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We offer two series of Model Portfolio strategies through two newsletters:
Overview of the Investment Newsletters ...
(May be Ideal for 401k and 403b Plans, IRAs and Growth Investors)
Growth Portfolio: A basic, generic strategy for the growth-oriented investor. Designed for the investment fund options typically found in 401k plans but also useful for standard taxable accounts. This Model Portfolio may be excellent for beginning and smaller investors. The investment fund options include index funds such as for Large Cap stocks and Small Cap stocks ... plus a large cap International Fund and a Bond Fund. Alternatively, exchange traded funds can be used to follow this strategy.
Conservative Portfolio: A more conservative version of the Growth Portfolio. It is a generic strategy designed for the investor wanting to minimize risk but still capture a significant amount of the stock market’s growth. The investment funds used for this Model Portfolio are the same as for the Growth Portfolio above.
(Sophisticated, Higher-Yielding Strategies)
Performance Xtender: A generic Model Portfolio designed to extend the capabilities of the Growth Portfolio strategy with additional investment options ... while maintaining a moderate risk profile. The added investment alternatives and a hedging capability have allowed this strategy to achieve higher returns in bull markets -- and also make money during bear markets. The investment fund alternatives include the same, standard index funds as the Growth Portfolio but adds an index fund tracking the Nasdaq 100 Index. Of course, popular ETF alternatives are available for each of these investment options. In addition, individual market sector funds are included covering Energy, Real Estate and Precious Metals stocks. In addition, a hedging capability is provided through the ability to invest in an Inverse Fund (also known as a Bear Fund) in order to make money during bear markets.
Max Xtender: A very high-return strategy for those willing to accept greater levels of downside risk. This strategy invests in leveraged index funds and/or ETFs during strong bull markets -- and strong bear markets -- to magnify returns. (Alternatively, an investor may use margin to create leveraged positions in Exchange Traded Funds.) This strategy is able to leverage investments in Large Cap, Mid Cap, Small Cap and Over-the-Counter (Nasdaq) funds as well as leverage a short position with an "Ultra" Inverse Fund. The strategy also provides an unleveraged large cap International Fund option.
To see a PDF Detail Page on any of the Model Portfolios, click on the appropriate link below:
The table below provides a basic comparison of our generic strategies.
| Generic Model Portfolios: | Risk Category | Account Type Suitability | 5-Year Total Return | Investment Objective | Benchmark Series |
|---|---|---|---|---|
| Growth Portfolio | Moderate | 401k, IRAs, Taxable Brokerage | 71.2 % | Growth |
| Conservative Portfolio | Low | 401k, IRAs, Taxable Brokerage | 42.5 % | Conservative Growth | Performance Extention Series |
| Performance Xtender | Moderate | IRAs, Taxable Brokerage | 90.8 % | Growth with Hedging |
| Max Xtender | High | IRAs, Taxable Brokerage | 141.7 % | Speculative Growth |
The model was used originally to manage a mutual fund portfolio. Then, "indexed" mutual funds became widely available and the model was adapted to manage a simple portfolio mix of important stock market indexes and bonds.
Over the years we elaborated on the original model and developed the four different generic versions you see in this site. And more recently, Exchange Traded Funds (ETFs) have become available and can easily be used with the models instead of indexed mutual funds.
Note that the investment returns shown in this site are a combination of actual, “live” returns blended with computer-simulated returns, depending upon when each new version was launched and when we began tracking actual, live performance. And beware that Past Performance Does Not Guarantee Future Results.
For assistance in determining which of the four investment strategies may be suitable for your particular needs, go to Which Program Is Best For Me? Of course, the determination of whether any of our strategies may be suitable for you is your own sole responsibility. We recommend you consult with a licensed financial advisor to assist you with this determination.
