COVID-19 Alert: Blue Water Capital Management, LLC is primarily working from home offices and using remote meetings, but can meet in-person as well.
If you have concerns about the markets, or would like to have us look over your investments, please feel free to contact us.

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.