Component Portfolio Allocations
The table below shows Component portfolio allocations for each of the Club portfolios.

Component Portfolio Descriptions
The allocations to each Component portfolio in a Club portfolio can be tailored for different withdrawal and inflation scenarios:

1. VTI_AGG: Consists of VTI and AGG. The allocation to AGG varies from 20% to 80% depending on market conditions.
2. Blend_AGG: Consists of ten benchmark ETFs (SPY, RSP, IVE, VXF, VTI, VIG, VYM, VNQ, VEA, VWO), and AGG. The allocation to AGG varies from 20% to 80% depending on market conditions with equal dollar weighting for the benchmark ETFs.
3. Income_AGG: Consists of eight benchmark ETFs (VIG, VYM, DVY, SDY, VNQ, LQD, PFF, DNL), and AGG. The allocation to AGG varies from 20% to 80% depending on market conditions with equal dollar weighting for the benchmark ETFs.
4. Bond_AGG: Consists of two benchmark ETFs (LQD, BND), and AGG. The allocation to AGG varies from 20% to 80% depending on market conditions with equal dollar weighting for the benchmark ETFs.
5. Secure: Intended to secure capital while generating modest growth through a combination of ETFs and their associated options.
6. Options_Sectors: Intended to generate income from options strategies. 20% of the portfolio is allocated to Sector options and the balance is allocated to Cash.
7. Options_Indices: Intended to generate income from options strategies. 20% of the portfolio is allocated to Index options and the balance is allocated to Cash.

The market conditions are quantified using a combination of volatility, price momentum of bonds relative to stocks, stock valuation relative to other asset classes, and the index of leading economic indicators.