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 builds a post-60/40 sleeve allocation from your risk band and implementation choices.
Step 3
Review + Monitor
See example funds/ETFs, then use GhostRegime as a weekly "weather report" to track risk posture.
Open GhostRegime →For now, GhostRegime is a manual check-in.
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" with KISS-style regime targets and proxy-VAMS sleeve scaling—rules-based, not copied external daily labels.
Check GhostRegime →GhostYield
Compare yield-producing sleeves by income source, NAV behavior, distribution quality, and risk flags before adding them around an existing portfolio.
Open GhostYield →GhostFlow
Research gaugeA passive pressure and market-structure fragility dashboard watching ETF flows, passive share, index concentration, volatility mechanics, systematic-flow proxies, and the slow erosion of price discovery.
Not a crash predictor. A plumbing monitor for a market where autopilot keeps reaching for the wheel.
Open GhostFlow →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)
Rules make exposure changes explicit before markets get stressful. They do not eliminate losses or guarantee better outcomes.
- 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. GhostRegime is designed to make risk posture and sleeve exposure rules explicit as market conditions change. It does not call tops, bottoms, or guarantee protection from drawdowns.