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Market-Timed Portfolios Buy-and-Hold Portfolios
RYDEX-MODERATE MERRIMAN MODEL PORTFOLIO
RYDEX-GROWTH SCHWAB EQUITY
RYDEX-LEVERAGED SCHWAB BALANCED
 RYDEX-FIXED INCOME E*TRADE EQUITY
ETF-MODERATE  E*TRADE BALANCED

FIDELITY EQUITY

FIDELITY BALANCED
ETF-GROWTH  Firstrade EQUITY 
 ETF-LEVERAGED  Firstrade BALANCED
 ETF-FIXED INCOME TD AMERITRADE EQUITY  
  TD AMERITRADE BALANCED  

T.ROWE PRICE EQUITY

T.ROWE PRICE BALANCED

VANGUARD EQUITY
  VANGUARD TAX MANAGED EQUITY
  VANGUARD MONTHLY INCOME
  VANGUARD BALANCED
  EMERGENCY FUNDS
  ETF EQUITY
  ETF BALANCED

Market Timing Model Frequently Asked Questions




Asset Class Abbreviations   
 Large Cap Blend
 LCB
 Large Cap Growth  LCG
 Large Cap Value
 LCV
 Mid Cap Blend
 MCB
 Mid Cap Growth
 MCG
 Mid Cap Value
 MCV
 Small Cap Blend
 SCB
 Small Cap Growth  SCG
 Small Cap Value
 SCV
 Real Estate Investment Trust
 REIT
 International Large Cap Blend
In'tl LCB
 International Large Cap Growth
Int'l LCG
 International Large Cap Value
Int'l LCV
 International Small Cap Blend
Int'l SCB
 International Small Cap Growth
Int'l  SCG
 International Small Cap Value
Int'l SCV
 Emerging Markets
EM
 Short Term Bond
Short Bond
 Intermediate Term Bond
Inter. Bond
 Long Term Bond
Long Bond 
 Treasury Inflation Protected Securities
TIPS

RYDEX MODERATE - TIMING
($25,000 minimum)
System Allocation Fund Ticker  Asset Class 
#1 25% Large Cap Value (RYZAX)  LCV
#2 25% Mid Cap Growth (RYBHX)  MCG
#3 25% Small Cap Value (RYAZX)  SCV
#4 25% Mid Cap Value (RYAVX)  MCV
RYDEX GROWTH - TIMING
($25,000 minimum)
System Allocation Fund Ticker  Asset Class 
#1 25% Nova (RYNVX))  LCB
#2 25% Mid Cap Growth (RYBHX)  MCG
#3 25% OTC (RYOCX)  LCG
#4 25% Small Cap Value (RYAZX)  SCV
RYDEX LEVERAGED - TIMING
($25,000 minimum)
System Allocation Fund Ticker  Asset Class  
#1 25% Titan 500 (RYTNX)  LCB
#2 25% Medius (RYMDX)  MCB
#3 25% Velocity 100 (RYVYX)  LCG
#4 25% Mekros (RYMKX)  SCB
RYDEX-FIXED INCOME
($25,000 minimum)
Bond Model 100% U.S. Government Bond (RYGBX)  Long Bond
ETF-MODERATE - TIMING
System Allocation Fund Ticker  Asset Class 
#1 25% S&P Depository Receipts-S&P 500 (SPY) LCB 
#2 25% S&P Mid Cap 400 SPDRS (MDY) MCB 
#3 25% S&P Small Cap 600
(IJR) SCB
#4 25% S&P Mid Cap 400/BARRA Value Index (IJJ) MCV 
ETF-GROWTH - TIMING
System Allocation Fund Ticker  Asset Class 
#1 25% S&P Depository Receipts-S&P 500 (SPY) LCB 
#2 25% S&P Mid Cap 400 SPDRS (MDY)  MCB 
#3 25% NASDAQ 100 Index Tracking Stock (QQQ) LCG
#4 25% S&P Small Cap 600 (IJR) SCB
ETF-LEVERAGED- TIMING
System Allocation Fund Ticker  Asset Class 
#1 50% S&P Depository Receipts-S&P 500 (SPY) LCB 
#2 50% S&P Mid Cap 400 SPDRS (MDY) MCB 
#3 50% NASDAQ 100 Index Tracking Stock (QQQ) LCG 
#4 50% S&P Small Cap 600 (IJR) SCB 
ETF-FIXED INCOME- TIMING
System Allocation Fund  Asset Class 
Bond Model 100% iShares Lehman Aggregate Bond Index (AGG)  Inter. Bond
Buy-and-Hold Portfolios

MERRIMAN MODEL PORTFOLIO-ALL EQUITY
($100,000 minimum)
10% Fidelity Spartan 500 Index (FSMKX)  LCB 
10% Vanguard Value Index (VIVAX)  LCV 
10% Vanguard Small Cap Index (NAESX)  SCB 
10% Vanguard Small Cap Value Index (VISVX) SCV
 10% Vanguard REIT Index  (VGSIX)
 REIT
10% Fidelity Spartan International Index (FSIIX) Int'l LCB 
10% Vanguard International Value (VTRIX) Int'l LCV 
10% Tocqueville International Value
(TIVFX) Int'l SCV 
10% T. Rowe Price International Discovery
(PRIDX) Int'l SCG 
10% Vanguard Emerging Market Index (VEIEX)  EM
SCHWAB EQUITY - BUY-AND-HOLD
($100,000 minimum)
10% Schwab 1000 (SNXFX)  LCB
10% Soundshore Fund (SSHFX)  LCV
10% Schwab Small Cap Index (SWSMX)  SCB
10% Heartland Value Plus (HRVIX)  SCV
 10% Cohen Steers Realty Shares   (CSRSX)  REIT
10% Schwab International Index (SWINX)  Int'l LCB
10% I-Shares EAFE Value Index
(EFV)  Int'l LCV
10% Lazard Int'l Small Cap Open (LZSMX)  Int'l SCV
10% Tocqueville International Value (TIVFX)  Int'l SCV
10% American Century Emerg. Mrkt (TWMIX)  EM
SCHWAB BALANCED - BUY-AND-HOLD
($166,667 minimum)
6% Schwab 1000 (SNXFX)  LCB
6% Soundshore Fund (SSHFX)  LCV
6% Schwab Small Cap Index (SWSMX)  SCB
6% Heartland Value Plus (HRVIX)  SCV
 6% Cohen Steers Realty Shares
(CSRSX)
 REIT
6% Schwab International Index (SWINX)  Int'l LCB 
6% I-Shares EAFE Value Index (EFV) Int'l LCV
6% Lazard Int'l Small Cap Open (LZSMX)  Int'l SCV
6% Tocqueville International Value (TIVFX)  Int'l SCV
6% American Century Emerg. Mrkt (TWMIX)  EM
20% Am . Century Gov. Bond
(CPTNX)  Inter. Bond
12% Am. Century Short-Term Government (TWUSX)  Short Bond
8% Am. Century Inflation Adjusted Bond
(ACITX)  TIPS
E*TRADE All Equity - BUY-AND-HOLD
($25,000 minimum)
10% E*TRADE S&P 500 Index
(ETSPX)  LCB 
10% Amer Cent Income and Growth Inv
(BIGRX)  LCV
20% E*TRADE Russell 2000 Index
(ETRUX)  SCB
10% SSgA Tuckerman Act Reit
(SSREX)  REIT
20% E*TRADE International Index
(ETINX)  Int'l LCB
20% Tocqueville International Value (TIVFX)  Int'l SCV
10% Vanguard Emerging Market VIPERs
(VWO)  EM
E*TRADE BALANCED - BUY-AND-HOLD
($41,667 minimum)
6% E*TRADE S&P 500 Index
(ETSPX)  LCB
6% Amer Cent Income and Growth Inv
(BIGRX)  LCV
12% E*TRADE Russell 2000 Index
(ETRUX)  SCB
6% SSgA Tuckerman Act Reit
(SSREX)  REIT
12% E*TRADE International Index
(ETINX)  Int'l LCB
12% Tocqueville International Value (TIVFX)  Int'l SCV
6% Vanguard Emerging Market VIPERs (VWO)  EM
20%  AmerCent Gov't Bond Inv  (CPTNX)  Inter. Bond 
 12% AmerCent S/T Gov't Bond Inv    (TWUSX)
 Short Bond
8%  AmerCent Inflation Adj. Bond Inv  (ACITX)
 TIPS
FIDELITY EQUITY - BUY-AND-HOLD
($100,000 minimum)
10% Fidelity Spartan 500 Index ( FSMKX )   LCB 
10% Fidelity Structured Large Cap Value
(FSLVX)  LCV
10% Fidelity Small Cap Independence (FDSCX)  SCG
10% Fidelity Small Cap Value (FCPVX)  SCV
 10% Fidelity Real Estate   (FRESX)  REIT
10% Fidelity Spartan International Index (FSIIX)  Int'l LCB
20% Fidelity Int'l Small Cap Opportunity
(FSCOX)  Int'l SCG
 10%  Fidelity International Value  (FIVLX)   Int'l LCV
10% Fidelity Emerging Markets  (FEMKX  EM
FIDELITY BALANCED - BUY-AND-HOLD
($166,667 minimum)
6% Fidelity Spartan 500 Index ( FSMKX )  LCB
6% Fidelity Structured Large Cap Value (FSLVX)  LCV
6% Fidelity Small Cap Independence (FDSCX)  SCG
 6%  Fidelity Real Estate
(FRESX)
 REIT
6% Fidelity Small Cap Value (FCPVX)  SCV
6% Fidelity Spartan International Index (FSIIX)  Int'l LCB
12% Fidelity Int'l Small Cap Opportunity (FSCOX)  Int'l SCB
 6% Fidelity International Value  (FIVLX)    Int'l LCV
 6% Fidelity Emerging Markets  (FEMKX  EM
 20% Fidelity Intermediate Gov't.   (FSTGX)  Inter. Bond
12% Fidelity Spartan Short-Term Bond (FSBIX)  Short Bond
8% Fidelity Inflation Protected
(FINPX)  TIPS
Firstrade EQUITY - BUY-AND-HOLD

  Please see our ETF Portfolios
   
Firstrade BALANCED- BUY-AND-HOLD

Please see our ETF Portfolios
TD AMERITRADE EQUITY- BUY-AND-HOLD
($40,000 minimum)
10% Northern Stock Index ( NOSIX )  LCB
10% AmerCent Inc & Growth Inv
(BIGRX)  LCV
10% Northern Small Cap Index
(NSIDX)  SCB
10% Northern Small Cap Value (NOSGX)  SCV
10% SSgA Tuckerman Act Reit
(SSREX)  REIT
10% Dreyfus Int'l Stock Index
(DIISX)  Int'l LCB
 10% American Beacon Int'l Equity  (AAIPX)    Int'l LCV
 10% Forward Int'l Small Company
(PISRX  Int'l SCB
10% Wisdom Tree Int'l Sm. Cap Div.
(DLS)  Int'l SCV
10% Northern Emerging Equity
(NOEMX)  EM
TD AMERITRADE BALANCED- BUY-AND-HOLD
($66,667 minimum)
6% Northern Stock Index ( NOSIX )  LCB
6% AmerCent Inc & Growth Inv
(BIGRX)  LCV
6% Northern Small Cap Index
(NSIDX)  SCB
6% Northern Small Cap Value (NOSGX)  SCV
6% SSgA Tuckerman Act Reit
(SSREX)  REIT
6% Dreyfus Int'l Stock Index
(DIISX)  Int'l LCB
 6% American Beacon Int'l Equity  (AAIPX)    Int'l LCV
 6% Forward Int'l Small Company
(PISRX  Int'l SCB
6% Wisdom Tree Int'l Sm. Cap Div. (DLS)  Int'l SCV
6% Northern Emerging Equity
(NOEMX)  EM
 20% AmerCent Gov't Bond Inv  (CPTNX  Inter. Bond
 12% AmerCent S/T Gov't Bond Inv  (TWUSX)
 Short Bond
 8% AmerCent Inflation Adjusted Bond Index  (CPTNX)
 TIPS
T.ROWE PRICE EQUITY - BUY-AND-HOLD
($25,000 minimum)
10% T.Rowe Price Equity Index 500 (PREIX)  LCB
10% T.Rowe Price Value (TRVLX)  LCV
20% T.Rowe Price Div. Small Cap (PRDSX)  SCG
 10%  T. Rowe Price Real Estate
 (TRREX)  REIT
20% T.Rowe Price International Discovery (PRIDX)  Int'l SCG
10% T.Rowe Price International Equity Index (PIEQX)  Int'l LCB
10% T.Rowe Price International Growth & Income (TRIGX)  Int'l LCV
10% T.Rowe Price Emerging Market Stock (PRMSX)  EM
T.ROWE PRICE BALANCED - BUY-AND-HOLD
($41,667 minimum)
6% T.Rowe Price Equity Index 500 (PREIX)  LCB
6% T.Rowe Price Value (TRVLX)  LCV
12% T.Rowe Price Div. Small Cap (PRDSX)  SCG
  T. Rowe Price Real Estate  (TRREX)  REIT
12% T.Rowe Price International Discovery (PRIDX)  Int'l SCG
6% T.Rowe Price International Equity Index (PIEQX)  Int'l LCB
6% T.Rowe Price International Growth & Income (TRIGX)  Int'l LCV
6% T.Rowe Price Emerging Market Stock (PRMSX)  EM
 20% T.Rowe Price US Treasury Intermediate
 (PRTIX)  Inter. Bond
12% T.Rowe Price Short Term Bond (PRWBX)  Short Bond
8% T.Rowe Price Inflation Protected Bond
(PRIPX)  TIPS
VANGUARD EQUITY - BUY-AND-HOLD
($30,000 minimum)
10% Vanguard 500 Index (VFINX)  LCB
10% Vanguard Value Index (VIVAX)  LCV
10% Vanguard Small Cap Index (NAESX)  SCB
10% Vanguard Small Cap Value Index (VISVX)  SCV
 10%  Vanguard REIT Index
 (VGSIX)  REIT
20% Vanguard Developed Markets Index (VDMIX)  Int'l LCB
20% Vanguard International Value (VTRIX)  Int'l LCV
10% Vanguard Emerging Market Index (VEIEX)  EM
VANGUARD TAX MANAGED EQUITY - BUY-AND-HOLD
($80,000 minimum)
12.5% Vanguard Tax Managed Growth (VTGIX)  LCB
12.5% Vanguard Value Index (VIVAX)  LCV
12.5% Vanguard Tax-Managed Small Cap Index (VTMSX)  SCB
12.5% Vanguard Small Cap Value Index (VISVX)  SCV
20.0% Vanguard Tax-Managed International (VTMGX)  Int'l LCB
20.0% Vanguard International Value (VTRIX)  Int'l LCV
10.0% Vanguard Emerging Market Index (VEIEX)  EM
VANGUARD MONTHLY INCOME - BUY-AND-HOLD
($12,000 minimum)
25% Vanguard Short-Term Investment Grade/td> (VFSTX)  Short Bond
25% Vanguard GNMA (VFIIX)  Inter. Bond
25% Vanguard High-Yield Corporate (VWEHX)  Inter. Bond
25% Vanguard L/T Corporate Bond (VWESX)  Long Bond
VANGUARD BALANCED - BUY-AND-HOLD
($50,000 minimum)
6% Vanguard 500 Index (VFINX)   LCB
6% Vanguard Value Index (VIVAX)  LCV
6% Vanguard Small Cap Index (NAESX)  SCB
6% Vanguard Small Cap Value Index (VISVX)  SCV
6%    Vanguard REIT Index  (VGSIX)  REIT
12% Vanguard Developed Markets Index (VDMIX)  Int'l LCB
12% Vanguard International Value (VTRIX)  Int'l LCV
6% Vanguard Emerging Market Index (VEIEX)  EM
20% Vanguard Intermediate Term US Treasuries
(VFITX)  Inter. Bond
12% Vanguard Short Term Treasuries
(VFISX)  Short Bond
8%  Vanguard Inflation Protected Securities   (VIPSX)  TIPS
EMERGENCY FUNDS - BUY-AND-HOLD
($3,000 minimum)
100% Vanguard Short Term Investment Grade Bond (VFSTX)  Short Bond
ETF EQUITY BUY-AND-HOLD
10% S&P Depository Receipts (SPDR) S&P 500 (SPY)   LCB
10% Vanguard Value VIPERs
(VTV)  LCV
10% I-Shares Russell Microcap Index (IWC)  SCB
10% Vanguard Small Cap Value VIPERs
(VBR)  SCV
 10%  Vanguard REIT Index ETF
(VNQ)
 REIT
10% I-Shares MCSI EAFE (EFA)  Int'l LCB
10%   I-Shares MSCI EAFE Value Index
 (EFV)  Int'l LCV
10%  SPDR S&P Int'l Small Cap   (GWX) Int'l SC 
10%   WisdomTree Int'l Small Cap Div Fund (DLS  Int'l SCV
10% Vanguard Emerging Markets VIPERs
(VWO)  EM
ETF BALANCED BUY-AND-HOLD
6% S&P Depositary Receipts (SPDR) S&P 500 (SPY)  LCB
6% Vanguard Value VIPERs (VTV)  LCV
 6%  I-Shares Russell Microcap Index  (IWC  SCB
 6%  Vanguard Small Cap Value VIPERs
(VBR)
 SCV
6%   Vanguard REIT Index ETF  (VNQ)  REIT
6% I-Shares MSCI EAFE (EFA)  Int'l LCB
6%   I-Shares MSCI EAFE Value Index  (EFV)  Int'l LCV
 6% SPDR S&P Int'l Small Cap
 (GWX) Int'l SC
6%    WisdomTree Int'l Small Cap Div Fund  (DLS)  Int'l SCV
6% Vanguard Emerging Market VIPERs (VWO)  EM
 20% I-Shares Lehman 7-10 yr
(IEF)
 Long Bond
12% I-Shares Lehman 1-3 yr (SHY)  Short Bond
8% I-Shares Lehman TIPS Bond
(TIP)  TIPS
Last update: November 19, 2007