TSOA Freedom Portfolio Asset Allocation for Retirement Accounts (updated December 1, 2014)

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) Tool 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 Tool to learn about your ideal asset allocation.

Notes:

    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.