Low Cost Subscription with Risk Free Trial
MyPlanIQ provides free and premium subscriptions. The subscriptions allow users to create and follow asset allocation and other investment model portfolios. Subscribers receive regular newsletters as well as timely model portfolio rebalance updates. The newsletters cover a wide range of topics including financial planning, retirement planning, 401(k), IRA and taxable investment strategies, income investments & generation, ETFs and mutual funds, and savings and spending tips.
Subscription Plan Comparison
Free Subscription
- Regular free newsletters
- Back-test and follow portfolios with a preselected collection of funds (‘static’ portfolios)
Retirement Essentials Subscription
- Find your old 401(k)s and pensions: plan filings since 1999, company mergers, acquisitions and bankruptcies, plus AI research when a trail goes cold
- Earn more than cash without big risk: fixed income and cash-enhanced ETF model portfolios (our bond ETF portfolio has beaten leading bond funds over the past 10 years, with less volatility)
- Invest with our strategic asset allocation ETF model portfolios: low-cost index funds plus strong sectors such as healthcare and technology
- Plan your retirement in MyPlanner (spending, Roth conversions, when to claim Social Security), saved to your account
- No ads. No trial needed: cancel anytime. Why Retirement Essentials?
Basic Subscription
- Include all free subscription features
- Include all Retirement Essentials features: find old 401(k)s and the financial planner
- Premium monthly newsletters
- Follow the best idea strategic asset allocation ETF model portfolios
- Follow tactical asset allocation ETF model portfolios
- Follow total return fixed income ETF and mutual fund model portfolios
- Custom and follow a model portfolio with a custom risk profile based on strategic and tactical asset allocation strategies for a 401(k) plan
Expert and Pro Subscription
- Include all basic subscription features
- Best idea advanced ETF model portfolios
- More various model portfolios based on many investment strategies
Free
for Beginners
- FREE
- Free newsletters
- Back-test portfolios (Limited)
- ✗Best idea strategic and tactical ETF model portfolios
- ✗Fixed Income Portfolio
- ✗Custom 401(k) strategic and tactical model portfolios
- ✗Best idea advanced ETF and mutual fund model portfolios
- ✗Create Private Plans
- ✗Realtime Portfolio Quota
Retirement Essentials
for Retirement Savers
- Find old 401(k)s and pensions, with AI research
- MyPlanner retirement planner, plan saved
- Fixed Income ETF Portfolio
- Cash-enhanced ETF Portfolio
- Strategic asset allocation ETF model portfolios
- No ads, cancel anytime
- ✗Tactical, advanced and custom 401(k) portfolios
- ✗Premium newsletters
Basic
for Average Investors
- FREE Trial: one month
- Premium newsletters
- Back-test portfolios
- Best idea strategic and tactical ETF model portfolios
- Fixed Income Portfolio
- Custom 401(k) strategic and tactical model portfolios
- ✗Best idea advanced ETF and mutual fund model portfolios
- ✗Various advanced model portfolios
- ✗Create Private Plans
- Realtime Portfolio Quota (5)
Expert
for Experienced Investors
- FREE Trial: two weeks
- Premium newsletters
- Back-test portfolios
- Best idea strategic and tactical ETF model portfolios
- Fixed Income Portfolio
- Custom 401(k) strategic and tactical model portfolios
- Best idea advanced ETF and mutual fund model portfolios
- Various advanced model portfolios
- Create Private Plans
- Realtime Portfolio Quota (10)
Pro
for Professional Investors
- FREE Trial: two weeks
- Premium newsletters
- Back-test portfolios
- Best idea strategic and tactical ETF model portfolios
- Fixed Income Portfolio
- Custom 401(k) strategic and tactical model portfolios
- Best idea advanced ETF and mutual fund model portfolios
- Various advanced model portfolios
- Create Private Plans
- Realtime Portfolio Quota (20)
Free trial length: one month on Basic, two weeks on Expert and Pro. Cancel anytime during the trial.
Portfolios that are not real-time have 1+ month delayed holdings. It has all historical holdings and transactions and up-to-date return data.
There is no refund in annual subscription plans. If you are unsure about your subscription, please use a monthly plan.
A private plan comprises a selection of funds (ETFs or mutual funds) chosen by subscribers and includes their trading restrictions, such as minimum holding periods.
Your credit card will be charged automatically in the next charge cycle (monthly or annually) unless you cancel your subscription.
SAA (Strategic Asset Allocation): Strategic Asset Allocation Optimal. TAA: Tactical Asset Allocation. AAC: Asset Allocation Composite.