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Mutual Fund Plan - V (MF-V Plan) 

This plan uses Vanguard funds for small cap, mid cap, large cap, international, and growth. 

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At any point in time, you will get recommendation for the best fund to hold for the period until our underlying models suggest a change in the fund. When a change is needed, you will get a recommendation for selling the current fund and buying a new one that we recommend.

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Average number of trades / year: 4 to 5

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Is our money invested in this plan: YES

Past Performance

Returns

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  • 30 years: 21% p.a.

  • 10 years: 17.4% p.a.

  • 3 years: 15.3% p.a.

  • 3 months: 13.2% increase

  • 1 month: 0.5% increase

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Risk

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  • Probability of 15% y-o-y loss: 1.9% vs 17.3% for S&P500

  • Sortino Ratio: 8.57 vs 2.64 for S&P500

How to use?

You can use this strategy in any account where you can buy Vanguard funds.

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If your account does not offer the funds , then use the fund that is closest to our recommendation.

Considering that the MF-V plan is a single fund at a time strategy (vs a portfolio of funds), you may want to hold 50% of your investments in a birthdate fund of your desire and the remaining 50% in this strategy for that extra boost. Or like we do, use the Mutual Fund pack for 50%/50% MF-V and MF-F strategies

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