{"url":"https://etfiq.com/models/build/","section":"models","title":"ETF model portfolio builder: returns, fees, overlap | ETFIQ","description":"In the year to Sep 30, 2026, 60% VTI and 40% BND returned +8.33%, hypothetical, against +8.93% for ETFIQ Strategic 60.","as_of":"Oct 9, 2026","structured_data":[{"@type":"WebApplication","name":"ETFIQ model portfolio builder","url":"https://etfiq.com/models/build/","applicationCategory":"FinanceApplication","operatingSystem":"Any","browserRequirements":"The default model is static HTML; the controls need JavaScript.","isAccessibleForFree":true,"offers":{"@type":"Offer","price":"0","priceCurrency":"USD"},"description":"In the year to Sep 30, 2026, 60% VTI and 40% BND returned +8.33%, hypothetical, against +8.93% for ETFIQ Strategic 60.","dateModified":"2026-10-09"},{"@type":"Dataset","name":"Model builder: the funds it picks from and their monthly returns","description":"Every fund with an ETFIQ page: expense ratio, look-through mix and monthly total returns, computed by ETFIQ from Tiingo daily prices.","url":"https://etfiq.com/models/build/","dateModified":"2026-10-09","isAccessibleForFree":true,"creditText":"ETFIQ (etfiq.com)","distribution":[{"@type":"DataDownload","encodingFormat":"application/json","contentUrl":"https://etfiq.com/data/modelhub/builder.json"}],"license":"https://etfiq.com/license/","creator":{"@id":"https://etfiq.com/#org"},"publisher":{"@id":"https://etfiq.com/#org"},"inLanguage":"en","creativeWorkStatus":"Published"},{"@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What does the model builder compute?","acceptedAnswer":{"@type":"Answer","text":"For the ETFs and weights you choose: the share in stocks, real bonds and cash, looked through to each fund\u2019s 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\u2019s stock share."}},{"@type":"Question","name":"Why are the returns hypothetical?","acceptedAnswer":{"@type":"Answer","text":"They apply today\u2019s 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."}},{"@type":"Question","name":"Which benchmark is a model set beside?","acceptedAnswer":{"@type":"Answer","text":"ETFIQ Strategic at the point of the allocation band the model\u2019s 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."}},{"@type":"Question","name":"Is this investment advice?","acceptedAnswer":{"@type":"Answer","text":"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."}}]},{"@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"ETFIQ","item":"https://etfiq.com/"},{"@type":"ListItem","position":2,"name":"ETF Models","item":"https://etfiq.com/models/"},{"@type":"ListItem","position":3,"name":"Model builder","item":"https://etfiq.com/models/build/"}]},{"@type":"WebPage","name":"ETF model portfolio builder: returns, fees, overlap","description":"In the year to Sep 30, 2026, 60% VTI and 40% BND returned +8.33%, hypothetical, against +8.93% for ETFIQ Strategic 60.","url":"https://etfiq.com/models/build/","dateModified":"2026-10-09","isPartOf":{"@type":"WebSite","name":"ETFIQ","url":"https://etfiq.com"},"speakable":{"@type":"SpeakableSpecification","cssSelector":[".verdict",".lede",".faq"]},"publisher":{"@id":"https://etfiq.com/#org"}}],"characters":7065,"truncated":false,"content":"ETFIQ / ETF Models / Model builder \n \n Rebuilt every trading night. Figures as of Oct 9, 2026; trailing windows end at the last month end, Sep 30, 2026.\n Build an ETF model portfolio\n 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.\n 59.87% Stocks, looked through \n 0.03% Blended fee, a year \n +8.33%* 1 year, hypothetical \n\n In the year to Sep 30, 2026, 60% VTI and 40% BND returned +8.33%, hypothetical, against +8.93% for ETFIQ Strategic 60.\n ETFIQ Strategic, 60% stocks: launched on Oct 3, 2026, when ETFIQ froze its rule. Figures before Oct 5, 2026 are hypothetical: today\u2019s rule and funds applied to earlier prices, which is look-ahead. From Oct 5, 2026 the record is tracked, and a window that starts before it is hypothetical as a whole.\n Your model, fund by fund\n Weights are yours, each over their total. Fees are each fund\u2019s prospectus figure; stocks and bonds are % of each fund\u2019s net assets on its latest N-PORT.\n The funds in the model, their weights and what each holds, as of Oct 9, 2026. Fund Name Weight Expense ratio Stocks Bonds Returns from \n VTI Vanguard Morningstar Total Stock Market ETF 60% 0.03% 99.78% 0.00% Feb 2010 \n BND Vanguard Total Bond Market ETF 40% 0.03% 0.00% 96.65% Feb 2010 \n\n What it holds, looked through\n Stocks are common stock in % of each fund\u2019s 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.\n The model\u2019s stocks, real bonds, cash and other, in % of the model. Asset Share of the model \n Stocks 59.87% \n Bonds 38.66% \n Cash and other 1.47% \n Not measured 0.00% \n\n Hypothetical total returns\n *Hypothetical: your weights applied to past prices, reset every month end. The benchmark\u2019s 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\u2019s own fees, with nothing else deducted. Data sourced by Tiingo .\n Total returns of the model and its matched benchmark; trailing windows to Sep 30, 2026, the year to date to Oct 9, 2026. Window From To Your model ETFIQ Strategic 60 Difference, points \n Year to date Dec 31, 2025 Oct 9, 2026 +7.88%* +7.49%* +0.39 \n 1 year Sep 30, 2025 Sep 30, 2026 +8.33%* +8.93%* \u22120.60 \n 3 years, a year Sep 29, 2023 Sep 30, 2026 +14.84%* +14.30%* +0.54 \n 5 years, a year Sep 30, 2021 Sep 30, 2026 +7.31%* +6.57%* +0.74 \n\n Blended fee\n Each fund\u2019s expense ratio times its weight. It is already inside the returns above.\n The weighted expense ratio of the model, from each fund\u2019s prospectus. Figure Value \n Weighted expense ratio, a year 0.03% \n The same on $10,000, a year $3.00 \n\n Largest holdings, looked through\n Each fund\u2019s published holdings times its weight; rows that share an identifier, ticker or name are one holding. Books cover 100.00% of the model.\n The 15 largest holdings of the model, in % of the model. Holding Ticker Share of the model Held through \n NVIDIA Corp NVDA 4.13% VTI \n Apple Inc AAPL 3.78% VTI \n Microsoft Corp MSFT 3.06% VTI \n Amazon.com Inc AMZN 2.04% VTI \n Alphabet Inc GOOGL 1.62% VTI \n Broadcom Inc AVGO 1.43% VTI \n Alphabet Inc GOOG 1.27% VTI \n Meta Platforms Inc META 1.02% VTI \n Micron Technology Inc MU 0.88% VTI \n Tesla Inc TSLA 0.84% VTI \n Eli Lilly & Co LLY 0.80% VTI \n JPMorgan Chase & Co JPM 0.78% VTI \n Berkshire Hathaway Inc 0.74% VTI \n Advanced Micro Devices Inc AMD 0.62% VTI \n ExxonMobil Holdings Corp XOM 0.54% VTI \n\n How much the funds overlap\n 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.\n Overlap between each pair of the model\u2019s funds with a published book. Pair Shared weight \n VTI and BND 0% \n\n Questions people ask\n 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\u2019s 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\u2019s stock share. Why are the returns hypothetical? They apply today\u2019s 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\u2019s 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. Your weights are applied to each fund\u2019s monthly total return and reset at every month end, the ETFIQ benchmarks\u2019 monthly rule, so a month\u2019s return is the weighted sum of the funds\u2019 returns that month. Fund fees are inside each return; nothing else is deducted. The price source does not carry funds that closed before 2016, so nothing here is free of survivorship bias. Data sourced by Tiingo .\n Built from the funds and weights you chose. Not investment advice: ETFIQ does not know your circumstances and recommends no portfolio.\n Where these figures came from\n Data sourced by Tiingo U.S. Treasury daily bill rates, for the Sharpe ratio Each fund\u2019s holdings book, as its issuer or filing publishes it The builder\u2019s files: its index and each fund\u2019s monthly returns Where to next\n 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 ETFIQ is an independent publisher of exchange-traded fund data. It is not a fund issuer, broker-dealer or investment adviser, takes no payment from issuers, and makes no recommendations.\n \n Cite this page. ETFIQ, ETF model portfolio builder: returns, fees, overlap, data as of Oct 9, 2026. https://etfiq.com/models/build/ Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms. The underlying files are at Open data .\n Other forms Plain ETFIQ, ETF model portfolio builder: returns, fees, overlap, data as of Oct 9, 2026. https://etfiq.com/models/build/ APA ETFIQ. (Oct 9, 2026). ETF model portfolio builder: returns, fees, overlap. Retrieved from https://etfiq.com/models/build/ Markdown [ETF model portfolio builder: returns, fees, overlap (ETFIQ, Oct 9, 2026)](https://etfiq.com/models/build/)","source":"ETFIQ, independent ETF data. Recomputed nightly from public filings and prices.","publisher":{"@id":"https://etfiq.com/#org","name":"ETFIQ","url":"https://etfiq.com"},"license":"https://etfiq.com/license/","license_text":"Figures ETFIQ computes are free to use with attribution: ETFIQ (etfiq.com). Issuer data stays under its owner's terms.","citation":"ETFIQ, ETF model portfolio builder: returns, fees, overlap, data as of Oct 9, 2026. https://etfiq.com/models/build/"}