Ghost Allocator – Post-60/40 Portfolio Builder
Ghost Allocator is a pension-aware, 457-aware portfolio builder for a post-60/40 world. It maps a modern sleeve-based allocation onto your real 457 plan options—Voya core funds and Schwab ETFs via BrokerageLink. The goal is roughly right, not perfectly wrong: a portfolio that accounts for your pension floor and doesn't require options chains or complex derivatives.
Features
- •Pension / income-floor aware intake – Accounts for your pension as a floor, so the allocation doesn't over-allocate to bonds you don't need.
- •Sleeve-based allocation (post-60/40) – Modern portfolio structure that moves beyond the traditional 60/40 split, organized into risk sleeves.
- •Plan mapping for Voya core funds + Schwab ETFs/BrokerageLink – Translates the sleeve model into actual funds available in your 457 plan, including BrokerageLink options.
- •No options chains / minimal jargon – Built for people who want a modern allocation without derivatives complexity or financial advisor speak.