See below for our current asset allocation for employer-sponsored retirement accounts (401k, 403b, SEP, IRA, etc.) using mutual funds and/or exchange-traded funds (ETFs). For more about the TSOA Freedom Portfolio investment strategy, click here.
Use our patent-pending My Optimal Asset Allocation Analyzer (MOAAA©) to determine your ideal asset allocation portfolio model (Aggressive Growth, Growth with Value, Growth with Income, Retirement Income Cash Flow, or Conservative Income Cash Flow).
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|Asset Class||Aggressive Growth 5||Growth with Value5||Growth with Income5||Retirement Income Cash Flow5||Conservative Income Cash Flow5|
|Equities (Mutual Funds, ETFs)|
|US Large Cap1||25%||30%||35%||30%||25%|
|US Mid Cap Value1||15%||10%||10%||10%||5%|
|US Small Cap Value1||30%||20%||10%||5%||5%|
|International Large Cap2||15%||10%||10%||10%||5%|
|International Small Cap2||15%||10%||—||—||—|
|Bonds (Mutual Funds, ETFs)|
|Alternatives (Mutual Funds, ETFs)|
|Master Limited Partnerships (MLPs)4||—||10%||5%||10%||10%|
Use our patent pending My Optimal Asset Allocation Analyzer (MOAAA©) to learn about your ideal asset allocation.
- If your company’s retirement plan does not have funds that reflect this choice, use a multi-cap or S&P 500 index stock mutual fund as a substitute.
- If your retirement plan does not offer these investment choices, use a general international fund as a substitute.
- If your retirement plan does not offer these investment choices, use a general multi-term bond fund as a substitute.
- If your company’s retirement plan does not offer these investment choices, use large cap (as a real estate substitute), mid cap stocks (as an MLP substitute), and intermediate term bond fund as a utilities substitute.
- Changes to these asset allocations will show up in red color. Please return often to check for any changes.