Asset Allocation Models

Our asset allocation functionality helps take the guesswork out of selecting funds when opening an account. We offer three easy ways to build a diversified investment portfolio.

Select one of our Predefined Asset Allocation Models.
We developed these custom portfolios with the goal of making it easier for those we serve to match their individual investment style and risk tolerance with the mix of stocks, bonds and cash needed to help meet their targeted objectives.
Need more help?
Select Take a Questionnaire to receive a Predefined Asset Allocation Model that is based on your responses to a brief risk tolerance questionnaire.
Want to create your own model?
If you already know which funds to invest in, choose Create Custom Asset Allocation Model.

For new accounts, simply click Open Account in the menu above and choose your preferred option in the Investment Preferences section.

Asset allocation functionality is also available to existing investors. When you log in to your account, choose Asset Allocation Model from the menu.

Creating a model also allows you to set up auto-rebalancing anytime. This will rebalance your account back to your chosen asset allocation model percentages according to the frequency you select. Your model will also drive your future investments unless you direct us otherwise. You can change or deactivate your model at any time.

Neither asset allocation nor diversification guarantees a profit or protects against a loss in a declining market. They are methods used to help manage investment risk.

Conservative Portfolio

  • Cash10%
  • Short-Term Bonds60%
  • Intermediate-Term Bonds15%
  • Large-Cap Value Stocks5%
  • Large-Cap Growth Stocks5%
  • International Stocks5%
Portfolio Characteristics
  • Short time horizon: 1 – 3 years
  • Conservative portfolio
  • Lower risk compared to moderate and aggressive portfolios
  • Less potential for return

Moderately Conservative Portfolio

  • Cash10%
  • Short-Term Bonds35%
  • Intermediate-Term Bonds25%
  • Large-Cap Value Stocks10%
  • Large-Cap Growth Stocks10%
  • International Stocks10%
Portfolio Characteristics
  • Shorter time horizon: 3 – 4 years
  • Conservative portfolio
  • Lower risk compared with moderate and aggressive portfolios
  • Less potential for return

Moderate Portfolio

  • Cash5%
  • Short-Term Bonds25%
  • Intermediate-Term Bonds20%
  • Large-Cap Value Stocks15%
  • Large-Cap Growth Stocks15%
  • International Stocks10%
  • Small-Cap Stocks10%
Portfolio Characteristics
  • Medium time horizon: 4 – 7 years
  • Moderate portfolio
  • Higher risk compared with the conservative portfolios
  • More potential for return

Aggressive Portfolio

  • Short-Term Bonds15%
  • Intermediate-Term Bonds20%
  • Large-Cap Value Stocks20%
  • Large-Cap Growth Stocks20%
  • International Stocks15%
  • Small-Cap Stocks10%
Portfolio Characteristics
  • Longer time horizon: 8 – 12 years
  • Aggressive portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher potential for return

Very Aggressive Portfolio

  • Intermediate-Term Bonds15%
  • Large-Cap Value Stocks25%
  • Large-Cap Growth Stocks25%
  • International Stocks20%
  • Small-Cap Stocks15%
Portfolio Characteristics
  • Very long time horizon: 12+ years
  • Very aggressive portfolio
  • Higher risk compared to the conservative and moderate portfolios
  • Higher potential for return

See Account Types