Personal IRA Portfolios and 401k Rollover to IRA

We suggest this balanced strategy to manage your personal IRA or 401k rollover to IRA accounts.

Because you are not under the restrictions of an employer managed 401k your are free to manage your own IRA retirement strategy. We suggest the following approach to your IRA investments:

Allocate your resources based upon how many years until you plan to retire. Use our asset allocation tool for your simple IRA allocations.
Select a balanced strategy of Index Exchange Traded Funds for your traditional IRA or Roth IRA portfolio. (ETFs are usually more profitable than mutual funds because of the ETF's lower expenses.)
Buy shares when the TimingTruth signal is a BUY; sell and move to a Cash position when it is a SELL signal.
Be patient. Your simple IRA retirement plan is a long term strategy by design.

This balanced strategy for simple IRA retirement plans is constructed to avoid the catastrophic losses many experienced in 2008-9. Please read our article "IRA Options Strategy" for complete details.

Below are the model IRA portfolios identifying the specific funds along with their related timing signals:

Fund Symbol	Underlying Index	Asset Class
VTI	MSCI US Broad Market Index	US Stock
VEA	MSCI EAFE Index	Foreign Stock
BND	Broad, Market-weighted Bond Index	Bonds
TIP	Barclays Capital U.S.Treasury Inflation Protected Securities (TIPS) Index	Inflation Proof Bonds
(MMF)	Any reputable Money Market Fund or Short Term Treasury Fund	Cash

Analyze this Strategy's Performance using our Portfolio Performance Analyzer

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