Specializing in retirement planning and personalized investment management.

Model Allocations for: IBM

We have built four asset allocations with the investment options available in your plan*. Feel free to use the allocations as given, or modify them to your preference.  For instance, in order to do a 60% stock allocation, you would split the difference between the 70 and 50 allocations.

 
  Investment  Asset Class 90% Stocks 70% Stocks 50% Stocks 30% Stocks
Stocks  Large Company Index US Large Blend 20% 16% 12% 8%
  Vanguard Equity Income US Large Value 18% 14% 10% 6%
  DFA US Small Cap US Small Blend 9% 7% 5% 3%
  DFA US Targeted Value US Small Value 9% 7% 5% 3%
  DFA Global Real Estate Real Estate 9% 7% 5% 3%
  Vanguard International Growth International Large Blend 12% 9% 7% 4%
  DFA International Small Company International Small Blend  6%  5%  3% 2%
  DFA Emerging Markets  Emerging Markets 7% 5%  3% 1%
    Total Stocks: 90% 70% 50% 30%
Bonds Vanguard Short-Term Investment Grade Investment Grade Bonds 6% 16% 24% 32%
  Vanguard Intermediate-Term Investment Grade Investment Grade Bonds 2% 5%  8% 11%
  Vanguard High Yield Corporate High Yield Bonds
2% 4% 6%
  Vanguard Inflation-Protected Securities TIPs 1% 3% 6% 9%
  PIMCO Global Bond US Hedged Global Bonds   1% 4% 8% 12%
    Total Bonds: 10% 30% 50% 70%

*Investment options as of: Fall of 2016

If your investment options have changed since this date, please email us a list of your new options. We will contact you when we've reviewed them and made any necessary changes to our allocations.

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