Current Model Recommendations:

Follow our investment models inside your own account(s)

Take control of your portfolio with our rules-based models. Each investment model is built to manage risk, reduce volatility, and protect your wealth through all market conditions.

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

    Learn more

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

    Learn more

  • 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…

    Learn more

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

    Learn more

Our investment models give
you an edge beyond passive
investing.

Keep more of your returns by cutting out high advisor costs.

Explore Our Investment Models

Why most investors underperform and how our investment solutions change that

Outdated strategies, emotional investing, and fixed allocations cost investors millions every year. We solve that problem.

The Problem

  • Most investors rely on static allocations or target date funds that ignore changing market conditions.
  • Emotional decisions and behavioral biases lead to poor timing and lost returns.
  • Traditional “buy-and-hold” strategies can suffer 50%+ drawdowns during market crashes.

The Solution

  • Leverage a data-driven approach to identify exactly where we are in the market cycle.
  • Adjust portfolio allocations monthly to stay in sync with evolving market conditions and emerging opportunities.
  • Rely on disciplined, quantitative investment strategies that eliminate emotional decisions and the impact of behavioral biases.

Why should you be confident in our approach? Because it’s built on decades of proven, peer-reviewed research.

Explore the Research Behind Our Models

Why choose Model Investing?

Smarter Investing Backed by Data And Not Emotions

At Model Investing, we replace guesswork with proven, rules-based portfolios. Using advanced quantitative investment models and key economic indicators, we determine the optimal portfolio allocation, helping you:

Reduce risk and protect your hard-earned wealth

checkicon

Avoid major market downturns while staying positioned for growth

checkicon

Outperform traditional buy-and-hold strategies over time

checkicon

Invest confidently across 401(k), TSP, IRAs, and taxable accounts

checkicon

Perfect for Retirement Plans and Long-Term Investors

Whether you’re managing your own 401(k), participating in the federal Thrift Savings Plan (TSP), or building wealth through IRAs or taxable accounts, our dynamic, tactical portfolios adapt to changing markets, so you’re never stuck with static allocations.

Choose Your Investment Model

Data-driven investing made simple

Three Simple Steps for Effective Investment Portfolio Management.

  • 1

    Access the Models

    Sign up and get instant access to our quantitative investment models tailored to your account type.

  • 2

    Update Your Investments

    Adjust your 401(k), TSP, IRA, or taxable account to match our monthly recommendations.

  • 3

    Stay in Sync

    Receive monthly updates that adapt to market conditions, keeping your portfolio protected and growing.

Reduce risk. Protect gains. Stay on track.

Start Your Free Month

Compare our tactical
investment models

Find the Investment Model that’s right for you.

  • Dynamically adapts to changing market conditions

    arm

    srm

    401

    tsp

  • Avoids Major Market Crashes

    arm

    srm

    401

    tsp

  • Significantly Outperforms Market/Benchmarks

    arm

    srm

    401

    tsp

  • Complete Portfolio Management Solution

    arm

    401

    tsp

  • Designed for Individual Investors

    arm

    srm

  • Designed for 401(k) Investors

    401

  • Designed for TSP Investors

    tsp

  • Included with Premium Subscription

    arm

    srm

    401

    tsp

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

$
$
$
%
$
Estimate your SS benefit »
$

Clear Values How the Calculator Works

Calculation Inputs:


Model Investing - Retirement Calculator

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!

Results:
Print Download
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.

Model Investing - Model Calculator

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

Model Investing - ARM Model

The ARM selects between stocks, bonds, and cash to keep you on the right side of any market. Learn More »

Model Investing - SRM Model

The SRM utilizes nine sector funds to keep you in the top performing sector of the market. Learn More »

Model Investing - SRM + ARM Models

This option shows the results of using the SRM and ARM models together. Learn More »

Model Investing - 401 Model

The 401 Model provides 401(k) investors with recommended allocations that change based on market conditions. Learn More »

Model Investing - TSP Model

The TSP Model provides TSP investors with recommended allocations that change based on market conditions. Learn More »

Model Investing - GRM Model
$ .00
$ .00
About this calculator

Loading Results...

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 Smarter Way to Navigate Every Market Cycle

  • Stay invested in the top performing areas of the market

    Don’t let slow-moving investments hold you back. Our models keep your portfolio focused on the strongest asset classes — so your money is always working where it has the best chance to grow.

  • Avoid major losses when the market crashes

    Market downturns can set you back years. Our rules-based, quantitative strategies adjust before the worst of the decline, helping you protect capital through events like the dot-com crash, the 2008 financial crisis, and COVID-19 volatility.

  • Earn higher returns with less risk by investing smarter

    Stop relying on buy-and-hope. Our models help you capture more upside while limiting drawdowns, delivering stronger risk-adjusted returns and smoother long-term growth.

What our clients are saying

  • testimonial-sara-hardin

    "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

  • testimonial-ryan-and-tami-pearson

    "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

  • testimonial-leslie-moyer

    "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

  • testimonial-keri-mcmillan

    "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

  • testimonial-jason-breschi

    "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

  • testimonial-andrew-carroll

    "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

  • testimonial-aldan-santoro

    "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

  • testimonial-russell-klein

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

    Russell Klein

    El Paso, TX

  • Co

    "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

Have a world-class
investment team in your corner

Our team translates complex market data into clear, actionable strategies that anyone can follow. Whether you’re new to investing or refining your retirement plan, having a dedicated team on your side means you can make decisions with confidence instead of uncertainty.

Get Started for Free

Expert Team. Proven Strategies. Smarter Investing.

The Model Investing team brings together experienced finance professionals, data scientists, and software engineers all dedicated to helping you make smarter investment decisions. Our model-driven approach and portfolio management solutions are designed to build and protect your wealth with confidence over the long-term.

Invest smarter with research-backed insights

Explore the ideas, data, and lessons that drive better investing decisions.

Explore Our Free Resources

Don’t let the next
market move catch
you off guard

Start protecting and growing your portfolio today with our 
smart investment solutions. Your future self will thank you.

  • Free 30-day trial — see our models before you commit.
  • Proven, transparent, and easy to follow.
  • Works for any account type — 401(k), TSP, IRA, taxable accounts.

Start Your Free Month Now Get Answers About Our Models