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  • Schwab Mutual Funds Beat out ETFs

    04/06/2011

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    Retirement investing is a "hair on fire" problem -- especially for baby boomers for whom retirement is a near and present danger. There is a real lack of consistent, unbiased information that a retiree can use to help improve risk adjusted returns. Blogger Jenny Hollingworth has been teaching herself about investing and has come to the point where she is going to choose a plan and make her first investments.

    In her recent post New Steps she sorted through a list of alternatives and chose the Schwab OneSource Select List Funds.

    The reason for her choice was:

    • The highest possible rating for each plan is 5 stars.  So I bypassed anything that didn’t have 5 (because really, why go for less?)
    • Picked out a name I knew: Schwab.  Specifically: Schwab OneSource Select List Funds. I selected it.  
    • This is an application to Charles Schwab's OneSource Select List mutual funds. These funds are  No Load and No Transaction Fee (NTF) mutual funds. Based on Schwab's policy, the no load NTF funds have 90 days redemption fee period. As of 1/1/2010, there are total  140 OneSource Select List funds available from Schwab.

    We are going to review the Schwab OneSource Select List Funds  to see whether she chose a good plan. The plan consists of 137 funds. These funds enable participants to gain exposure to 6 major assets: US Equity, Commodity, Foreign Equity, REITs, Emerging Market Equity, Fixed Income.

     

    Asset Class Ticker Name
    LARGE VALUE AAGPX American Beacon Lg Cap Value Inv
    Foreign Large Value AAIPX American Beacon Intl Equity Inv
    Retirement Income AANPX American Beacon Retire Inc & Apprec Inv
    High Yield Muni ABHYX American Century High-Yield Muni Inv
    Inflation-Protected Bond ACITX American Century Infl-Adj Bond Inv
    Muni National Long ACLVX American Century Long-Term Tax-Free Inv
    MID-CAP VALUE ACMVX American Century Mid Cap Value Inv
    Conservative Allocation AONIX American Century One Choice: Vry Cnsrv I
    MID-CAP VALUE ARDEX Aston/River Road Dividend All Cap Val N
    Target Date 2011-2015 ARFIX American Century LIVESTRONG 2015 Inv
    Retirement Income ARTOX American Century LIVESTRONG Inc Inv
    Target Date 2021-2025 ARWIX American Century LIVESTRONG 2025 Inv
    Target Date 2031-2035 ARYIX American Century LIVESTRONG 2035 Inv
    SMALL VALUE AVPAX American Beacon Small Cp Val Inv
    EUROPE STOCK AXEAX Threadneedle European Equity A
    Muni National Interm BMBSX Baird Intermediate Muni Bd Inv
    Technology BOGSX Black Oak Emerging Technology
    Small Growth BSCFX Baron Small Cap
    Moderate Allocation BUFBX Buffalo Balanced
    Technology BUFTX Buffalo Science & Technology
    DIVERSIFIED EMERGING MKTS CEMVX Causeway Emerging Markets Investor
    MID-CAP BLEND CHTTX Aston/Optimum Mid Cap N
    Intermediate Government CPTNX American Century Government Bond Inv
    Small Growth CSMVX Century Small Cap Select Inv
    REAL ESTATE CSRSX Cohen & Steers Realty Shares
    Long-Short CVSIX Calamos Market Neutral Income A
    SMALL BLEND DISSX Dreyfus Small Cap Stock Index
    Bank Loan EABLX Eaton Vance Floating Rate Adv
    Conservative Allocation EXDAX Manning & Napier Pro-Blend Cnsrv Term S
    Foreign Large Blend EXWAX Manning & Napier World Opportunities A
    Moderate Allocation FAGSX First American Strat Growth Allc A
    Financial FBRSX FBR Small Cap Financial
    ULTRASHORT BOND FEUGX Federated Adjustable Rate Secs Instl
    Intermediate Government FICMX Federated Income Instl
    Muni National Interm FIMTX Federated Intermediate Municipal Instl
    LARGE BLEND FMIHX FMI Large Cap
    Long-Short FMLSX Wasatch-1st Source Long/Short
    SHORT GOVERNMENT FSGVX Federated US Govt 1-3 Yr Instl
    Muni Short FSHIX Federated Shrt-Interm Dur Muni Instl
    Short-Term Bond FSTIX Federated Short-Term Income Instl
    Intermediate-Term Bond FTRFX Federated Total Return Bond Instl Svc
    SMALL BLEND GABSX Gabelli Small Cap Growth AAA
    Communications GABTX GAMCO Global Telecommunications AAA
    LARGE GROWTH HCAIX Harbor Capital Appreciation Inv
    Foreign Large Blend HIINX Harbor International Inv
    WORLD STOCK HLMGX Harding Loevner Global Equity Advisor
    Foreign Large Growth HLMNX Harding Loevner International Equity Inv
    Equity Energy ICENX ICON Energy S
    China Region ICHKX Guinness Atkinson China & Hong Kong
    LARGE VALUE INDZX RiverSource Diversified Equity Inc A
    Moderate Allocation JABAX Janus Balanced T
    Health JAGLX Janus Global Life Sciences T
    LARGE GROWTH JAMRX Janus Research T
    Small Growth JATTX Janus Triton T
    Foreign Large Blend JETAX Artio International Equity II A
    Target Date 2021-2025 JNSAX JPMorgan SmartRetirement 2025 A
    LARGE BLEND JRMSX INTECH Risk-Managed Core T
    Target Date 2011-2015 JSFAX JPMorgan SmartRetirement 2015 A
    Target Date 2026-2030 JSMAX JPMorgan SmartRetirement 2030 A
    Target Date 2016-2020 JTTAX JPMorgan SmartRetirement 2020 A
    LARGE BLEND JUEAX JPMorgan US Equity A
    LARGE VALUE JVLAX JHancock3 Disciplined Value A
    Small Growth KGSCX Kalmar Growth-with-Value Small Cap
    LARGE GROWTH LGILX Laudus Growth Investors US Large Cap Gr
    WORLD BOND LIFNX Laudus Mondrian Intl Fixed Income
    Foreign Large Blend LISOX Lazard Intl Strategic Equity Open
    Multisector Bond LSBRX Loomis Sayles Bond Retail
    DIVERSIFIED PACIFIC/ASIA MAPIX Matthews Asia Pacific Equity Income
    PACIFIC/ASIA EX-JAPAN STK MAPTX Matthews Pacific Tiger Investor
    China Region MCHFX Matthews China Investor
    Muni National Interm MITFX Marshall Intermediate Tax-Free Inv
    JAPAN STOCK MJFOX Matthews Japan Investor
    Foreign Large Blend MKIEX McKee International Equity Instl
    DIVERSIFIED PACIFIC/ASIA MPACX Matthews Asia Pacific Investor
    High Yield Bond MWHYX Metropolitan West High Yield Bond M
    Short-Term Bond MWLDX Metropolitan West Low Duration Bond M
    Intermediate-Term Bond MWTRX Metropolitan West Total Return Bond M
    MID-CAP BLEND NMMCX Northern Multi-Manager Mid Cap
    SMALL VALUE NOSGX Northern Small Cap Value
    Muni National Long NOTEX Northern Tax-Exempt
    Small Growth NSPAX ING Small Cap Opportunities A
    Foreign Small/Mid Value OAKEX Oakmark International Small Cap I
    WORLD STOCK OAKGX Oakmark Global I
    COMMODITIES BROAD BASKET PCRDX PIMCO Commodity Real Ret Strat D
    Emerging Markets Bond PEMDX PIMCO Emerging Markets Bond D
    LARGE BLEND PEOPX Dreyfus S&P 500 Index
    WORLD BOND PFODX PIMCO Foreign Bond (USD-Hedged) D
    Intermediate-Term Bond PGBOX JPMorgan Core Bond A
    Multisector Bond PONDX PIMCO Income D
    LARGE BLEND PRBLX Parnassus Equity Income - Inv
    Inflation-Protected Bond PRRDX PIMCO Real Return D
    SMALL VALUE PSOAX JPMorgan Small Cap Value A
    Intermediate-Term Bond PTTDX PIMCO Total Return D
    SMALL BLEND RYTFX Royce Total Return Svc
    Intermediate-Term Bond SAMIX RidgeWorth Intermediate Bond I
    Foreign Large Blend SICNX Schwab International Core Equity Inst
    Foreign Large Blend SIEIX RidgeWorth Intl Equity Index I
    ULTRASHORT BOND SIGVX RidgeWorth US Gov Sec Ultra-Short Bd I
    Target Date 2031-2035 SRJAX JPMorgan SmartRetirement 2035 A
    DIVERSIFIED EMERGING MKTS SSEMX SSgA Emerging Markets Instl
    High Yield Bond STHTX RidgeWorth High Income I
    Muni National Interm STTBX RidgeWorth Investment Grade T/E Bond I
    LARGE BLEND SWANX Schwab Core Equity Inv
    Global Real Estate SWASX Schwab Global Real Estate Select
    Target Date 2026-2030 SWDRX Schwab Target 2030
    LARGE VALUE SWDSX Schwab Dividend Equity
    Financial SWFFX Schwab Financial Services
    Target Date 2011-2015 SWGRX Schwab Target 2015
    Intermediate Government SWGSX Schwab GNMA
    Long-Short SWHEX Schwab Hedged Equity
    Health SWHFX Schwab Health Care
    Target Date 2021-2025 SWHRX Schwab Target 2025
    Intermediate-Term Bond SWIIX Schwab Premier Income Instl
    Foreign Large Blend SWISX Schwab International Index
    Retirement Income SWKRX Schwab Monthly Income Enh Payout
    Retirement Income SWLRX Schwab Monthly Income Max Payout
    LARGE GROWTH SWLSX Schwab Large-Cap Growth
    Foreign Large Growth SWMIX Laudus International MarketMasters Sel
    Small Growth SWMSX Laudus Small-Cap MarketMasters Select
    Muni National Interm SWNTX Schwab Tax-Free Bond
    Moderate Allocation SWOBX Schwab Balanced Inv
    LARGE BLEND SWPPX Schwab S&P 500 Index
    SMALL BLEND SWSSX Schwab Small Cap Index
    LARGE GROWTH TGCNX TCW Select Equities N
    Mid-Cap Growth TGDNX TCW Growth Equities N
    EQUITY PRECIOUS METALS TGLDX Tocqueville Gold
    LARGE BLEND TICRX TIAA-CREF Social Choice Eq Retail
    LARGE GROWTH TIRTX TIAA-CREF Large-Cap Growth Retail
    LARGE GROWTH TWCGX American Century Growth Inv
    Muni National Interm TWTIX American Century Interm-T Tx-Fr Bd Inv
    SHORT GOVERNMENT TWUSX American Century Short-Term Govt Inv
    LARGE VALUE TWVLX American Century Value Inv
    Foreign Large Value TWWDX Thomas White International
    Foreign Large Growth UMBWX Scout International
    SMALL VALUE VSFAX Federated Clover Small Value A
    Mid-Cap Growth WTMGX Westcore MIDCO Growth
    LARGE VALUE YAFFX Yacktman Focused

     

    Asset Class Number of funds
    Balanced Fund 21
    REITs 2
    Fixed Income 34
    Commodity 1
    Sector Fund 9
    Foreign Equity 18
    Emerging Market Equity 7
    US Equity 41
    Other 4
    Total 137


    As of Apr 5, 2011, this plan investment choice is rated as above average based on MyPlanIQ Plan Rating methodology that was designed to measure how effective a plan's available investment funds are . It has the following detailed ratings:

    Diversification -- Rated as great (98%)
    Fund Quality -- Rated as average (54%)
    Portfolio Building -- Rated as great (86%)
    Overall Rating: above average (80%)

    Portfolio Discussions

    The chart and table below show the historical performance of moderate model portfolios employing strategic and tactical asset allocation strategies. For comparison purpose, we also include the moderate model portfolios of a typical 6 asset SIB (Simpler Is Better) plan . This SIB plan has the following candidate index funds and their ETFs equivalent:

    US Equity: SPY or VTI
    Commodity: DBC
    Foreign Equity: EFA or VEU
    REITs: IYR or VNQ or ICF
    Emerging Market Equity: EEM or VWO
    Fixed Income: AGG or BND
    Performance chart (as of Apr 5, 2011)

    Performance table (as of Apr 5, 2011)

    With six asset classes and a wide number of funds, the returns beat the six asset class benchmark. With high scores in all categories, this plan delivers portfolios that have produced strong historical returns.

    Symbols: SPY, VTI, EFA, VEU, EEM, VWO, IYR, VNQ, ICF, AGG, BND, DBC, HYG, JNK, PHB, AOM, AOK, CIU, BIV, ITM, MUB, TFI, PZA, MLN, IYH, IXJ, VHT, XBI, PBE, DBR, RYH, EFG, IXP, PTE, DGG, LTL, MTK, PTF, DBT, RYT, ROM, GWL, PFA, IVE, IWW, JKF, VTV, ELV, PWV, RPV, SCHV, SCZ, EFV, PID, DWM, IYF, VFH, IPF, PFI, DRF, RYF, IFGL, RWX, TZE, TZG, TZI, TZO, TZL, IGOV, BWX, WIP, IVV, IYY, IWV, VV, DLN, RSP, SCHX, IOO, VT, SHY, SHV, VGSH, PLK, USY, IEV, VGK, PEF, DEB, IVW, IWZ, JKE, VUG, ELG, QQQQ, RPG, SCHG, IJJ, IWS, JKI, VOE, EMV, PWP, RFV, UVU, IJH, IWR, JKG, VO, MDY, EMM, PJG, DON, EZM, MVV, IJS, IWN, JKL, VBR, DSV, PWY, RZV, UVT, IJR, IWM, JKJ, VB, DSC, PJM, DES, SAA, UWM, SCHA, GMM, PXH, DEM, SCHE, GBF, LAG, PCY, CSJ, BSV, VCSH, ITE, IXC, IPW, DBE, RYE, DKA, IEI, VGIT, IJK, IWP, VOT, EMG, PWJ, RFG, UKW, IJT, IWO, JKK, VBK, DSG, PWT, RZG, UKK, TIP, DBP, EPP, VPL, GMF, PAF, AAXJ, DND, EWJ, JPP, PJO, DXJ, GSG, BIL

    Disclosure:

    MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned above are obtained through historical simulation and are hypothetical.

    Originally from the UK, Jenny Hollingworth lives with her husband and two sons in Northern California. She is a wife, mother, writer, theatre director, coffee drinker, avid reader, keen walker, movie watcher, Jane Austen lover and observer of life, in no particular order. MyPlanIQ has no formal relationship with Jenny Hollingworth.

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  • Schwab Select ETF Plan Has Bright Prospects

    04/06/2011

    Schwab ETF Plan Has Good Pedigree and Bright Prospects Retirement is now a "hair on fire" problem. There is much talk of working longer, downsizing, living on less. However, there is something you can do to help improve your risk adjusted returns. Look at your portfolios and plans to build a diversified portfolio with a systematic investment strategy.

    This is not as hard as you might think -- to highlight this point, we feature a plan created by a non professional that matches up well with any of the other plans. Kevin Carr. is an individual investor who employs a long term strategy. He manages an individual common stock portfolio as well as many plans on MyPlan IQ.  If you have any questions regarding this plan please contact him.

    This plan provides you with Schwab's experts’ top picks of low-cost ETFs representing approximately 50 ETFs, based on rigorous criteria including expenses, tracking error, trading volume, and more.  Schwab ETFs trade commission free.  There are no redemption periods so you can start today and not worry about holding periods.

    We report on this Schwab ETF Select List which consists of 49 funds. These funds give exposure to 6 major assets: US Equity, Commodity, Foreign Equity, REITs, Emerging Market Equity, Fixed Income.

     

    Asset Class Ticker Name
    LARGE BLEND SCHX Schwab U.S. Large-Cap ETF
    LARGE GROWTH SCHG Schwab U.S. Large-Cap Growth ETF
    LARGE VALUE SCHV Schwab U.S. Large-Cap Value ETF
    MID-CAP BLEND VO Vanguard Mid-Cap ETF
    Mid-Cap Growth VOT Vanguard Mid-Cap Growth ETF
    MID-CAP VALUE VOE Vanguard Mid-Cap Value ETF
    SMALL BLEND SCHA Schwab U.S. Small-Cap ETF
    Small Growth VBK Vanguard Small Cap Growth ETF
    SMALL VALUE VBR Vanguard Small Cap Value ETF
    LARGE BLEND SCHB Schwab U.S. Broad Market ETF
    LARGE VALUE VYM Vanguard High Dividend Yield Indx ETF
    Foreign Large Blend SCHF Schwab International Equity ETF
    Foreign Large Growth EFG iShares MSCI EAFE Growth Index
    Foreign Large Value EFV iShares MSCI EAFE Value Index
    FOREIGN SMALL/MID GROWTH SCHC Schwab International Small-Cap Eq ETF
    DIVERSIFIED EMERGING MKTS SCHE Schwab Emerging Markets Equity ETF
    Foreign Large Blend VEU Vanguard FTSE All-World ex-US ETF
    WORLD STOCK VT Vanguard Total World Stock Index ETF
    EUROPE STOCK VGK Vanguard European ETF
    DIVERSIFIED PACIFIC/ASIA VPL Vanguard Pacific Stock ETF
    JAPAN STOCK EWJ iShares MSCI Japan Index
    China Region GXC SPDR S&P China
    Intermediate-Term Bond BND Vanguard Total Bond Market ETF
    SHORT GOVERNMENT SCHO Schwab Short-Term U.S. Treasury ETF
    Intermediate Government SCHR Schwab Intermediate-Term U.S. Trsy ETF
    LONG GOVERNMENT TLH iShares Barclays 10-20 Year Treasury Bd
    Inflation-Protected Bond SCHP Schwab U.S. TIPS ETF
    Intermediate-Term Bond CIU iShares Barclays Intermediate Credit Bd
    High Yield Bond JNK SPDR Barclays Capital High Yield Bond
    WORLD BOND BWX SPDR Barclays Capital Intl Treasury Bond
    Muni National Long MUB iShares S&P National AMT-Free Muni Bd
    Consumer Discretionary XLY Consumer Discret Select Sector SPDR
    Consumer Staples XLP Consumer Staples Select Sector SPDR
    Equity Energy XLE Energy Select Sector SPDR
    Financial XLF Financial Select Sector SPDR
    Health XLV Health Care Select Sector SPDR
    Industrials XLI Industrial Select Sector SPDR
    Natural Resources XLB Materials Select Sector SPDR
    Technology XLK Technology Select Sector SPDR
    Communications IYZ iShares Dow Jones US Telecom
    Utilities XLU Utilities Select Sector SPDR
    COMMODITIES BROAD BASKET DBC PowerShares DB Commodity Index Tracking
    Commodities Agriculture DBA PowerShares DB Agriculture
    Commodities Precious Metals IAU iShares Gold Trust
    Commodities Industrial Metals DBB PowerShares DB Base Metals
    Commodities Energy USL United States 12 Month Oil
    MISCELLANEOUS SECTOR PFF iShares S&P U.S. Preferred Stock Index
    REAL ESTATE VNQ Vanguard REIT Index ETF


     

    Asset Class Number of funds
    Balanced Fund 0
    REITs 1
    Fixed Income 9
    Commodity 5
    Sector Fund 11
    Foreign Equity 8
    Emerging Market Equity 3
    US Equity 11
    Other 1
    Total 49

    Many are looking for access to a well rounded ETF plan through Schwab. This fills this hole and as Schwab makes more of their own funds available, it will be possible to move them into the plan. On this review, the only comment would be to add another REIT choice. The other asset classes have a good number of selections without being overwhelming.

    As of Apr 4, 2011, this plan investment choice is rated as above average based on MyPlanIQ Plan Rating methodology that was designed to measure how effective a plan's available investment funds are . It has the following detailed ratings:

    Diversification -- Rated as great (99%)
    Fund Quality -- Rated as average (47%)
    Portfolio Building -- Rated as average (56%)
    Overall Rating: above average (66%)

    Thehigh diversification score means that all the major and minor asset classes have been ticked. Fund quality is lower because some of the ETF's don't have a long history but that shouldn't impede the ability for the future.

    Portfolio Discussions

    The chart and table below show the historical performance of moderate model portfolios employing strategic and tactical asset allocation strategies. For comparison purpose, we also include the moderate model portfolios of a typical 6 asset SIB (Simpler Is Better) plan . This SIB plan has the following candidate index funds and their ETFs equivalent:

    US Equity: SPY or VTI
    Commodity: DBC
    Foreign Equity: EFA or VEU
    REITs: IYR or VNQ or ICF
    Emerging Market Equity: EEM or VWO
    Fixed Income: AGG or BND
    Performance chart (as of Apr 4, 2011)

    Performance table (as of Apr 4, 2011)

    Portfolio Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe
    Schwab ETF Select List Tactical Asset Allocation Moderate 9% 82% 8% 72% 12% 89%
    Schwab ETF Select List Strategic Asset Allocation Moderate 14% 118% 3% 15% 4% 20%
    Six Core Asset ETF Benchmark Tactical Asset Allocation Moderate 9% 81% 10% 82% 13% 89%
    Six Core Asset ETF Benchmark Strategic Asset Allocation Moderate 14% 121% 4% 20% 7% 34%


    This portfolio performs well against the six asset ETF benchmark

    • SAA provides lower volatility while albeit delivering lower historical returns but as more of the newer funds are applied to the portfolio, there will be more opportunity for closing the gap
    • The TAA portfolios run neck and neck over the five year period

    In a future article, we will review performance over the last three months to see how the plan has performed in the light of recent events.

    Kay Takeaways

    • Building a plan of funds is not the preserve of the few -- anybody who has the interest and application to research can provide well constructed plans
    • It is possible to benefit from those individuals while still having transparency and not being captive to any particular broker

    Symbols: SPY, VTI, EFA, VEU, EEM, VWO, IYR, VNQ, ICF, AGG, BND, DBC, HYG, JNK, PHB, CIU, BIV, MUB, TFI, PZA, MLN, GII, PUI, DBU, RYU, UPW, IYH, IXJ, VHT, XBI, PBE, DBR, RYH, EFG, IXP, PTE, DGG, LTL, IYM, IGE, VAW, XLB, XME, PYZ, DBN, RTM, UYM, MTK, PTF, DBT, RYT, ROM, GWL, PFA, IVE, IWW, JKF, VTV, ELV, PWV, RPV, SCHV, EFV, PID, DWM, IYF, VFH, IPF, PFI, DRF, RYF, KXI, VDC, PSL, DPN, RHS, RXI, VCR, IYJ, EXI, VIS, IGOV, BWX, WIP, IVV, IYY, IWV, VV, DLN, RSP, SCHX, IOO, VT, SHY, SHV, VGSH, PLK, USY, TLT, TLH, IEF, EDV, VGLT, TLO, PLW, IEV, VGK, PEF, DEB, IVW, IWZ, JKE, VUG, ELG, QQQQ, RPG, SCHG, IJJ, IWS, JKI, VOE, EMV, PWP, RFV, UVU, IJH, IWR, JKG, VO, MDY, EMM, PJG, DON, EZM, MVV, IFSM, VSS, SCHC, IJS, IWN, JKL, VBR, DSV, PWY, RZV, UVT, IJR, IWM, JKJ, VB, DSC, PJM, DES, SAA, UWM, SCHA, GMM, PXH, DEM, SCHE, ITE, IXC, IPW, DBE, RYE, DKA, IEI, VGIT, IJK, IWP, VOT, EMG, PWJ, RFG, UKW, IJT, IWO, JKK, VBK, DSG, PWT, RZG, UKK, TIP, EPP, VPL, GMF, PAF, EWJ, JPP, PJO, DXJ, GSG

    Disclosure:

    MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned above are obtained through historical simulation and are hypothetical.

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  • National Semiconductor Provides Good Funds in Their Retirement Plan

    04/04/2011

    This article is part of a series of case studies we are conducting for various 401K plans. In this article, we will discuss how participants in NATIONAL SEMICONDUCTOR CORPORATION RETIREMENT AND SAVINGS PROGRAM can achieve reasonable investment results using asset allocation strategies. We will also discuss how those portfolios are positioned in today’s market environment.

    National Semiconductor Corporation, a semiconductor company, designs, develops, manufactures, and markets analog and mixed-signal integrated circuits and sub-systems. It is one of the oldest semiconductor companies in Silicon Valley.

    NATIONAL SEMICONDUCTOR CORPORATION RETIREMENT AND SAVINGS PROGRAM's 401K plan consists of 30 funds. These funds enable participants to gain exposure to 3 major assets: US Equity, Foreign Equity, Fixed Income. Three Core Asset ETF Benchmark's 401K plan consists of 3 funds. These funds enable participants to gain exposure to 3 major assets: US Equity, Foreign Equity, Fixed Income.

     

    The list of minor asset classes covered by NATIONAL SEMICONDUCTOR CORPORATION RETIREMENT AND SAVINGS PROGRAM The list of minor asset classes covered by Three Core Asset ETF Benchmark
    Foreign Large Blend: FSIIX, RERFX
    Foreign Large Value: DODFX
    Inflation-protected Bond: VAIPX
    Intermediate-term Bond: FTHRX, WACPX, VBTIX
    Large Blend: FUSEX, NYVRX
    Large Growth: FCNTX
    Large Value: DODGX
    Mid-cap Blend: FLPSX
    Mid-cap Growth: JMGRX
    Mid-cap Value: LAVLX
    Moderate Allocation: FPUKX
    Retirement Income: VTINX
    Small Blend: HSVRX
    Small Growth: SMPDX, RSEGX
    Target Date 2000-2010: VTENX, VTOVX, VTOVX, VTOVX, VTOVX
    Target Date 2016-2020: VTWNX
    Target Date 2026-2030: VTHRX
    Target Date 2036-2040: VFORX
    Target Date 2050+: VFIFX
    Other: CASH, CASH
    Foreign Large Blend: VEU
    Intermediate-term Bond: BND
    Large Blend: VTI

     

    Asset Class   NATIONAL SEMICONDUCTOR CORPORATION RETIREMENT AND SAVINGS PROGRAM   Three Core Asset ETF Benchmark
    Balanced Fund   11   0
    Fixed Income   4   1
    Sector Fund   0   0
    Foreign Equity   3   1
    US Equity   10   1
    Other   2   0
    Total   30   3

     

    As of Apr 1, 2011, NATIONAL SEMICONDUCTOR CORPORATION RETIREMENT AND SAVINGS PROGRAM investment choice is rated as above average and Three Core Asset ETF Benchmark investment choice is rated as poor based on MyPlanIQ Plan Rating methodology that was designed to measure how effective a plan's available investment funds are . It has the following detailed ratings:

    Attribute   NATIONAL SEMICONDUCTOR CORPORATION RETIREMENT AND SAVINGS PROGRAM   Three Core Asset ETF Benchmark
    Diversification   average (53%)   poor (2%)
    Fund Quality   average (64%)   below average (22%)
    Portfolio Building   great (86%)   poor (5%)
    Overall Rating   above average (69%)   poor (10%)

     

    The chart and table below show the historical performance of moderate model portfolios employing strategic and tactical asset allocation strategies (SAA and TAA , both provided by MyPlanIQ). For comparison purpose, we also include the moderate model portfolios of a typical 3 asset SIB (Simpler Is Better) plan . This SIB plan has the following candidate index funds and their ETFs equivalent:

    US Equity: SPY or VTI
    Foreign Equity: EFA or VEU
    Fixed Income: AGG or BND

    Performance chart (as of Apr 1, 2011)

    Performance table (as of Apr 1, 2011)

    Currently Commodities, US Equity and Real Estate are doing well. Only US Equity is available to NATIONAL SEMICONDUCTOR CORPORATION RETIREMENT AND SAVINGS PROGRAM participants.

    Even though National Semiconductor plan falls into what we call 'U.S. centric' catogories because of the only three asset classes it covers (U.S. equity, Foreign equity and fixed income), it compensates its lack of diversification by its excellent fund choices. In the large cap U.S. stock categoriy, it provides

    Davis New York Venture A (NYVRX) -- Large-cap blend

    Dodge & Cox Stocks (DODGX) -- Large-cap value

    Fidelity Contrafund (FCNTX) -- Large-cap growth

    All of them are excellent funds. In the mid cap category, it again has its three styles covered by high quality funds. These include

    Fidelity Low Priced Stocks (FLPSX) -- Mid-cap blend

    Lord Abbett Mid-Cap Value (LAVLX) -- Mid-cap value

    Janus Funds Enterprise (JMGRX) -- Mid-cap growth

    Three small cap funds are provided for small cap stocks. In foreign stock category are American Funds Euro-Pacific (RERFX) and Dodge & Cox Foreign Stocks (DODFX), both are well known and solid performers.

    To summarize, NATIONAL SEMICONDUCTOR CORPORATION RETIREMENT AND SAVINGS PROGRAM participants can achieve reasonable investment returns by adopting asset allocation strategies that are tailored to their risk profiles. The company could further expand its fund coverage to other major asset classes such as emerging market stocks to allow better diversification.


    Disclosure:

    MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned above are obtained through historical simulation and are hypothetical.

    Symbols:nnsm, SPY, VTI, EFA, VEU, AGG, BND, AOM, CIU, BIV, GWL, PFA, IVE, IWW, JKF, VTV, ELV, PWV, RPV, SCHV, EFV, PID, DWM, TZD, TZG, TZL, TZV, IVV, IYY, IWV, VV, DLN, RSP, SCHX, IVW, IWZ, JKE, VUG, ELG, QQQQ, RPG, SCHG, IJJ, IWS, JKI, VOE, EMV, PWP, RFV, UVU, IJH, IWR, JKG, VO, MDY, EMM, PJG, DON, EZM, MVV, IJR, IWM, JKJ, VB, DSC, PJM, DES, SAA, UWM, SCHA, IJK, IWP, VOT, EMG, PWJ, RFG, UKW, IJT, IWO, JKK, VBK, DSG, PWT, RZG, UKK, TIP

    Exchange Tickers: (nsm), (SPY), (VTI), (EFA), (VEU), (AGG), (BND), (AOM), (CIU), (BIV), (GWL), (PFA), (IVE), (IWW), (JKF), (VTV), (ELV), (PWV), (RPV), (SCHV), (EFV), (PID), (DWM), (TZD), (TZG), (TZL), (TZV), (IVV), (IYY), (IWV), (VV), (DLN), (RSP), (SCHX), (IVW), (IWZ), (JKE), (VUG), (ELG), (QQQQ), (RPG), (SCHG), (IJJ), (IWS), (JKI), (VOE), (EMV), (PWP), (RFV), (UVU), (IJH), (IWR), (JKG), (VO), (MDY), (EMM), (PJG), (DON), (EZM), (MVV), (IJR), (IWM), (JKJ), (VB), (DSC), (PJM), (DES), (SAA), (UWM), (SCHA), (IJK), (IWP), (VOT), (EMG), (PWJ), (RFG), (UKW), (IJT), (IWO), (JKK), (VBK), (DSG), (PWT), (RZG), (UKK), (TIP)

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  • Accenture 401K Retirement Plan: High Quality and Low Cost Funds with Proper Diversification

    03/25/2011

    Accenture plc (ACN) operates as a management consulting, technology services, and outsourcing company. As a consulting and service provider, Accenture offers human resources and benefit consulting to various corporations. It is of interests to look at Accenture 401K plan offered to Accenture's employees.

    The 401K plan consists of 28 funds. These funds enable participants to gain exposure to 5 major assets: US Equity, Foreign Equity, Emerging Market Equity, REITs, Fixed Income.

    Asset ClassTickerName
    Retirement Income FFFAX Fidelity Freedom Income
    Target Date 2016-2020 FFFDX Fidelity Freedom 2020
    Target Date 2016-2020 FFFDX Fidelity Freedom 2020
    Target Date 2016-2020 FFFDX Fidelity Freedom 2020
    Target Date 2016-2020 FFFDX Fidelity Freedom 2020
    Target Date 2016-2020 FFFDX Fidelity Freedom 2020
    Target Date 2016-2020 FFFDX Fidelity Freedom 2020
    LARGE BLEND MVEIX Monteagle Select Value Fund
    Intermediate-Term Bond PTTRX PIMCO Total Return Instl
    Intermediate-Term Bond VBMFX Vanguard Total Bond Market Index
    Inflation-Protected Bond VIPSX Vanguard Inflation-Protected Secs
    LARGE BLEND VIIIX Vanguard Institutional Index Instl Pl
    LARGE BLEND LLPFX Longleaf Partners
    LARGE VALUE LSVEX LSV Value Equity
    MID-CAP VALUE VMVIX Vanguard Mid-Cap Value Index Inv
    SMALL BLEND NAESX Vanguard Small Cap Index
    REAL ESTATE VGSIX Vanguard REIT Index
    LARGE GROWTH FCNTX Fidelity Contrafund
    LARGE GROWTH FOCPX Fidelity OTC
    LARGE GROWTH HACAX Harbor Capital Appreciation Instl
    LARGE GROWTH MGRIX Marsico Growth
    SMALL VALUE ROFIX Royce Opportunity Instl
    WORLD STOCK RNPFX American Funds New Perspective R5
    Foreign Large Growth FDIVX Fidelity Diversified International
    DIVERSIFIED EMERGING MKTS VEIEX
    Vanguard Emerging Markets Stock
    Foreign Large Blend VGTSX Vanguard Total Intl Stock Index


    The list of minor asset classes covered: 
    Diversified Emerging Mkts: EEM, GMM, PXH, DEM, SCHE 
    Foreign Large Blend: EFA, VEU, GWL, PFA 
    Inflation-protected Bond: TIP 
    Intermediate-term Bond: AGG, CIU, BIV, BND 
    Large Blend: IVV, IYY, IWV, VTI, VV, SPY, DLN, RSP, SCHX 
    Large Growth: IVW, IWZ, JKE, VUG, ELG, QQQQ, RPG, SCHG 
    Large Value: IVE, IWW, JKF, VTV, ELV, PWV, RPV, SCHV 
    Mid-cap Value: IJJ, IWS, JKI, VOE, EMV, PWP, RFV, UVU 
    Real Estate: IYR, ICF, VNQ 
    Retirement Income: 
    Small Blend: IJR, IWM, JKJ, VB, DSC, PJM, DES, SAA, UWM, SCHA 
    Small Value: IJS, IWN, JKL, VBR, DSV, PWY, RZV, UVT 
    Target Date 2016-2020: TZG 
    World Stock: IOO, VT 

    Asset ClassNumber of funds
    Balanced Fund 7
    REITs 1
    Fixed Income 3
    Commodity 0
    Sector Fund 0
    Foreign Equity 3
    Emerging Market Equity 1
    US Equity 11
    Other 2
    Total 28

     

    As of Mar 24, 2011, this plan investment choice is rated as above averagebased on MyPlanIQ Plan Rating methodology that was designed to measure how effective a plan's available investment funds are . It has the following detailed ratings:

    Diversification -- Rated as great (87%) 
    Fund Quality -- Rated as below average (27%) 
    Portfolio Building -- Rated as great (86%) 
    Overall Rating: above average (69%)

    From the table above, one can see that the plan has several outstanding stock funds such as Longleaf Partners (LLPFX), Royce Opportunity (ROFIX), LSV Value Equity (LSVEX) and Fidelity Contra (FCNTX). It has also the solid fixed income fund PIMCO Total Return (PTTRX). In addition, it uses many Vanguard index funds that have low cost to complete asset class coverage. The fund choices cover five major asset classes, which are fairly adequate for diversification purpose.

    Let's analyze further how the plan can help its participants by using two asset allocation strategies: strategic and tactical asset allocation strategies (SAA and TAA for participants in Accenture 401K).

    Strategic Asset Allocation is based on well known modern portfolio theory and its key features include: diversification, proper fund selection and periodically re-balancing.

    Tactical Asset Allocation works on a diversified array of assets provided by funds in a plan and adjusts asset mixes based on market conditions such as asset price momentum utilized by TAA.

    The chart and table below show the historical performance of moderate model portfolios employing strategic and tactical asset allocation strategies. For comparison purpose, we also include the moderate model portfolios of a typical 5 asset SIB (Simpler Is Better) plan . This SIB plan has the following candidate index funds and their ETFs equivalent:

    US Equity: SPY or VTI 
    Foreign Equity: EFA or VEU 
    REITs: IYR or VNQ or ICF 
    Emerging Market Equity: EEM or VWO 
    Fixed Income: AGG or BND 
    Performance chart (as of Mar 24, 2011)

    Performance table (as of Mar 24, 2011)

    Portfolio Name1Yr AR1Yr Sharpe3Yr AR3Yr Sharpe5Yr AR5Yr Sharpe
    Accenture 401K Tactical Asset Allocation Moderate 8% 43% 12% 93% 13% 84%
    Accenture 401K Strategic Asset Allocation Moderate 10% 80% 6% 30% 7% 33%
    Five Core Asset ETF Benchmark Tactical Asset Allocation Moderate 7% 42% 8% 60% 10% 63%
    Five Core Asset ETF Benchmark Strategic Asset Allocation Moderate 13% 76% 4% 16% 6% 19%

    Accenture's Strategic and Tactical model portfolios beat their counterparts of the Five Core Asset benchmarks respectively. This indicates a solid plan that can be used for many asset allocation styles.

    To summarize, Accenture 401K participants can achieve the best investment returns by adopting asset allocation strategies that are tailored to their risk profiles. Moreover, they can take advantage of the good fund choices offered by the plan.

    Symbols:ACN,SPY,VTI,EFA,VEU,EEM,VWO,IYR,VNQ,ICF,AGG,BND,CIU,BIV,GWL,PFA,IVE,IWW,JKF,VTV,ELV,PWV,RPV,SCHV,TZG,IVV,IYY,IWV,VV,DLN,RSP,SCHX,IOO,VT,IVW,IWZ,JKE,VUG,ELG,QQQQ,RPG,SCHG,IJJ,IWS,JKI,VOE,EMV,PWP,RFV,UVU,IJS,IWN,JKL,VBR,DSV,PWY,RZV,UVT,IJR,IWM,JKJ,VB,DSC,PJM,DES,SAA,UWM,SCHA,GMM,PXH,DEM,SCHE,TIP,PTTRX,LSVEX,LLPFX,ROFIX,

    Exchange Tickers:(ACN), (SPY), (VTI), (EFA), (VEU), (EEM), (VWO), (IYR), (VNQ), (ICF), (AGG), (BND), (CIU), (BIV), (GWL), (PFA), (IVE), (IWW), (JKF), (VTV), (ELV), (PWV), (RPV), (SCHV), (TZG), (IVV), (IYY), (IWV), (VV), (DLN), (RSP), (SCHX), (IOO), (VT), (IVW), (IWZ), (JKE), (VUG), (ELG), (QQQQ), (RPG), (SCHG), (IJJ), (IWS), (JKI), (VOE), (EMV), (PWP), (RFV), (UVU), (IJS), (IWN), (JKL), (VBR), (DSV), (PWY), (RZV), (UVT), (IJR), (IWM), (JKJ), (VB), (DSC), (PJM), (DES), (SAA), (UWM), (SCHA), (GMM), (PXH), (DEM), (SCHE), (TIP)

    Disclosure:

    MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned above are obtained through historical simulation and are hypothetical.

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  • RWO, RWR Replace VNQ in the Six Asset Portfolio

    03/20/2011

    We are working through a series of articles to help improve returns for retirement investors. Aging boomers highlight the major retirement crisis as they come to the end of their working careers. They don’t have enough money. There is no money to bail out retirement – it’s already been spent on salvaging the economy for the working. It is going to be up to the individual to make the most of what they have. They will have to accept less or work longer or achieve better returns from their investments

    We believe that it is possible for the individual to be more involved with their retirement investing and to see better results. These articles are intended to help build the foundational understanding that will enable better returns, lower risk and less angst in our lives.

    What we have seen is:

    • Increasing diversification from three areas to six can make a significant impact on simulated historical returns
    • Only a few retirement plans (~4%) have six asset classes but  it may be possible to create a holistic portfolio with the combination of IRA and 401K plans
    • We have added a managed bond fund in this critical area at a time when fixed income is under pressure and that part of the portfolio would benefit from active management. Note that we have picked what is probably one of the gold standards of recent years and not all managers are created equal
    • The current set of funds we have developed are VTI, VEU, BND, VNQ, VWO, DBC, PTTDX
    • We replaced VTI with LargeCap Blend RSP,  MidCap Value IJJ SmallCap Growth VBK
    • (NYSEArca: VTI ), (NYSEArca: VEU), (NYSEArca: BND), (NYSEArca: VNQ), (NYSEArca: VWO), (NYSEArca:  DBC), (MUTF:PTTRX), (MUTF: PTTDX),  (NYSEArca: RSP), (NYSEArca: IJJ), (NYSEArca: VBK),


    In the last article we saw that adding three US ETFs in place of VTI didn't move the needle much. That doesn't mean that it is not valuable to have the funds, just that the market dynamics didn't show the benefit.It is likely that the benefits will be seen in future as SmallCap Growth are currently leading the US equities league table

    In this article, we are going to focus on Real Estate Trusts. Anything with Real Estate in its name causes a visceral reaction as Real Estate was the notional straw that broke Wall Street's back and while the recovery is happening, we are not out of the woods. However, Real Estate Trusts are not consumer biased and they have been strong contributors to portfolios over the past year.

    To keep the portfolio as small as possible, I am going to have two funds -- one domestic and one international.

    U.S. REITs

    Description Symbol 1 Yr 3 Yr 5 Yr Avg.
    Volume(K)
    1 Yr Sharpe
    Vanguard REIT Index ETF VNQ 30.39% 3.38% 1.97% 1,694 174.86%
    SPDR Dow Jones REIT RWR 31.88% 2.47% 0.57% 243 184.72%
    iShares Cohen & Steers Realty ICF 33.82% 0.56% -0.1% 616 191.7%
    iShares Dow Jones US Real Estate IYR 29.32% 1.97% -0.14% 7,342 176.35%


    The US REITs are ordered by they five year returns. While VNQ has the best five year return, it is at the bottom of the list over the past one year. ICF is attractive in the short term but has poor medium term performance. Therefore, I selected RWR as it has better short term properties and will likely be better going forward. Again, I am not an expert in researching likely forward looking returns, others may be.

    International REITs

    Description Symbol 1 Yr 3 Yr 5 Yr Avg.
    Volume(K)
    1 Yr Sharpe
    SPDR Dow Jones Global Real Estate RWO 27.78% NA NA 71 144.86%
    SPDR Dow Jones Intl Real Estate RWX 24.45% -3.57% NA 312 106.56%
    WisdomTree International Real Estate DRW 22.25% -3.97% NA 32 99.26%
    iShares S&P Dev ex-US Property WPS 16.81% -4.01% NA 20 79.7%
    iShares FTSE EPRA/NAREIT Dev Real Estate IFGL 13.32% -5.29% NA 66 65.6%


    When we examine the international REITs, we see that they have a shorter history so they were sorted on the three year returns and RWO came out the clear winner.

    My two picks are

    • SPDR Dow Jones REIT RWR
    • iSPDR Dow Jones Global Real Estate RWO

    It is possible to make different selection and measure historical returns but these are the choices I make for this exercise and we will now review the historical returns against the previous version with just VNQ. Note that I have removed VNQ from the list of fund choices.

    Attribute Six Core Asset ETF Benchmark With PTTRX-3USETfs-2REIT Six Core Asset ETF Benchmark With PTTRX-3USETFs
    Diversification above average (68%) above average (65%)
    Fund Quality average (37%) average (54%)
    Portfolio Building above average (80%) above average (83%)
    Overall Rating average (64%) above average (69%)



    Performance chart (as of Mar 10, 2011)

    Performance table (as of Mar 10, 2011)

    Portfolio Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe
    Six Core Asset ETF Benchmark With PTTRX-3USETfs-2REIT Tactical Asset Allocation Moderate 11% 82% 10% 79% 14% 96%
    Six Core Asset ETF Benchmark With PTTRX-3USETfs-2REIT Strategic Asset Allocation Moderate 16% 128% 6% 28% 8% 38%
    Six Core Asset ETF Benchmark With PTTRX-3USETFs Tactical Asset Allocation Moderate 13% 96% 11% 84% 14% 98%
    Six Core Asset ETF Benchmark With PTTRX-3USETFs Strategic Asset Allocation Moderate 16% 124% 7% 31% 8% 40%


    We have already noted that the graph is going to be misleading because of the youth of the ETFs. VTI and VNQ were available before RWO, RWR, RSP, IWS and IJT so, in the early days, we were comparing portfolios with different numbers of asset classes. We have also noted that VNQ beat RWR in the longer time horizon and RWO was not available in the five year horizon but only in the three year horizon.

    Notes

    • In the longer term there is no appreciable difference at least rounded up to the nearest whole percent
    • In the three year time frame the plan with the extra funds beats the other by 1% over both strategic and tactical asset allocation
    • In the short term, the simpler plan actually outperformed the plan with more funds which seems counter intuitive

    We have already covered the limitations of momentum strategies and how that pertains to rotating sub-classes. The asset class rotation was not effective in the one year timeframe for Tactical asset allocation and the as both SAA and TAA will deploy both the REITs and their aggregate performance almost equal to VNQ so the SAA strategies are identical.

    It is important to weigh the merits of historical performance which is past with the hope for future performance. The choices made here were with an eye to the future. International REIT will hopefully provide better diversification to minimize volatility and capture gains and the choice of the newer funds with better short term performance should hopefully give better returns. However, there is not a huge difference and it could be, for the sake of simplicity, one would want to keep this at one fund..

    Disclosure:

    MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned above are obtained through historical simulation and are hypothetical.

    Symbols:VTI,VEU,BND,VNQ,VWO,DBC,PTTDX,RSP,IJJ,VBK,EFA,RWO,RWR,(NYSEArca,VTI,),(NYSEArca,VEU),(NYSEArca,BND),(NYSEArca,VNQ),(NYSEArca,VWO),(NYSEArca, ,DBC),(MUTF,PTTRX),(MUTF,PTTDX),(NYSE,RSP),(NYSE,VBK),(NYSE,IJJ),(NYSE,EFA),(NYSE,RWR),(NYSE,RWO) ,

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  • Swensen Six Asset Lazy Portfolio Review Exhibits Different Q1 Behavior

    03/19/2011

  • What Do Japan and Libya Tell Us About Retirement Investing?

    03/17/2011

  • NetApp's 401K: More Diversification and Better Quality Can Help

    03/10/2011

  • Does Adding Three US Funds To A Simple Six Asset Portfolio Make a Difference?

    03/10/2011

  • Shell Versus Morningstar -- More is Better

    02/27/2011

  • Initiating Tracking of US Subclasses

    02/22/2011

  • E-Trade ETF Plan Hits Most of the High Notes

    02/16/2011

  • RSP Leads US Large Cap Blend Equities

    02/14/2011

  • JPMorgan Chase -- Top Tier Company -- Second Tier Retirement Plan

    01/15/2011

  • FEDEX Doesn't Deliver on It's Retirement Plan

    01/07/2011

  • American Flies Above United in Plan Structure, Below United in Returns

    01/06/2011

  • End of the Year Review of Luminary Portfolios -- II

    01/01/2011

  • Vanguard VA Has Some Rules and Can Be Cloned with an ETF Portfolio

    12/08/2010

  • Bristol-Myers Can Broaden Its 401K Plan Investment Choices By Offering Emerging Market or REIT Funds

    12/06/2010

  • Allegheny Energy Can Improve Diversification By Offering More Choices in Its 401K Plan

    12/06/2010

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