The 401K model is designed for use with employer retirement plans, such as 401K shows, 457, Thrift Savings Plans, and 403b. It can also be used with virtually all mutual fund families.

Its goal is to provide the subscriber with the current strongest-performing asset classes. These asset classes will line up with the mutual fund choices available in your company-sponsored retirement plan and your mutual fund families.

This model typically has 4 to 5 holdings. It is rebalanced quarterly to rotate into the stronger asset classes and out of the weaker ones. Because of changing market and economic conditions, the asset classes producing the highest relative strength can change over time. The quarterly rebalancing will keep the subscriber up to date with these changes.

Additionally, the Risk Management Indicators at Think 2 Retire are also applied to this model to provide additional volatility control and long-term growth. See the website's Risk Management Indicator and Video Library section for more details.

The allocation percentages mentioned in the example portfolio below are not those suggested in the current model allocation. They're for illustrative purposes only.

As always, subscribers are welcome to deviate from the model's current allocation suggestions to meet their individual needs.