Retiring 2020
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Retiring 2020

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Take Aim At Your Future

Here’s the good news: We’re living longer than ever, with the average life expectancy for US citizens now above 78 years [1]. However, that also means more of our lives are lived after our careers are over. That’s making it increasingly important for investors to start investing for life after retirement – and to make plans for when that retirement will begin. The Retiring 2020 motif is a multi-asset investment vehicle for individuals planning to retire during or near 2020. Since prospective investors of this motif are less than 10 years from retirement, this motif holds a higher proportion of short-term bonds and inflation-linked securities. As 2020 draws closer, investors may choose to follow a yearly update that incrementally moves the motif’s capital toward short-term bonds in an attempt to further reduce the risk profile. However, investors should be aware there will continue to be some risk exposure to US and international equities even beyond the target date. Based on its current holdings, this motif has a composite expense ratio of 0.21%. See more
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Motif Index 1 YR Return
Retiring 2020 Benchmark
With this Motif, you can buy the following basket of stocks for just $9.95:
Weight Segment & Stocks Symbol 1 MO / 1 YR Return
31.9% US Bonds 1.9%
16.2% Schwab Intermediate Term U.S. Treasury ETF SCHR 2.8%
9.5% Vanguard Short Term Corporate Bond Index ETF VCSH 1.3%
2.2% iShares Barclays Agency Bond ETF AGZ 1.9%
2.1% SPDR Nuveen Barclays Capital Short Term Municipal Bond ETF SHM 0.7%
2.0% SPDR Barclays Capital Short Term High Yield Bond ETF SJNK 1.6%
23.1% International Bonds 3.1%
23.1% Vanguard Total International Bond Index ETF BNDX 3.1%
16.8% US Equities 8.5%
3.3% Vanguard Information Technology ETF VGT 10.6%
2.9% Vanguard Financials ETF VFH 9.6%
2.4% Vanguard Health Care ETF VHT 24.6%
2.3% Vanguard Consumer Discretionary ETF VCR 15.0%
1.8% Vanguard Industrials ETF VIS 1.8%
1.5% Vanguard Consumer Staples ETF VDC 10.5%
1.2% Vanguard Energy ETF VDE 25.0%
0.6% Vanguard Materials ETF VAW 2.3%
0.5% Vanguard Utilities ETF VPU 0.8%
0.3% Vanguard Telecommunication Services ETF VOX 1.0%
14.4% International Equities 4.3%
6.5% Vanguard MSCI Emerging Markets ETF VWO 3.7%
5.1% Vanguard MSCI Europe ETF VGK 7.4%
2.7% Vanguard FTSE Pacific ETF VPL 0.2%
6.6% T-bills 0.0%
6.6% iShares Barclays Short Treasury Bond ETF SHV 0.0%
5.7% Real Estate 4.7%
5.7% iShares Trust DJ US Real Estate Index Fund IYR 4.7%
1.5% Commodities 38.2%
1.5% iShares S&P GSCI Commodity-Indexed Trust ETF GSG 38.2%