A multi asset class portfolio
MODEL TABLE OF CONTENTS (Skip to Section)
The Role-Based Model is a portfolio example containing publicly traded exchange-traded funds that trade on U.S. exchanges. The holdings listed are representative examples. Other ETFs and funds with similar characteristics could be used.
Who Should Use A Role-based Model Portfolio?
- Investors who want a multi-asset class portfolio designed to perform well under all economic regimes.
- Stocks, for example, are in the portfolio because they generally perform better during periods of economic growth.
- Bonds and cash are a part of the portfolio because they tend to do better during periods of recession and deflation.
- Gold is part of the role-based portfolio because it tends to do better during periods of higher inflation, particularly unexpected inflation.
- Other asset classes could be used for these different roles. For example, for inflation, Treasury Inflation Protection securities and real estate can be used to protect against inflation.
- The expected risk profile of the role-based model portfolio falls between the MFTROU Moderate and Moderate Aggressive Portfolios. Given its allocation to gold and long-term bonds, the Role-Based Model Portfolio has a higher expected volatility per unit of expected return compared to the other Money for the Rest of Us Model portfolios.
Performance for periods ending September 30, 2025
Performance is annualized for periods longer than one year.
| 3 Months | YTD | 1 Year | 3 Years | 5 Years | Since Inception | Inception Date | Maximum Drawdown | Annual Standard Deviation | |
|---|---|---|---|---|---|---|---|---|---|
| Role-based Model Portfolio | 7.0% | 15.8% | 13.7% | 15.3% | 8.2% | 9.5% | 12/31/2018 | -17.8% | 9.4% |
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