PlanRock Model Portfolios - Steps
Step 1: Choose your Risk and Return Objective.
Step 2: Choose your Approach to Management
Step 3: Choose your Core strategy, which can be combined with the Income/Conservative strategy to control Risk Level
Step 4: Choose your Non-Traditional strategy for return consistency potential
Step 5: Fill out the “Sign Up” form below to receive rebalancing/trading updates.
* View below the Strategic and Tactical Portfolio files for all model portfolio allocations. Rebalancing and performance details are located the Advisor Access page.
* Click over each item below for more details.
Choose Your Risk Level
The Target asset allocation is typically 20% growth and 80% income assets. The long-term return objectives is between 5% and 7%. the 95% probability range of volatility, based on capital market assumption, could be between +20% and -7%. PlanRock does not design typical investment portfolios. Our growth and income asset classes focuses on an institutional approach and may not include only typical stock and bonds in attempt to add more value.
The target asset allocation is typically 40% growth assets and 60% income assets. The long-term return objective is between 6% and 8%. The 95% probability range of volatility, based on capital market assumption, could be between +25% and -10%. PlanRock does not design typical investment portfolios. Our growth and income asset classes focuses on an institutional approach and may not include only typical stock and bonds in attempt to add more value.
The target asset allocation is typically 60% growth assets and 40% income assets. The long-term return objective is between 7% and 9%. The 95% probability range of volatility, based on capital market assumption, could be between +30% and -20%. PlanRock does not design typical investment portfolios. Our growth and income asset classes focuses on an institutional approach and may not include only typical stock and bonds in attempt to add more value.
The target asset allocation is typically 80% growth assets and 20% income assets. The long-term return objective is between 8% and 10%. The 95% probability range of volatility, based on capital market assumption, could be between +40% and -30%. PlanRock does not design typical investment portfolios. Our growth and income asset classes focuses on an institutional approach and may not include only typical stock and bonds in attempt to add more value.
The target asset allocation is typically 100% growth assets. The long-term return objective is between 10% and 12% or more depending on strategy and time frame. The 95% probability range of volatility, based on capital market assumption, could be between +50% and -40% or greater depending of strategy. PlanRock does not design typical investment portfolios. Our growth and income asset classes focuses on an institutional approach and may not include only typical stock and bonds in attempt to add more value.
Choose Your Approach to Management
Strategic is a management approach that sets a target allocation for various asset classes and categories. The portfolio is rebalanced periodically to the target allocation when the asset classes or categories deviate within certain parameters from the initial allocation due to differing returns from the various assets.
Tactical is a more active management approach that shifts the percentage of assets held in various categories to take advantage of various market conditions. This approach allows portfolio managers to potentially create added value by taking advantage of certain situations in the marketplace. Allocations among asset classes and categories are typically above, below, or on target based on the long-term target allocation.
Choose Your Core Strategy
The Multi-Factor strategy systematically allocates assets across established return drivers within equity and fixed income markets. The equity allocation targets proven factors, including value, growth, size, quality, and momentum. This comprehensive approach offers enhanced diversification across broad markets while maintaining the flexibility to adjust factor exposures to capitalize on prevailing market conditions.
The High Beta strategy aims to outperform broad equity markets by strategically allocating to higher-growth, higher-beta market segments. This approach targets enhanced returns while maintaining disciplined exposure to dynamic growth opportunities across the equity landscape.
PlanRock's Non-Traditional strategies provide an objective of lower correlation to traditional static stock and bond portfolios. Portfolios can move between stocks, bonds, and alternative asset classes. They are designed to produce lower volatility with greater returns over time compared to traditional stock and bond portfolios.
A dividend-focused portfolio can be a key driver to providing a solution for income-oriented equity portfolios. Dividend-paying stocks are a segment of the broader stock market, but provide cash flow when needed.
The Value-Focused strategies leverage the academically validated value premium that has persisted in equity markets over time. These portfolios maintain strategic exposure to both large and small-capitalization equities that demonstrate strong value characteristics, supported by fundamental research
The PlanRock Income/Conservative portfolios include multiple bond categories and durations. The portfolios also include market neutral alternatives in attempt to provide consistency of returns and reduce high correlation to interest rates movements.
Choose Your Non-Traditional Strategies
The Enhanced Permanent Portfolio builds upon Harry Browne's pioneering all-weather concept from the 1970s. Incorporating modern financial innovations and an expanded investment universe, this strategy provides a robust framework designed to generate positive returns across varying economic environments
The Capital Efficient Portfolio reimagines from the traditional 60/40 stock-bond allocation through strategic use of leverage, stocks, bonds and alternatives. This approach enables broader diversification while maintaining balanced portfolio characteristics, potentially enhancing risk-adjusted returns through more efficient capital deployment. Equity, balanced and income portfolios are available.
The Enhanced Tactical Balanced portfolio delivers balanced portfolio objectives through dynamic allocation management. Unlike traditional balanced approaches, this strategy actively adjusts equity and fixed income exposures based on prevailing market trends. By systematically varying these allocations in response to market conditions, the portfolio aims to enhance risk-adjusted returns while maintaining a balanced risk profile without the use of leverage.
The Alternative Multi-Asset portfolio delivers strategic diversification through low correlation to traditional asset classes. By combining long/short strategies, managed futures, real assets including gold and commodities, and other sophisticated approaches, the portfolio aims to reduce market-dependent risks while enhancing overall portfolio resilience.
The Alternative Hedged Equity portfolio delivers hedged equity characteristics without relying on options-based strategies the most “buffer” strategies utilize. Through strategic allocation to equity-centric diversifiers, the portfolio aims to reduce volatility while potentially capturing more upside during sustained bull markets compared to traditional hedged approaches
The High Income Bond Alternative model is designed to generate robust portfolio cash flows that exceed standard fixed-income yields. The strategy targets higher levels of portfolio cashflows by pairing low corelating ultra-high-yield assets and alternative investments such as options on income and growth markets that help diversify and mitigate risk. This structural approach captures aggressive, market-beating income while explicitly seeking to provide a buffer against capital losses in a rising interest rate environment.
The High Income Equity Alternative model is designed to generate robust portfolio cash flows that exceed standard high dividend yield portfolios. the targets higher levels of portfolio cashflows by pairing a concentrated sleeve of ultra-high-yield equity assets and alternative investments such as options on growth markets that help diversify and mitigate risk. This structural approach captures aggressive, market-beating dividend income while explicitly seeking to mitigate the severe drawdown risks typical of pure covered call equity portfolios.
Choose Your Portfolio Allocation Files
Strategic Portfolio Holdings January 2026 Files - Does not include rebalancing (See Advisor Access) (Click to Download)
Tactical Portfolio Holdings June 2026 - Does not include rebalancing (See Advisor Access) (Click to Download)