Markets Stock ETF) 0.08%
INTERNATIONAL EQUITY
Foreign Large Blend VEA VEA (Vanguard Europe Pacific ETF) 0.05%
Foreign Large Blend VEU VEU (Vanguard FTSE All-World ex-US ETF) 0.08%
EUROPE STOCK VGK VGK (Vanguard European ETF) 0.09%
WORLD STOCK VT VT (Vanguard Total World Stock Index ETF) 0.07%
DIVERSIFIED PACIFIC/ASIA VPL VPL (Vanguard Pacific Stock ETF) 0.08%
Foreign Large Blend VXUS Vanguard Total Intl Stock Idx ETF 0.07%
FOREIGN SMALL/MID GROWTH VSS VSS (Vanguard FTSE All-Wld ex-US SmCp Idx ETF) NA
Others
Natural Resources VAW VAW (Vanguard Materials ETF) 0.1%
Consumer Discretionary VCR VCR(Vanguard Consumer Discretionary ETF) 0.1%
Consumer Staples VDC VDC (Vanguard Consumer Staples ETF) 0.1%
Equity Energy VDE VDE (Vanguard Energy ETF) 0.1%
Financial VFH VFH (Vanguard Financials ETF) 0.1%
Technology VGT VGT (Vanguard Information Technology ETF) 0.1%
Health VHT VHT (Vanguard Health Care ETF) 0.1%
Communications VOX VOX (Vanguard Telecom Services ETF) 0.1%
Utilities VPU VPU (Vanguard Utilities ETF) 0.1%
Industrials VIS VIS (Vanguard Industrials ETF) 0.1%
ROOT CASH CASH (Money Market) NA
FIXED INCOME
Intermediate-Term Bond BIV BIV (Vanguard Intermediate-Term Bond ETF) 0.07%
Intermediate-Term Bond BND BND (Vanguard Total Bond Market ETF) 0.15%
Short-Term Bond BSV BSV (Vanguard Short-Term Bond ETF) 0.07%
Long-Term Bond BLV BLV (Vanguard Long-Term Bond Index ETF) 0.04%
LONG GOVERNMENT EDV EDV (Vanguard Extended Dur Trs Idx ETF) 0.06%
Short-Term Bond VCSH Vanguard Short-Term Corp Bd Idx ETF 0.04%
Intermediate Government VGIT Vanguard Interm-Tm Govt Bd Idx ETF 0.04%
Inflation-Protected Bond VTIP Vanguard Shrt-Term Infl-Prot Sec Idx ETF 0.04%
WORLD BOND BNDX Vanguard Total Intl Bd Idx ETF 0.07%
Emerging Markets Bond VWOB Vanguard Emerg Mkts Govt Bd Idx ETF 0.2%
SHORT GOVERNMENT VGSH VGSH (Vanguard Short-Term Govt Bd Idx ETF) NA
Intermediate-Term Bond VMBS VMBS (Vanguard Mortgage-Backed Sec Idx ETF) NA
LONG GOVERNMENT VGLT VGLT (Vanguard Long-Term Govt Bd Idx ETF) NA
Long-Term Bond VCLT VCLT (Vanguard Long-Term Corp Bond Idx ETF) NA
Intermediate-Term Bond VCIT VCIT (Vanguard Interm-Tm Corp Bd Idx ETF) NA
US EQUITY
LARGE VALUE VTV VTV (Vanguard Value ETF) 0.05%
LARGE GROWTH VUG VUG (Vanguard Growth ETF) 0.04%
Small Growth VBK VBK (Vanguard Small Cap Growth ETF) 0.07%
SMALL VALUE VBR VBR (Vanguard Small Cap Value ETF) 0.06%
Mid-Cap Growth VOT VOT (Vanguard Mid-Cap Growth ETF) 0.19%
LARGE BLEND VTI VTI (Vanguard Total Stock Market ETF) 0.03%
LARGE GROWTH MGK MGK (Vanguard Mega Cap 300 Gr Index ETF) 0.06%
SMALL BLEND VB VB (Vanguard Small Cap ETF) 0.03%
LARGE VALUE MGV MGV (Vanguard Mega Cap 300 Value Index ETF) 0.06%
MID-CAP VALUE VOE VOE (Vanguard Mid-Cap Value ETF) 0.19%
LARGE VALUE VYM VYM (Vanguard High Dividend Yield Indx ETF) 0.08%
LARGE BLEND MGC MGC (Vanguard Mega Cap 300 Index ETF) 0.06%
MID-CAP BLEND VXF Vanguard Extended Market Index ETF 0.06%
LARGE BLEND VIG VIG (Vanguard Dividend Appreciation ETF) 0.08%
LARGE BLEND VV Vanguard Large Cap ETF 0.04%
LARGE BLEND VOO Vanguard S&P 500 ETF 0.03%
MID-CAP BLEND VO VO (Vanguard Mid Cap ETF) 0.04%
Average Expense Ratio: 0.08%

The following is a moderate-risk model portfolio constructed from the investment options of Vanguard ETFs.

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