Build and Manage Your Retirement Plan With MyPlanIQ

May 21, 2016

John Zhong, CEO and founder of portfolio service MyPlanIQ, describes how his website uses model portfolios to help investors build and maintain diversified portfolios for their retirement plan based on their risk tolerance and allocation desires.

MyPlanIQ is an online portfolio suggestion platform for retirement investing. Established in 2008, it provides asset allocation model portfolios for retirement plans including 401(k), defined-contribution, IRA/taxable brokerage and variable annuity plans. MyPlanIQ is designed to help investors manage risk within their portfolios through two main factors: portfolio diversification and tactical risk reduction.

Users can customize a plan-specific model portfolio that is tailored to their risk level by answering a few questions. The platform monitors the model portfolios daily and sends rebalancing instructions monthly. MyPlanIQ has over tens of thousands of public retirement plans [401(k), 403(b), etc.] and can construct model portfolios using the candidate funds in a plan. In addition, it has constructed exchange-traded funds (ETFs) and no-load and no-transaction-fee mutual fund investment plans for major brokerages. Users can use these plans for their IRAs and taxable investments.

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