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ETF Model Portfolios · Model builder · Moderate band

Build an ETF model portfolio

Pick any ETFs with an ETFIQ page and set their weights. See the stocks, bonds and cash they hold, the blended fee, the largest holdings and overlap, and hypothetical returns beside the matched ETFIQ benchmark.

Share on X

In the year to Sep 30, 2026, 60% VTI and 40% BND returned +8.33%, hypothetical, against +8.93% for ETFIQ Strategic 60.

Growth of $10,000

Month-end values; trailing ranges end on Sep 30, 2026. Your model is hypothetical as a whole, dashed and shaded: your weights applied to past prices, reset every month end; Strategic 60 is the matched ETFIQ benchmark, hypothetical before its tracked date. Computed by ETFIQ from Tiingo daily prices.

Growth of $10,000 over 1Y, Sep 30, 2025 to Sep 30, 2026, month end to month end: Your model ends at $10,833, Strategic 60 at $10,893, both hypothetical.$11,435$10,838$10,240$9,642hypothetical · the current rule applied to past prices$10,833$10,8932025 Sep2025 Dec2026 Mar2026 Jun2026 Sep
Your modelStrategic 60, the benchmarkHypothetical
Value of $10,000 at six month ends from Sep 30, 2025 to Sep 30, 2026; the same numbers as the chart, both hypothetical.
Value onSep 30, 2025Nov 28, 2025Feb 27, 2026Apr 30, 2026Jul 31, 2026Sep 30, 2026
Your model$10,000$10,197$10,322$10,567$10,806$10,833
Reference$10,000$10,183$10,597$10,700$10,889$10,893
Growth of $10,000 over 3Y, Sep 29, 2023 to Sep 30, 2026, month end to month end: Your model ends at $15,144, Strategic 60 at $14,933, both hypothetical.$15,835$13,713$11,592$9,470hypothetical · the current rule applied to past prices$15,144$14,93320232024202520252026
Your modelStrategic 60, the benchmarkHypothetical
Value of $10,000 at six month ends from Sep 29, 2023 to Sep 30, 2026; the same numbers as the chart, both hypothetical.
Value onSep 29, 2023Apr 30, 2024Nov 29, 2024Jul 31, 2025Feb 27, 2026Sep 30, 2026
Your model$10,000$11,197$12,903$13,390$14,430$15,144
Reference$10,000$11,066$12,369$13,085$14,528$14,933
Growth of $10,000 over 5Y, Sep 30, 2021 to Sep 30, 2026, month end to month end: Your model ends at $14,230, Strategic 60 at $13,743, both hypothetical.$14,878$12,565$10,252$7,939hypothetical · the current rule applied to past prices$14,230$13,74320212022202420252026
Your modelStrategic 60, the benchmarkHypothetical
Value of $10,000 at six month ends from Sep 30, 2021 to Sep 30, 2026; the same numbers as the chart, both hypothetical.
Value onSep 30, 2021Sep 30, 2022Sep 29, 2023Sep 30, 2024Sep 30, 2025Sep 30, 2026
Your model$10,000$8,366$9,396$11,776$13,136$14,230
Reference$10,000$8,184$9,203$11,321$12,617$13,743
Growth of $10,000 over 10Y, Sep 30, 2016 to Sep 30, 2026, month end to month end: Your model ends at $24,427, Strategic 60 at $21,444, both hypothetical.$25,540$20,200$14,861$9,521hypothetical · the current rule applied to past prices$24,427$21,44420162019202120242026
Your modelStrategic 60, the benchmarkHypothetical
Value of $10,000 at six month ends from Sep 30, 2016 to Sep 30, 2026; the same numbers as the chart, both hypothetical.
Value onSep 30, 2016Sep 28, 2018Sep 30, 2020Sep 30, 2022Sep 30, 2024Sep 30, 2026
Your model$10,000$12,169$14,546$14,360$20,215$24,427
Reference$10,000$11,677$13,445$12,770$17,665$21,444
Growth of $10,000 over every month all the funds share, Jan 29, 2010 to Sep 30, 2026, month end to month end: Your model ends at $45,824, Strategic 60 at $33,720, both hypothetical.$47,913$35,132$22,352$9,572hypothetical · the current rule applied to past prices$45,824$33,72020102014201820222026
Your modelStrategic 60, the benchmarkHypothetical
Value of $10,000 at six month ends from Jan 29, 2010 to Sep 30, 2026; the same numbers as the chart, both hypothetical.
Value onJan 29, 2010May 31, 2013Sep 30, 2016Jan 31, 2020May 31, 2023Sep 30, 2026
Your model$10,000$14,526$18,760$25,778$30,070$45,824
Reference$10,000$13,159$15,725$20,335$22,608$33,720

Your model, fund by fund

FundNameWeightExpense ratioStocksBondsReturns from
VTIVanguard Morningstar Total Stock Market ETF60%0.03%99.78%0.00%Feb 2010
BNDVanguard Total Bond Market ETF40%0.03%0.00%96.65%Feb 2010
Weights are yours, each over their total. Fees are each fund’s prospectus figure; stocks and bonds are % of each fund’s net assets on its latest N-PORT.

What it holds, looked through

AssetShare of the model
Stocks59.87%
Bonds38.66%
Cash and other1.47%
Not measured0.00%
Stocks are common stock in % of each fund’s net assets on its latest N-PORT, counted through the funds it holds where ETFIQ reads them. Bonds are real bonds only, dated debt maturing more than 397 days after the report date, as the Allocation rule counts them. Cash and other is the rest: cash, bills and short debt, preferred shares and commodities. Not measured is a fund with no published stock share, bonds not yet read and held funds not read through. Each times its weight.

Hypothetical total returns

WindowFromToYour modelETFIQ Strategic 60Difference, points
Year to dateDec 31, 2025Oct 9, 2026+7.88%*+7.49%*+0.39
1 yearSep 30, 2025Sep 30, 2026+8.33%*+8.93%*−0.60
3 years, a yearSep 29, 2023Sep 30, 2026+14.84%*+14.30%*+0.54
5 years, a yearSep 30, 2021Sep 30, 2026+7.31%*+6.57%*+0.74
*Hypothetical: your weights applied to past prices, reset every month end. The benchmark’s figures are its own, published on its page; the difference is the two printed figures subtracted, in percentage points. 3Y and 5Y are a year. Total returns are market price with distributions reinvested, net of each fund’s own fees, with nothing else deducted. Data sourced by Tiingo.

Blended fee

FigureValue
Weighted expense ratio, a year0.03%
The same on $10,000, a year$3.00
Each fund’s expense ratio times its weight. It is already inside the returns above.

Largest holdings, looked through

HoldingTickerShare of the modelHeld through
NVIDIA CorpNVDA4.13%VTI
Apple IncAAPL3.78%VTI
Microsoft CorpMSFT3.06%VTI
Amazon.com IncAMZN2.04%VTI
Alphabet IncGOOGL1.62%VTI
Broadcom IncAVGO1.43%VTI
Alphabet IncGOOG1.27%VTI
Meta Platforms IncMETA1.02%VTI
Micron Technology IncMU0.88%VTI
Tesla IncTSLA0.84%VTI
Eli Lilly & CoLLY0.80%VTI
JPMorgan Chase & CoJPM0.78%VTI
Berkshire Hathaway Inc0.74%VTI
Advanced Micro Devices IncAMD0.62%VTI
ExxonMobil Holdings CorpXOM0.54%VTI
Each fund’s published holdings times its weight; rows that share an identifier, ticker or name are one holding. Books cover 100.00% of the model.

How much the funds overlap

PairShared weight
VTI and BND0%
The weight two funds hold in the same securities, each holding counted at the smaller of its two weights: the overlap the portfolio desk prints.
How the model is computed

Your weights are applied to each fund’s monthly total return and reset at every month end, the ETFIQ benchmarks’ monthly rule, so a month’s return is the weighted sum of the funds’ returns that month. Fund fees are inside each return; nothing else is deducted. Total returns are market price with distributions reinvested, net of each fund’s own fees, with nothing else deducted. The price source does not carry funds that closed before 2016, so nothing here is free of survivorship bias. Built from the funds and weights you chose. Not investment advice: ETFIQ does not know your circumstances and recommends no portfolio. The benchmarks’ method →

Where to next
Every model portfolio, side by side→Every model comparison→Every ETFIQ benchmark→What a portfolio of ETFs owns, protects and pays→How the benchmarks are built→

Questions people ask about the model builder

What does the model builder compute?
For the ETFs and weights you choose: the share in stocks, real bonds and cash, looked through to each fund’s filing; the weighted expense ratio; the largest holdings and the overlap between the funds; and total returns over the year to date, 1, 3 and 5 years, beside the ETFIQ benchmark for the model’s stock share.
Why are the returns hypothetical?
They apply today’s weights to past prices, reset at every month end, the monthly rule the ETFIQ benchmarks use. Nobody held this model over those years, so every return is marked hypothetical.
Which benchmark is a model set beside?
ETFIQ Strategic at the point of the allocation band the model’s stock share falls in: more than 15% and up to 30% stocks is Strategic 20, then 40, 60, 80 and 95. Every fund needs a published stock share for the band to be measured.
Is this investment advice?
No. The model is the funds and weights you chose; ETFIQ applies them to published data and recommends no portfolio. It does not know your circumstances.
Cite this page

ETFIQ, ETF model portfolio builder: returns, fees, overlap, data as of Oct 9, 2026. https://etfiq.com/models/build/

Open data →

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms. The underlying files are at Open data. Every return of a model built here is hypothetical.

Sources and credit
Prices and distributions, every fund the benchmarks holdData sourced by Tiingo · end of day · Oct 9, 2026The risk-free rate, for the Sharpe ratioU.S. Treasury daily bill ratesEach fund’s holdings book, as its issuer or filing publishes itEach fund’s holdings book, as its issuer or filing publishes itThe builder’s files: its index and each fund’s monthly returnsThe builder’s files: its index and each fund’s monthly returns

Computed by ETFIQ from Tiingo daily prices. Data sourced by Tiingo.