Investment Products, Asset allocation 401K, Excel Retirement Planner

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The Benefits

Product Descriptions

Asset Allocation Strategies

Our Asset Allocation Strategies include six model portfolios that differ by risk, ranging from 2.5% to 15% volatility. To keep portfolios efficient, allocations are updated monthly as market conditions change. Each strategy uses the following 11 asset classes.

US Large Cap Equity
US Mid Cap Equity
US Small Cap Equity
Developed International Equity
Emerging Markets Equity
US Aggregate Bond Market
International Bonds
Treasury Inflation-Protected Securities (TIPS)
US Real Estate (US REIT)
Commodities
Short Term Reserves (Cash)

Learn more...

Planning and Management Solution Center

Our Planning and Management Solution Center helps you comprehensively plan and manage your wealth over time. The Solution Center is comprised of models to support the three stages of wealth management: 1) long-range planning, 2) investment management set up and 3) ongoing investment management.

Long-range Planning

In the planning stage, you will create a retirement plan so that your short-term investment decisions can be aligned with your long-term goals. Creating a plan using our retirement planner allows you to account for the details in your plan and examine the impacts of changing variables such as retirement age, contributions, etc. We also offer a simulation feature within our retirement planner that shows you how your plan performs under different market scenarios.

We recommend updating your long-range plan annually.

Investment Management Set Up

In the set up stage, we’ll ask you to choose a strategy / model portfolio to follow that is either based on the results of the planning stage or based on our portfolio selection guidelines table. We will then help you set up a rebalancing policy suited to your unique tax and trading fee situation so that you avoid unnecessary investment costs. In this stage, we’ll help you estimate tax and trading costs associated with different rebalancing options. You will then select a policy that will determine rebalancing guidelines used in the investment management stage.

Investment Management

We’ve broken the ongoing portfolio management stage into two steps. In step one, you tell us how much wealth you have invested in the 11 asset classes used in our model. Then we'll show you how your wealth is balanced relative to the model portfolio. In step two, if your portfolio is out balance, we’ll recommend cost-minimizing trades to balance it.

We recommend managing your account on a monthly basis to ensure that your portfolio stays efficient at all times.

Investor Education

At Portfolio Research, our goal is to be at the forefront of investment strategy research. Ongoing research is an essential component of our company, and we will bring our findings to you in the form of articles and blog posts.

Our complimentary investor education service provides access to these articles so that you can better understand the science behind our strategies. We will continue to research and write about a variety of topics including investing, risk management, capital markets, and decision making under uncertainty. Visit our articles

Risk Report

Our risk report provides regularly updated measurements of market risk and asset class return correlations. It shows investors how current market risk compares to historical measurements and also how current diverisification value compares to historical values. Go to the Risk Report