Model Fund Portfolio
InvesTech’s Model Fund Portfolio
The InvesTech Model Fund Portfolio is designed for individual investors who want to follow our allocation and sector recommendations for the equity portion of their portfolio. We do not attempt to “time” the market. Instead, we utilize an array of macroeconomic, technical, and fundamental indicators, some of which are proprietary, to monitor the long-term health of the market and manage risk by adjusting our allocation as evidence develops. We are unable to provide specific recommendations outside of the Model Fund Portfolio as we are not a registered investment advisor and are unable to provide individual investment advice. Please read our important disclosures for more information.
Track Portfolio Changes
Subscribers who follow the Model Fund Portfolio can track the trades we’re making in real-time as we implement our “safety-first” strategy. Changes will be announced here first and an email alert will be sent to subscribers notifying them of the change. Please ensure we have your current email address and that you are signed up to receive email notifications, you can confirm in the My Account area.
Historical Performance
At InvesTech, we proactively manage risk by navigating changing market environments, informed by our 45+ year track record. InvesTech’s A “Safety-First” Strategy Built for Long-Term Success report, which includes the historical performance of the InvesTech Model Fund Portfolio, is available upon request (updated quarterly).
View Most Recent Change:
August 4, 2026
August 4, 2026
August 4, 2026: We recommend the following changes…
International stocks continue to trade at a significant discount relative to U.S. equities, offering a more compelling margin of safety at a time when the domestic market remains historically expensive. Additionally, an allocation to international value provides greater diversification and resilience by reducing exposure to the highly concentrated Artificial Intelligence (AI) theme that dominates the S&P 500. As a result, we are recommending the following change to our Model Fund Portfolio:
- Initiate a 3% position in the Schwab Fundamental International Equity ETF (Symbol: FNDF). This fund provides diversified exposure to the international equity market with an emphasis on key company fundamentals. The strategy weighs holdings based on factors such as sales, cash flow, dividends, and valuation creating an opportunistic way to invest internationally while still maintaining a value and quality focus. In fact, FNDF has a significantly lower P/E ratio of less than 17x while the S&P 500 trades at a very expensive 26x. Furthermore, AI heavy Information Technology and Communication Services sectors make up almost 50% of U.S. Indexes, while FNDF has only 16% in these areas. In contrast, key themes overseas include real assets, industrial modernization, defense, and capitalizing on the strength of a global consumer.
Following this change, the Model Fund Portfolio is comprised of 59.5% long positions, 5% in an inverse index ETF, 5% in an intermediate Treasury ETF, and 30.5% cash held in short-term Treasurys or a money market fund. This results in 54.5% net equity exposure.
New Subscribers and Our Portfolio
We currently advise new subscribers or subscribers with new money to bring their portfolio in line with our recommended allocation by phasing into the market over approximately two months; however, purchases made after our initial recommendation must be made at your discretion.
For more detailed information on aligning your portfolio to ours, please read the following article: How to Use the Model Fund Portfolio.
