Follow our investment models inside your own account(s)

Our investment models dynamically adjust to market risks to keep your portfolio safe from the hazards of today’s highly volatile markets

The Asset Rotation Model (ARM) helps you determine how to position your investments to capitalize on growth in both stocks and bonds…

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The stock market can be broken down into various sectors. At different times and for varying reasons, some sectors drastically outperform others…

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Employer-sponsored 401(k) plans are one of the most popular ways to save for retirement. But unfortunately, very few investors realize the full potential…

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The TSP Model provides Thrift Savings Plan (TSP) investors with recommended allocations that change dynamically based on market conditions.

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How it works

Access the latest recommendations

Our Investment Model Recommendations are just a few clicks away. Best of all, you can access them for free for one month.

Update your investments

Whether you invest through a 401(k), the Thrift Savings Plan, or your own personal accounts, we’ll show you exactly how to update your allocations.

Adjust your holdings each month

Our Models are constantly adapting to changing conditions to keep your money safe and growing. Keep your allocations in sync as our recommendations change.

Investment calculators

Use our Retirement Calculator to determine your projected savings at retirement. Use our Model Calculator to see how you would’ve done following our Models.

Retirement calculator
Model calculator

What is your current age?

When do you plan to retire?

What is the value of your current investments?

How much do you contribute to your retirement accounts?

What is your expected annual return?

Before retirement:

After retirement:

How much do you plan on withdrawing during retirement?

Inflation:

Expected inflation rate?

Apply to contributions?

Apply to withdrawals?

Other Income:

Include Social Security benefit?

Monthly benefit amount:

Estimate your SS benefit »

Beginning at age:

Include a pension benefit?

Monthly benefit amount:

Clear Values How the Calculator Works

Calculation Inputs:

It's never too early to plan for retirement. While it may seem intimidating at first, creating a realistic picture of where you're heading today will allow you to see where you'll end up in the future.

Our retirement calculator will help you stay on track. Get your custom retirement report in less than two minutes!

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Value of Investments

Age

Projected savings at retirement

Estimated age at which you will exhaust your retirement savings

Deposits/Withdrawals

Age

Important: This calculator is presented for educational and illustrative purposes. Information used in the calculations may change year to year or in the future, so results constitute a general guide only. Results do not take fees or taxes into account.

Welcome to the Model Investing performance calculator. Select an investment model below to get started.

Select a Model:

Starting Balance:

$ .00

Start Month / Year:

Monthly Contribution:

$ .00

About this calculator

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ARM Performance

ARM Model

60/40 Stocks Bonds

$917,455.47

Balance as of the end of March 2025

Important: This calculator is presented for educational and illustrative purposes. There is no guarantee the illustrated result or return can be achieved nor does a result reflect the performance of any specific investment. Fees and taxes are not taken into account. Past performance is no guarantee of future results.

A strategy unlike any other

Stay invested in the top performing areas of the market

Exposure to underperforming asset classes drags down your overall return.

Avoid major losses when the market crashes

During the financial crisis and the dot-com collapse, many people lost over half their wealth.

Earn higher returns with less risk by investing smarter

The true performance of an investment strategy is measured by Alpha.

What our clients are saying

"Don't waste your time elsewhere. I compared Model Investing against a number of other robo-advisors and they outperformed, hands down."

James Shaffer

Aurora, CO

"As someone who knows almost nothing about investing, I couldn't be happier with Model Investing. They make it so easy!"

Sara Hardin

Scottsdale, AZ

"We love Model Investing because the performance is outstanding and it keeps us in control of our investments!"

Ryan and Tami Pearson

Salt Lake City, UT

"I feel safe knowing that if the market turns down, Model Investing will show me how to protect my investments."

Leslie Moyer

Fort Wayne, IN

"I used to ask my coworkers how to allocate my 401(k). Now they're coming to me for advice! Thanks Model Investing."

Keri McMillan

Madison, WI

"My wife and I were hit hard by the crash in 2008. Now we're using Model Investing to make sure that doesn't happen again."

Jason Breschi

Durham, NC

"I use the models to help structure financial plans for my clients. They tell me where the market's heading before it gets there."

Andrew Carroll, CPA/PFS, CGMA

Freelance CFO at CFOAndrew

"I use the 401(k) Allocation Model to make better informed decisions for my clients. This has been paramount to my success."

Aldan Santoro

New York City, NY

"Of all the investment advisory services I follow, Model Investing has been the most consistent."

Russell Klein

El Paso, TX

"Don't waste your time elsewhere. I compared Model Investing against a number of other robo-advisors and they outperformed, hands down."

James Shaffer

Aurora, CO

"As someone who knows almost nothing about investing, I couldn't be happier with Model Investing. They make it so easy!"

Sara Hardin

Scottsdale, AZ

"We love Model Investing because the performance is outstanding and it keeps us in control of our investments!"

Ryan and Tami Pearson

Salt Lake City, UT

"I feel safe knowing that if the market turns down, Model Investing will show me how to protect my investments."

Leslie Moyer

Fort Wayne, IN

"I used to ask my coworkers how to allocate my 401(k). Now they're coming to me for advice! Thanks Model Investing."

Keri McMillan

Madison, WI

"My wife and I were hit hard by the crash in 2008. Now we're using Model Investing to make sure that doesn't happen again."

Jason Breschi

Durham, NC

"I use the models to help structure financial plans for my clients. They tell me where the market's heading before it gets there."

Andrew Carroll, CPA/PFS, CGMA

Freelance CFO at CFOAndrew

"I use the 401(k) Allocation Model to make better informed decisions for my clients. This has been paramount to my success."

Aldan Santoro

New York City, NY

"Of all the investment advisory services I follow, Model Investing has been the most consistent."

Russell Klein

El Paso, TX

"Don't waste your time elsewhere. I compared Model Investing against a number of other robo-advisors and they outperformed, hands down."

James Shaffer

Aurora, CO

Invest your hard earned money

Follow our investment models inside your own account(s)