📋 Model Portfolio Allocations

Detailed Asset Allocation Breakdown Across Risk Profiles

Conservative Income
Cash 20.0%
1 to 3 month BIL 20.0%
Fixed Income 80.0%
UST 1 to 3 Years SHY 4.0%
Investment Grade 1 to 5 Years IGSB 5.3%
Investment Grade 5 to 10 Years IGIB 9.3%
Investment Grade Bonds LQD 26.7%
High Yield 0 to 5 Years SHYG 8.0%
High Yield Bonds HYG 10.7%
Emerging Market Bonds EMB 8.0%
Corporate Emerging Markets CEMB 8.0%
Equity 0.0%
US Equity Core SPY 0.0%
Nasdaq QQQ 0.0%
US MidCap Growth IJK 0.0%
US SmallCap IWM 0.0%
European Equity VGK 0.0%
UK Equity EWU 0.0%
Japanese Equity EWJ 0.0%
Emerging Market Equity EEM 0.0%
Asia ex Japan Equity AAXJ 0.0%
China MCHI 0.0%
India INDA 0.0%
Alternative Investments 0.0%
Gold GLD 0.0%
Equity Long/Short FTLS 0.0%
Multi-Strategy QAI 0.0%
CTA WTMF 0.0%
Total 100.0%
Annualized Return: 3.71%
Annual Volatility: 4.99%
Sharpe Ratio: 0.34
Max Drawdown: -15.61%
Conservative Balanced
Cash 5.0%
1 to 3 month BIL 5.0%
Fixed Income 62.5%
UST 1 to 3 Years SHY 3.1%
Investment Grade 1 to 5 Years IGSB 4.2%
Investment Grade 5 to 10 Years IGIB 7.3%
Investment Grade Bonds LQD 20.8%
High Yield 0 to 5 Years SHYG 6.2%
High Yield Bonds HYG 8.3%
Emerging Market Bonds EMB 6.2%
Corporate Emerging Markets CEMB 6.2%
Equity 20.7%
US Equity Core SPY 7.2%
Nasdaq QQQ 3.6%
US MidCap Growth IJK 2.7%
US SmallCap IWM 0.0%
European Equity VGK 2.7%
UK Equity EWU 0.9%
Japanese Equity EWJ 1.8%
Emerging Market Equity EEM 1.8%
Asia ex Japan Equity AAXJ 0.0%
China MCHI 0.0%
India INDA 0.0%
Alternative Investments 10.0%
Gold GLD 2.5%
Equity Long/Short FTLS 2.5%
Multi-Strategy QAI 2.5%
CTA WTMF 2.5%
Total 100.0%
Annualized Return: 6.78%
Annual Volatility: 7.36%
Sharpe Ratio: 0.65
Max Drawdown: -18.90%
Balanced Portfolio
Cash 5.0%
1 to 3 month BIL 5.0%
Fixed Income 40.0%
UST 1 to 3 Years SHY 2.0%
Investment Grade 1 to 5 Years IGSB 2.7%
Investment Grade 5 to 10 Years IGIB 4.7%
Investment Grade Bonds LQD 13.3%
High Yield 0 to 5 Years SHYG 4.0%
High Yield Bonds HYG 5.3%
Emerging Market Bonds EMB 4.0%
Corporate Emerging Markets CEMB 4.0%
Equity 36.8%
US Equity Core SPY 12.8%
Nasdaq QQQ 6.4%
US MidCap Growth IJK 4.8%
US SmallCap IWM 0.0%
European Equity VGK 4.8%
UK Equity EWU 1.6%
Japanese Equity EWJ 3.2%
Emerging Market Equity EEM 3.2%
Asia ex Japan Equity AAXJ 0.0%
China MCHI 0.0%
India INDA 0.0%
Alternative Investments 15.0%
Gold GLD 3.8%
Equity Long/Short FTLS 3.8%
Multi-Strategy QAI 3.8%
CTA WTMF 3.8%
Total 100.0%
Annualized Return: 8.81%
Annual Volatility: 9.32%
Sharpe Ratio: 0.73
Max Drawdown: -21.29%
Growth Portfolio
Cash 0.0%
1 to 3 month BIL 0.0%
Fixed Income 20.0%
UST 1 to 3 Years SHY 1.0%
Investment Grade 1 to 5 Years IGSB 1.3%
Investment Grade 5 to 10 Years IGIB 2.3%
Investment Grade Bonds LQD 6.7%
High Yield 0 to 5 Years SHYG 2.0%
High Yield Bonds HYG 2.7%
Emerging Market Bonds EMB 2.0%
Corporate Emerging Markets CEMB 2.0%
Equity 59.8%
US Equity Core SPY 20.8%
Nasdaq QQQ 10.4%
US MidCap Growth IJK 7.8%
US SmallCap IWM 0.0%
European Equity VGK 7.8%
UK Equity EWU 2.6%
Japanese Equity EWJ 5.2%
Emerging Market Equity EEM 5.2%
Asia ex Japan Equity AAXJ 0.0%
China MCHI 0.0%
India INDA 0.0%
Alternative Investments 15.0%
Gold GLD 3.8%
Equity Long/Short FTLS 3.8%
Multi-Strategy QAI 3.8%
CTA WTMF 3.8%
Total 100.0%
Annualized Return: 11.47%
Annual Volatility: 12.76%
Sharpe Ratio: 0.74
Max Drawdown: -26.51%
Aggressive Growth Portfolio
Cash 0.0%
1 to 3 month BIL 0.0%
Fixed Income 10.0%
UST 1 to 3 Years SHY 0.5%
Investment Grade 1 to 5 Years IGSB 0.7%
Investment Grade 5 to 10 Years IGIB 1.2%
Investment Grade Bonds LQD 3.3%
High Yield 0 to 5 Years SHYG 1.0%
High Yield Bonds HYG 1.3%
Emerging Market Bonds EMB 1.0%
Corporate Emerging Markets CEMB 1.0%
Equity 78.2%
US Equity Core SPY 27.2%
Nasdaq QQQ 13.6%
US MidCap Growth IJK 10.2%
US SmallCap IWM 0.0%
European Equity VGK 10.2%
UK Equity EWU 3.4%
Japanese Equity EWJ 6.8%
Emerging Market Equity EEM 6.8%
Asia ex Japan Equity AAXJ 0.0%
China MCHI 0.0%
India INDA 0.0%
Alternative Investments 5.0%
Gold GLD 1.2%
Equity Long/Short FTLS 1.2%
Multi-Strategy QAI 1.2%
CTA WTMF 1.2%
Total 100.0%
Annualized Return: 13.11%
Annual Volatility: 15.44%
Sharpe Ratio: 0.72
Max Drawdown: -30.70%