Taxable & IRA Accounts
Brokerage Strategies
We provide ETF model portfolios suitable for any brokerage for beginners. We also provide fixed income bond fund based portfolios that have consistently outperformed even some of the best bond mutual funds.
How does our service work?
- Investors open an account or use an existing account in a brokerage such as Schwab, Fidelity or Etrade.
- Investors choose a model portfolio to follow. Use our easy-to-use Get Started Guide to follow or customize a portfolio with a personal risk profile.
- Receive regular emails on how to rebalance the portfolio. Make trades in your own brokerage investment account.
Note: all of our portfolios invest in only ETFs or no-load no transaction fee mutual funds.
ETF Model Portfolios
Strategic Asset Allocation: MyPlanIQ ETF Strategic Stock Allocation Moderate
- Invest in a diversified portfolio of multiple assets, buy-and-hold without frequently changing weights.
- Pros: Less error-prone, infrequent rebalancing, tax efficient.
- Cons: Interim loss or drawdown can be substantial.
Tactical Asset Allocation: MyPlanIQ ETF Tactical Stock Allocation Moderate
- Invest in a diversified portfolio, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Pros: Reduce large interim loss, likely to improve returns.
- Cons: Demand more frequent rebalancing, less tax efficient.
Latest ETF Model Portfolios Performance
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| MyPlanIQ ETF Strategic Stock Allocation Moderate | 0.02% | 11.50% | 10.07% | 7.03% | 8.67% | NA | NA | … | … |
| MyPlanIQ ETF Tactical Stock Allocation Moderate | 1.61% | 13.58% | 11.21% | 7.56% | 8.42% | 8.62% | 10.38% | … | … |
| VBINX (VANGUARD BALANCED INDEX FUND INVESTOR SHARES) | -2.44% | 12.81% | 12.12% | 6.60% | 8.89% | 8.64% | 7.64% | … | … |
| DGSIX (DFA Global Allocation 60/40 Portfolio Institutional Class) | -0.36% | 14.21% | 11.62% | 7.96% | 9.17% | 7.81% | 7.10% | … | … |
| Ticker/Portfolio | Last 1 Week | 1 Yr | 3 Yr | 5 Yr | 10 Yr | 15 Yr | 20 Yr | Common | Inception | YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Annualized Return (%) | MyPlanIQ ETF … Moderate | 0.54 | 11.50 | 10.07 | 7.03 | 8.67 | NA | NA | … | … | 0.02 | 12.24 | 8.24 | 12.43 | -7.96 | 17.73 | 7.80 | 21.37 | -1.29 | 12.96 | 6.74 | 3.69 | 11.86 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| MyPlanIQ ETF … Moderate | 1.14 | 13.58 | 11.21 | 7.56 | 8.42 | 8.62 | 10.38 | … | … | 1.61 | 9.47 | 9.36 | 15.65 | -11.25 | 19.59 | 10.03 | 19.33 | -1.62 | 12.46 | 6.64 | 2.39 | 8.94 | 13.94 | 13.84 | 8.03 | 19.61 | 13.38 | 12.94 | 16.07 | 21.27 | 7.99 | 6.90 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| VBINX (VANGUA…R SHARES) | -0.03 | 12.81 | 12.12 | 6.60 | 8.89 | 8.64 | 7.64 | … | … | -2.44 | 13.47 | 14.45 | 17.41 | -16.98 | 14.08 | 16.26 | 21.67 | -2.97 | 13.75 | 8.64 | 0.36 | 9.81 | 17.96 | 11.33 | 4.14 | 13.13 | 20.09 | -22.21 | 6.17 | 11.03 | 4.65 | 10.58 | 19.86 | -9.55 | -3.03 | -0.32 | 15.30 | 19.18 | 21.05 | 12.97 | 28.14 | -1.55 | 11.55 | 3.69 | |
| DGSIX (DFA Gl…al Class) | -0.14 | 14.21 | 11.62 | 7.96 | 9.17 | 7.81 | 7.10 | … | … | -0.36 | 14.07 | 11.31 | 14.59 | -9.57 | 17.45 | 14.12 | 18.97 | -6.04 | 14.38 | 9.32 | -1.73 | 3.71 | 15.97 | 13.05 | -2.17 | 13.75 | 25.54 | -25.44 | 5.92 | 14.22 | 9.86 | 12.30 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Sharpe Ratio | MyPlanIQ ETF … Moderate | NA | 1.94 | 1.10 | 0.54 | 0.75 | NA | NA | … | … | 0.71 | 1.02 | 0.67 | 1.18 | -0.77 | 2.50 | 0.37 | 2.98 | -0.30 | 3.07 | 0.79 | 0.40 | 2.01 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| MyPlanIQ ETF … Moderate | NA | 1.35 | 0.95 | 0.50 | 0.67 | NA | NA | … | … | 0.55 | 0.65 | 0.65 | 1.47 | -1.06 | 2.14 | 0.48 | 2.70 | -0.32 | 2.26 | 0.76 | 0.24 | 1.08 | 1.94 | 2.03 | 0.59 | 1.45 | 1.03 | 1.73 | 0.90 | 1.72 | 0.69 | 0.86 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| VBINX (VANGUA…R SHARES) | NA | 1.76 | 1.13 | 0.43 | 0.70 | NA | NA | … | … | 1.05 | 0.93 | 1.28 | 1.54 | -1.15 | 1.70 | 0.77 | 2.84 | -0.45 | 3.29 | 1.08 | 0.04 | 1.47 | 2.61 | 1.55 | 0.30 | 1.23 | 1.21 | -0.98 | 0.33 | 1.15 | 0.37 | 1.37 | 2.04 | -0.77 | -0.45 | -0.32 | 1.07 | 1.36 | 1.73 | 1.18 | 4.51 | -0.68 | 1.56 | 5.70 | |
| DGSIX (DFA Gl…al Class) | NA | 1.86 | 1.23 | 0.59 | 0.79 | NA | NA | … | … | 1.38 | 1.15 | 1.05 | 1.42 | -0.79 | 1.92 | 0.77 | 2.44 | -0.85 | 3.21 | 1.04 | -0.21 | 0.57 | 2.14 | 1.48 | -0.14 | 1.11 | 1.33 | -1.11 | 0.28 | 1.54 | 1.21 | 2.83 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Standard Deviation(%) | MyPlanIQ ETF … Moderate | NA | 7.61 | 7.98 | 8.89 | 10.06 | NA | NA | … | … | 8.96 | 9.17 | 6.89 | 7.43 | 12.14 | 7.09 | 20.54 | 6.67 | 8.89 | 4.01 | 8.26 | 9.19 | 5.91 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| MyPlanIQ ETF … Moderate | NA | 10.72 | 9.99 | 10.07 | 10.79 | NA | NA | … | … | 13.56 | 10.06 | 8.85 | 8.18 | 11.92 | 9.13 | 20.40 | 6.62 | 9.24 | 5.21 | 8.48 | 9.92 | 8.26 | 7.16 | 6.79 | 13.59 | 13.49 | 12.91 | 6.93 | 14.32 | 10.38 | 8.34 | 6.92 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| VBINX (VANGUA…R SHARES) | NA | 8.15 | 9.73 | 11.07 | 11.24 | NA | NA | … | … | 9.50 | 11.48 | 8.47 | 9.03 | 16.05 | 8.26 | 20.61 | 7.10 | 9.80 | 4.00 | 7.81 | 8.67 | 6.66 | 6.86 | 7.35 | 13.57 | 10.59 | 16.52 | 23.49 | 9.17 | 6.65 | 6.52 | 6.99 | 9.38 | 13.87 | 12.48 | 14.34 | 11.17 | 11.57 | 9.98 | 7.81 | 5.35 | 6.83 | 6.00 | 4.65 | |
| DGSIX (DFA Gl…al Class) | NA | 7.67 | 8.47 | 9.89 | 10.14 | NA | NA | … | … | 9.17 | 9.79 | 7.32 | 7.78 | 14.01 | 9.10 | 17.85 | 7.18 | 8.81 | 4.30 | 8.76 | 8.58 | 6.51 | 7.43 | 8.88 | 15.95 | 12.35 | 19.08 | 23.72 | 9.80 | 7.04 | 6.29 | 6.49 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Draw Down(%) | MyPlanIQ ETF … Moderate | NA | 6.10 | 8.88 | 13.13 | 24.91 | NA | NA | … | … | 6.10 | 8.88 | 3.98 | 5.90 | 13.13 | 3.30 | 24.91 | 2.87 | 10.31 | 1.43 | 6.80 | 7.67 | 3.80 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| MyPlanIQ ETF … Moderate | NA | 8.00 | 12.22 | 17.20 | 23.83 | NA | NA | … | … | 8.00 | 11.65 | 5.21 | 6.15 | 17.20 | 4.23 | 23.83 | 3.22 | 8.51 | 1.88 | 6.24 | 9.28 | 6.67 | 6.38 | 4.63 | 10.76 | 8.45 | 8.64 | 5.25 | 8.45 | 8.67 | 6.25 | 5.73 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| VBINX (VANGUA…R SHARES) | NA | 5.84 | 11.75 | 21.61 | 22.78 | NA | NA | … | … | 5.84 | 11.60 | 4.70 | 8.27 | 21.37 | 3.67 | 22.78 | 3.26 | 11.95 | 1.35 | 5.99 | 7.27 | 4.07 | 4.70 | 5.28 | 10.87 | 8.83 | 17.50 | 31.87 | 5.50 | 4.77 | 4.03 | 4.98 | 7.07 | 18.14 | 15.94 | 9.94 | 7.19 | 12.20 | 6.83 | 5.51 | 1.82 | 7.21 | 2.78 | 0.87 | |
| DGSIX (DFA Gl…al Class) | NA | 6.11 | 9.98 | 18.36 | 23.59 | NA | NA | … | … | 6.11 | 9.98 | 4.51 | 6.65 | 18.36 | 3.52 | 23.59 | 4.00 | 12.34 | 1.43 | 6.53 | 9.04 | 5.85 | 5.68 | 7.94 | 15.68 | 9.77 | 19.39 | 35.82 | 6.71 | 6.91 | 4.28 | 3.88 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Yield(%) | MyPlanIQ ETF … Moderate | NA | 3.17 | 4.10 | 3.57 | 3.26 | NA | NA | … | … | NA | NA | 1.61 | 3.05 | 5.67 | 2.99 | 2.23 | 3.58 | 3.28 | 2.73 | 2.94 | 2.89 | 4.80 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| MyPlanIQ ETF … Moderate | NA | 2.14 | 3.71 | 3.15 | 2.95 | NA | NA | … | … | NA | NA | 1.00 | 2.23 | 5.64 | 3.09 | 1.74 | 3.12 | 2.21 | 3.04 | 3.05 | 2.26 | 3.26 | 1.63 | 3.21 | 2.71 | 3.19 | 3.19 | 3.10 | 3.05 | 3.49 | 3.15 | 2.33 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| VBINX (VANGUA…R SHARES) | 0.00 | 5.73 | 6.06 | 4.39 | 4.82 | 5.22 | 5.06 | … | … | 1.29 | 6.30 | 5.64 | 4.78 | 2.19 | 3.44 | 2.86 | 2.60 | 2.08 | 2.04 | 2.11 | 1.92 | 1.94 | 1.94 | 2.17 | 2.22 | 2.45 | 3.05 | 2.75 | 3.09 | 3.00 | 2.74 | 3.90 | 2.83 | 2.91 | 3.32 | 5.40 | 5.41 | 5.40 | 3.81 | 3.84 | 4.35 | 3.68 | 5.53 | 0.80 | |
| DGSIX (DFA Gl…al Class) | 0.00 | 8.40 | 7.49 | 6.79 | 6.87 | 6.19 | 5.95 | … | … | 0.00 | 8.99 | 7.56 | 5.73 | 6.23 | 8.90 | 6.00 | 3.76 | 3.08 | 2.67 | 2.36 | 1.85 | 2.02 | 1.83 | 2.32 | 2.36 | 2.08 | 1.96 | 2.05 | 4.26 | 2.59 | 7.16 | 1.39 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Performance Comparison Chart
Data as of 03/31/2026, Common starting date is 02/14/2014
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