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
See example funds
Review sleeves and example funds/ETFs mapped to your plan. No options chains required.
Tools
Ghost Allocator
Build a plan-aware allocation using your 457 options. Works with Voya core funds and Schwab ETFs.
Build My Portfolio →GhostRegime
Daily regime classification and rules-based exposure overlay. Shows targets vs actuals based on market conditions.
Open GhostRegime →Model Portfolios
Coming SoonCurated templates that combine Ghost Allocator planning with GhostRegime signals for simple rebalance guidance.
View Models →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.