Model Investing gives you rules-based monthly allocation guidance for the accounts you already use. Start by choosing the account you want to manage. You keep your money where it is. You stay in control of every transaction. Model Investing shows you the current model recommendation each month.
Choose the account you want to manage first. That account type and available investment options usually determine which model fits best.
Built specifically for TSP participants using the G, F, C, S, and I Funds.
Built for workplace retirement plans with stock and bond fund options.
Built for personal accounts with broad stock and bond fund or ETF options.
For most IRA, Roth IRA, taxable brokerage, and HSA investors and for 529 plans with suitable investment options the Asset Rotation Model is generally the best model to use.
The Sector Rotation Model is an optional, more concentrated strategy for a portion of an eligible IRA, Roth IRA, or flexible brokerage account with access to sector ETFs or sector funds.
Learn More About the Sector Rotation ModelEach investment model is built around a different set of investment options.
A TSP account has a specific fund menu: G, F, C, S, and I Funds. That is why TSP investors usually use the TSP Allocation Model.
A workplace retirement plan, such as a 401(k), 403(b), or 457, usually has a limited menu of stock funds, bond funds, target-date funds, or stable value options. That is why these accounts usually use the 401(k) Allocation Model.
Personal accounts, such as IRAs, Roth IRAs, taxable brokerage accounts, HSAs, and 529 plans often provide broader access to stock and bond funds or ETFs. That is why the Asset Rotation Model is usually the best model for those accounts.
The Sector Rotation Model is different because it focuses on market sectors. It may be used when the account has access to sector ETFs or similar funds, often for only a portion of an IRA, Roth IRA, or flexible brokerage account.
Choosing a model and choosing your risk exposure are two different decisions.
Choose the model based on the account and available investment options. Then decide how much of the account or portfolio to place under the model’s recommendations. That allocation decision, not the model name alone, is how you set your overall exposure.
For example, one investor may apply a model to most of an account. Another investor may use the same model for only part of an account and keep the rest in cash, G Fund, Treasury bills, money market funds, stable value funds, or other lower-risk assets.
The TSP Allocation Model is designed for federal employees, uniformed service members, and other TSP participants. It provides monthly allocation guidance across the G, F, C, S, and I Funds.
This model may be a good fit if most of your retirement savings are inside the TSP and you want an alternative to guessing between funds, using a static allocation, or relying only on a Lifecycle Fund.
Best fit for: TSP accounts.
Learn More About the TSP Allocation Model
The 401(k) Allocation Model is designed for employer-sponsored retirement plans such as 401(k), 403(b), and 457 accounts.
Many workplace plans give investors a limited list of stock and bond funds. This model provides monthly allocation guidance for those plan options, helping investors make more disciplined allocation decisions inside the account they already use.
Need help identifying which funds in your plan correspond to the model? Model Investing can help you match your plan’s available investment options during the one-time setup.
If your workplace plan includes a brokerage window, you may also be able to use another model for that portion of the account, depending on the available investment choices.
Best fit for: 401(k), 403(b), and 457 accounts.
Learn More About the 401(k) Allocation Model
The Asset Rotation Model is usually the best model for personal accounts with broad asset-class investment options, such as IRAs, Roth IRAs, taxable brokerage accounts, HSAs, and 529 plans.
This model rotates between broad asset classes, such as stocks and bonds, using Model Investing’s rules-based process. Because it is designed with lower turnover than more active strategies, it may be especially useful in taxable brokerage accounts or accounts where taxes, trading flexibility, and implementation simplicity matter.
For 529 plans, the Asset Rotation Model may be appropriate when the plan offers suitable stock and bond investment options and the model can be implemented within the plan’s permitted number of allocation changes in a calendar year. Model recommendations are reviewed monthly, but account changes are only needed when the model allocation changes.
Best fit for: IRAs, Roth IRAs, taxable brokerage accounts, HSAs, and eligible 529 plans.
Learn More About the Asset Rotation Model
The Sector Rotation Model is a more concentrated, sector-focused model. It focuses on market sectors rather than broad asset classes.
This model may be used in accounts where sector ETFs or similar funds are available, most commonly in IRAs, Roth IRAs, or flexible brokerage accounts. Because it is more concentrated, many investors may choose to use it for a portion of an account rather than the entire account.
The Sector Rotation Model is not automatically the right choice simply because an investor wants more growth. First confirm that the account can implement the model. Then decide what portion of the account, if any, should be allocated to it.
Best fit for: Accounts with access to sector ETFs or sector funds.
Learn More About the Sector Rotation ModelYour membership includes:
You don’t transfer your money to Model Investing. You keep your accounts where they are and use the recommendations to guide your own allocation decisions.
“I relied on the Lifecycle Funds for years, but it wasn’t maximizing my returns. The TSP Allocation Model showed me how to adjust my strategy, and I’m already seeing better results.”
David Harris
Civil Engineer, DOT
“After 30 years of federal service, I needed a plan to protect my TSP. This model has done that while keeping my savings growing. It’s allowing me to truly enjoy retirement.”
Rachel Stevens
Retired USPS Letter Carrier
“Call me crazy, but I hate talking to financial advisors. I have a hard time trusting their advice because of all the conflicts of interest. This model is perfect, it gives me everything I need to manage my TSP.”
Michael Cartier
Signals Intelligence Analyst, USMC
“I thought sticking with the G Fund was the safest choice, but I was barely keeping up with inflation. Now I’ve found a much better balance of security and growth. And my portfolio is finally growing!”
Darren Brown
Delivery Supervisor, USPS
“I used to worry every time the market dipped, afraid my TSP would take a hit. Now, I follow the model’s guidance and no longer stress over short-term swings. Okay, maybe I stress a little, but it’s a lot less!”
Alex Vaughn
Financial Analyst
“Following the TSP Model was the smartest decision I’ve made for my retirement. For the last 4 years my returns have consistently outperformed the market, and I feel confident that will continue.”
Rebecca Hollis
Retirement Benefits Specialist, VA
“I didn’t realize my TSP was underperforming until I used this model. Now, I have a structured approach that keeps my savings growing without requiring a lot of attention. I’m free to focus on work and family.”
Travis Colson
Petty Officer 2nd Class, U.S. Navy
“When I started my federal job, I had no idea how to invest my TSP. This model appears to be a simple, effective strategy and so far I have zero complaints.”
Liam Sun
File Clerk, HHS
“I used to second-guess every investment decision, constantly worrying if I was doing enough. This model gave me a plan I trust, and that’s been life-changing.”
Mason Everett
Aviation Mechanic, USCG
“Using the 401(k) Allocation Model has been a game changer for me. The returns I’ve achieved since following the model have consistently exceeded my expectations, and I finally feel confident about my path to retirement.”
Jon Peterson
Corporate Manager
“The Model Investing team even prepared a customized matching diagram for my 401(k) plan, making it easy to align their recommendations with my plan options. I’ve seen a huge improvement since making the switch.”
Patricia Collins
Director of Marketing
“I used to feel overwhelmed trying to decide how to allocate my 401(k) investments. The monthly updates from the 401 Model make everything so straightforward, and I’ve been thrilled with the results.”
Jason Lee
IT Specialist
“I was blindly following target-date funds, but they weren’t aggressive enough for my situation. This model gave me the strategy I needed to accelerate my savings.”
Derek Johnson
Logistics Manager
“I used to avoid looking at my 401(k) because I didn’t know what to do. Now, I check in with confidence, knowing I have a solid plan in place. The team was so helpful getting me up and running, especially Cara.”
Jenny Foster
Patent Attorney
“I was making all the classic mistakes – being too conservative when I was younger and too aggressive as I neared retirement. This model helped me adjust my strategy the right way.”
Jessica Ramirez
HR Manager
“I used to think maxing out my 401(k) was enough. That’s until I realized I was leaving thousands on the table by not optimizing my allocations. This model transformed my thinking and now I’m not just saving blindly.”
Sam Levy
Ph.D. Candidate, USC
“After following this model for a few years, my 401(k) is in the best shape of my life. I’m ready for retirement! The best part is knowing I’ll be able to leave more for my kids and help secure their future, too.
Carlos Navarro
Inventory Manager II
“Switching to the Asset Rotation Model has been one of the best decisions I’ve made. It’s perfect for my taxable accounts because the low-turnover strategy minimizes short-term capital gains taxes.”
Michael Davis
Owner of Vetra LLC
“The ARM has been a lifesaver for my 529 plan. Since the plan limits how often I can make changes, the model’s approach fits perfectly. I’m confident my child’s education fund is in good hands with this strategy.”
Emily Chen
Working Mom
“Without access to an employer-sponsored retirement plan, I struggled to find a reliable way to save for retirement. The Asset Rotation Model fixed that. It’s become the backbone of my investment plan.”
Laurel Thompson
Digital Marketing Freelancer
“I was skeptical at first, but the Asset Rotation Model has really impressed me. It keeps my portfolio aligned with market trends without me having to constantly watch the market. Simple to follow and has delivered great results so far!”
Maren Winslow
Ethics Consultant
“After using the Asset Rotation Model for a few months, I can say it really works. It takes the stress out of deciding where to invest and keeps my portfolio on track without me having to constantly monitor the market. Wish I had found this sooner!”
Brent Calloway
UX Researcher
“I love that this model is based on data, not emotions. It keeps me disciplined and ensures I stay invested in the right assets over the long run.”
Aisha Nair
Sr. Software Engineer
“I needed a strategy that would help me preserve my retirement savings while still generating returns. This model has provided just that, giving me peace of mind.”
Gerald Sutton
Retiree
“The SRM has completely changed how I invest. Instead of passively holding broad-market funds, I now target the best-performing sectors each month. It’s made a world of difference!”
Dan Bennett
Tax Consultant
“I was struggling to outperform the market until I started using the SRM. Its sector-based approach has delivered results far beyond my expectations, and it’s been surprisingly simple to follow.”
Jenna Solia
Supply Chain Sr. Analyst
“I’ve combined the SRM with the ARM to take full advantage of both strategies. During volatile markets, the ARM provides a safety net, while the SRM helps me capture strong sector performance when markets are bullish.”
Emma Rodriguez
Event Planner
“I always heard that sector investing was a great strategy, but I never knew how to do it properly. The SRM changed that. It takes the guesswork out of investing and makes sure I stay away from dangerous pockets of the market.”
Robert Mitchell
Senior Accountant
“I used to waste hours reading financial news and still felt lost. The SRM does the hard work for me, and now my portfolio is thriving with minimal effort. I’ve been using it with the ARM.”
Kim Young
PR Specialist
“I used to chase trends without success. The SRM’s data-driven approach has aligned my investments with top-performing sectors consistently. I find this much more manageable than constantly picking stocks.”
Ben Clark
Graphic Designer
“Before the SRM, I was stuck in a buy-and-hold mentality, missing out on big opportunities. This model showed me how to be proactive without constantly trading.”
Arjun Patel
IT Consultant
Start with a free month. No upfront charges. No long-term commitment. Cancel anytime.
Explore each model’s historical performance, methodology, and risk metrics.
Don’t choose a model based only on historical return, drawdown, or standard deviation. Start with the model that fits your account type and investment options, then decide how much of the account or portfolio to allocate.
Start with the account you want to manage first. Use the account-type guidance above to choose the model that matches your available investment options.
Each month, review the current recommendation for the model you selected. If the recommendation has changed, follow the step-by-step tutorial to update your account.
You remain in control. Model Investing provides the recommendation, and you decide whether and how to apply it. You can follow the model-specific tutorials for step-by-step instructions on updating your account.
Questions before joining? Contact Us
Start your free month and get access to all four models. Once inside, you can review the models, choose the one that fits your account, and get help matching your available investment options if needed.
Start Your Free MonthStart with your account type. TSP investors usually use the TSP Allocation Model. Investors with a 401(k), 403(b), or 457 usually use the 401(k) Allocation Model. Investors with an IRA, Roth IRA, taxable brokerage account, HSA, or eligible 529 plan usually use the Asset Rotation Model. Sector Rotation may be considered for a portion of eligible accounts that can access sector funds or ETFs.
Start your free month and choose the model that fits your account type and investment options.
One membership gives you access to all four models, so you can choose the model that fits the account you want to manage first and explore the others as needed.
You keep your accounts where they are. You stay in control of every transaction. Model Investing gives you monthly, rules-based allocation guidance that you
can apply to the accounts you already use.
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