System1a uses Vanguard’s Total Bond Market Index Fund and Total Stock Market Index Fund in combination, echoing the broad based Index approach. Best for the investors that do not want to give too much attention to their investments.
System2a uses six actively managed Vanguard funds with allocations optimized to produce the highest long-term return. Over the last 5 years this system has under-performed System1a and System3a.
System3a uses three actively managed Vanguard funds with allocations optimized to produce high long-term returns and high short returns. This system has a high allocation to the Vanguard Health Care Fund.