Build a modern portfolio for a post-60/40 world.
Pension-aware portfolio templates for your 457. Works with Voya core funds and Schwab ETFs — no options chains, no jargon. We're trying to be roughly right, not perfectly wrong.
How it works
Step 1
Answer a few questions
Tell us about your situation, risk tolerance, and whether you have a pension or other income floor.
Step 2
Get your allocation
Ghost Allocator designs a post-60/40 Ghost sleeve allocation tailored to your risk band and regime.
Step 3
Review + Monitor
See example funds/ETFs, then use GhostRegime as a weekly "weather report" to track risk posture.
Open GhostRegime →Alerts are coming. For now: check GhostRegime weekly.
Tools
Ghost Allocator
Build a plan-aware allocation using your 457 options. Works with Voya core funds and Schwab ETFs.
Build My Portfolio →GhostRegime
A weekly "weather report" for your portfolio. It tells you when to stay aggressive and when to play defense — based on market behavior, not vibes.
Check GhostRegime →Model Portfolios
Don't want the questionnaire? Pick a Conservative / Moderate / Aggressive template and implement it with your plan options.
View templates →▶Drawdown Reality Check (why rules beat vibes)
Disciplined risk management isn't optional. A rules-based process helps capture upside and limit downside when markets inevitably get ugly.
- 1929–1932: U.S. stocks (Dow) fell about 89%, and it took until 1954 to regain the 1929 high.
- Dot-com (2000–2002): Nasdaq-100 fell about 82%, and didn't fully recover until 2015.
- GFC (2007–2009): S&P 500 fell about 57% from peak to trough, and cleared the 2007 closing high in 2013.
Not a crystal ball. We're not trying to nail the exact top or bottom. Also: this isn't designed to save you from every little 2–5% market faceplant. It's built for the bigger stuff — the 20% corrections — and to help you catch most of the bull market with rules-based trend signals.