Choosing investments

TSOA Freedom Portfolio Asset Allocation for Retirement Accounts (updated June 15, 2016)

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)
Long-term Bonds3 5% 5%
Intermediate-term Bonds3 10% 10% 10%
Short-term Bonds3 15%
Alternatives (Mutual Funds, ETFs)
Real Estate4 5% 10% 10%
Master Limited Partnerships (MLPs)4 10% 5% 10% 10%
Utilities4 10% 10% 15% 10%
Money Market 0%


Use our patent pending My Optimal Asset Allocation Analyzer (MOAAA©) to learn about your ideal asset allocation.


    1. 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.
    2. If your retirement plan does not offer these investment choices, use a general international fund as a substitute.
    3. If your retirement plan does not offer these investment choices, use a general multi-term bond fund as a substitute.
    4. 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.
    5. Changes to these asset allocations will show up in red color. Please return often to check for any changes.

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