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These same asset allocation model concepts can also be used with variable annuities, variable life insurance (VUL), 401k / 457 / 403bs, 529 plans, and with just one mutual fund family like we do for American Funds (or using as many fund families as you want).
This is
the same asset allocation model as the actual VA model we recommend, but funded with benchmark indices (that can't be invested in).
Not exact matches
Unlike the
asset allocation models, which are a unique money tools that you can't get anywhere else, most all comprehensive
asset allocation software sort of performs all of the
same basic functions.
This one dynamic actively - managed
asset allocation model uses exactly the
same shell (and investment strategy), but the difference is the
asset class weights are subject to change monthly based on market timing forecasts.
On average you earn the
same, but typically you fall below the consistent
asset allocation model's return.
This is also the answer to the question - «Why does the
asset allocation software always recommend a few more percent in cash compared to the
models, given the
same risk tolerance?»
These concepts are the
same as the
asset allocation models discussed on the
Model Portfolios page.