 |
Vanguard ETF: |  |
7.4%* |
|
Diversified Core: | |
8.1%* |
|
Six Core Asset ETFs: | |
7.3%* |
Articles on LZEMX
- 401K Investments: Moody's Profit Participantion Plan Offers Good Diversification and Quality Funds
09/14/2011
Moody's is well known for its debt rating service. Through its subsidiaries, it provides credit ratings; credit and economic related research, data, and analytical tools; risk management software; and quantitative credit risk measures, credit portfolio management solutions, training, and financial credentialing and certification services worldwide. Famed investor Warren Buffett is a major shareholder of Moody's common stocks.
As one would expect, Moody's own credit and risk rating expertise should help to design and offer a good retirement investment plan to its employees. In this report, we review Profit Participation Plan of Moody’s Corporation plan and its asset allocation portfolio building capability.
The plan consists of 25 funds. These funds enable participants to gain exposure to 5 major assets: US Equity, Foreign Equity, REITs, Emerging Market Equity, Fixed Income.
Asset Class Ticker Name Conservative Allocation FIRJX Fidelity Income Replacement 2016 LARGE BLEND FUSEX Fidelity Spartan U.S. Equity Index Inv Intermediate-Term Bond FBIDX Fidelity U.S. Bond Index DIVERSIFIED EMERGING MKTS LZEMX Lazard Emerging Markets Equity Instl LARGE GROWTH MLAIX MainStay Large Cap Growth I REAL ESTATE RRRRX DWS RREEF Real Estate Securities Inst MID-CAP VALUE GCMAX Goldman Sachs Mid Cap Value A Retirement Income FFFAX Fidelity Freedom Income Target Date 2000-2010 FFFVX Fidelity Freedom 2005 Target Date 2000-2010 FFFCX Fidelity Freedom 2010 Target Date 2016-2020 FFFDX Fidelity Freedom 2020 Target Date 2026-2030 FFFEX Fidelity Freedom 2030 Target Date 2036-2040 FFFFX Fidelity Freedom 2040 Target Date 2011-2015 FFVFX Fidelity Freedom 2015 Target Date 2021-2025 FFTWX Fidelity Freedom 2025 Target Date 2031-2035 FFTHX Fidelity Freedom 2035 Target Date 2041-2045 FFFGX Fidelity Freedom 2045 Target Date 2050+ FFFHX Fidelity Freedom 2050 MID-CAP BLEND FLPSX Fidelity Low-Priced Stock Mid-Cap Growth FMCSX Fidelity Mid-Cap Stock Foreign Large Growth FDIVX Fidelity Diversified International MID-CAP BLEND FSEMX Fidelity Spartan Extended Mkt Index Inv Foreign Large Blend FSIIX Fidelity Spartan International Index Inv LARGE VALUE EILVX Eaton Vance Large-Cap Value I Intermediate-Term Bond PTTRX PIMCO Total Return Instl As of Sep 13, 2011, this plan investment choice is rated as above average based on MyPlanIQ Plan Rating methodology that measures the effectiveness of a plan's available investment funds. It has the following detailed ratings:
Diversification -- Rated as above average (68%)
Fund Quality -- Rated as average (65%)
Portfolio Building -- Rated as above average (69%)
Overall Rating: above average (67%)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 Sep 13, 2011)Performance table (as of Sep 13, 2011)
Portfolio Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe Profit Participation Plan of Moody’s Corporation Tactical Asset Allocation Moderate -0% 14% 11% 90% 10% 84% Profit Participation Plan of Moody’s Corporation Strategic Asset Allocation Moderate 2% 27% 4% 20% 4% 19% Five Core Asset ETF Benchmark Tactical Asset Allocation Moderate 6% 61% 10% 76% 9% 64% Five Core Asset ETF Benchmark Strategic Asset Allocation Moderate 2% 27% 5% 22% 4% 15% Currently Commodities, International Bonds and Fixed Income are doing well. Only Fixed Income is available to Profit Participation Plan of Moody’s Corporation participants.
Diversification and proper risk management are the two major key factors in 401k investing. Moody's plan provides a reasonable diversified asset classes for its participants. Participantscan achieve reasonable investment returns by adopting asset allocation strategies that are tailored to their risk profiles.
Symbols: MCO, VTI, VEU, VWO, VNQ, BND, FIRJX, FUSEX, FBIDX, LZEMX, MLAIX, RRRRX, GCMAX, FFFAX, FFFVX, FFFCX, FFFDX, FFFEX, FFFFX, FFVFX, FFTWX, FFTHX, FFFGX, FFFHX, FLPSX, FMCSX, FDIVX, FSEMX, FSIIX, EILVX, PTTR, 401K Investments, Retirement Investing, Portfolio Management, Asset Allocation, Risk Management
- High Quality Funds in Oracle 401K Plan Boost Portfolio Returns
06/13/2011
Retirement investing is a long term process. This report reviews Oracle Corporation 401(k) Savings and Investment Plan. We will discuss the investment choices and present the plan rating by MyPlanIQ. Current economic and market conditions are discussed in the context of the investment portfolios in the plan. We will then show how investors in Oracle Corporation 401(k) Savings and Investment Plan can achieve reasonable investment results using asset allocation strategies.
Plan Review and Rating
Oracle Corporation 401(k) Savings and Investment Plan consists of 30 funds. These funds enable participants to gain exposure to 4 major assets: US Equity, Foreign Equity, Emerging Market Equity, Fixed Income.
The plan has many high quality funds including Dodge & Cox stock (DODGX), Fidelity Contra (FCNTX), Lazard Emerign Markets (LZEMX), Fidelity Low Priced Stocks (FLPKX). Additionaly, Pimco's total return bond fund (PTTRX), managed by Bill Gross gives participants a solid choice in fixed income.
As of Jun 10, 2011, this plan investment choice is rated as above average based on MyPlanIQ Plan Rating methodology that measures the effectiveness of a plan's available investment funds. It has the following detailed ratings:
Diversification -- Rated as average (52%)
Fund Quality -- Rated as above average (75%)
Portfolio Building -- Rated as great (92%)
Overall Rating: above average (75%)Current Economic and Market Conditions
Last week marked the sixth week of losses in the U.S. stock market. Investors are now clearly in a risk off mode. Key observations include
- U.S. stock market index (Vanguard Total Stock Market Index (VTI)), for example, is now ranked below U.S. 7-10 long term treasury bonds (IEF) and just a notch above credit bond index (CFT) in our major trend table.
- For the time being, commodities (DBC) and Gold (GLD) are still holding first places, with international REITs (RWX) is still strong.
- On the fixed income side, long bonds (TLT) (LQD) are now trending higher while emerging market bonds (PCY) is still holding a higher place.
This shows investors' strong risk aversion but it is still not water shed flight to safety moment yet.
For more information on how these assets are ranked, please see here.
The following lists how major assets are ranked.
Major Asset Classes Trend
06/10/2011
Description Symbol 1 Week 4 Weeks 13 Weeks 26 Weeks 52 Weeks Trend Score US Stocks VTI -2.43% -5.02% -1.96% 4.63% 21.2% 3.28% International Developed Stks EFA -2.95% -2.44% -0.35% 3.57% 22.03% 3.97% Emerging Market Stks VWO -2.69% -0.43% 1.82% 3.41% 26.05% 5.63% Frontier Market Stks FRN 0.66% 1.19% 3.58% -5.35% 20.94% 4.21% US Equity REITs VNQ -4.25% -4.01% 1.18% 9.64% 20.52% 4.61% International REITs RWX -2.82% -0.55% 2.46% 6.52% 34.29% 7.98% Commodities DBC 0.1% 4.27% 2.68% 15.4% 37.95% 12.08% Gold GLD -0.65% 2.48% 7.97% 10.21% 24.36% 8.87% Total US Bonds BND 0.15% 1.01% 2.67% 4.0% 5.68% 2.7% International Treasury Bonds BWX -1.2% 1.93% 4.36% 10.12% 19.92% 7.03% Emerging Mkt Bonds PCY 0.18% 0.85% 4.25% 3.64% 12.83% 4.35% US Credit Bonds CFT 0.02% 0.37% 2.41% 4.69% 8.06% 3.11% US High Yield Bonds JNK -1.32% -2.13% -0.03% 6.5% 19.11% 4.43% Mortgage Back Bonds MBB -0.03% 0.78% 2.33% 3.48% 4.18% 2.15% Municipal Bonds MUB -0.51% 0.28% 4.31% 6.03% 2.98% 2.62% Intermediate Treasuries IEF 0.26% 2.14% 4.8% 5.55% 7.24% 4.0% Treasury Bills SHV -0.02% -0.04% 0.02% 0.07% 0.1% 0.03% 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 4 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
Emerging Market Equity: EEM or VWO
Fixed Income: AGG or BND
Performance chart (as of Jun 10, 2011)Performance table (as of Jun 10, 2011)
Portfolio Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe Oracle Corporation 401(k) Savings and Investment Plan Tactical Asset Allocation Moderate 10% 121% 10% 109% 13% 121% Oracle Corporation 401(k) Savings and Investment Plan Strategic Asset Allocation Moderate 16% 202% 7% 47% 8% 60% Four Core Asset ETF (EM) Benchmark Tactical Asset Allocation Moderate 4% 44% 6% 53% 10% 69% Four Core Asset ETF (EM) Benchmark Strategic Asset Allocation Moderate 18% 151% 3% 12% 6% 26% From the above table, one can see that Oracle's plan does deliver extra returns over the simple four core asset ETF portfolios. It shows high quality funds can indeed add value.
To summarize, investors adopting Oracle Corporation 401(k) Savings and Investment Plan plan can achieve reasonable investment returns by adopting asset allocation strategies that are tailored to their risk profiles.
Symbols: ORCL, VTI, VEU, VWO, BND, FLPKX, DODGX, FCNKX, LZEMX, PTTRX
Exchange Tickers: (ORCL), (VTI), (VEU), (VWO), (BND), (VTIVX), (VFORX), (VTTHX), (VTHRX), (VTTVX), (VTWNX), (VTXVX), (VTENX), (VTOVX), (VTINX), (VFIFX), (FSIIX), (VIEIX), (VIIIX), (VBMPX), (FLPKX), (DODGX), (FGCKX), (FCNKX), (FWWFX), (DODFX), (ARTKX), (ARTVX), (LZEMX), (JMVAX), (TCMMX), (FBAKX), (PTTRX)
- Oracle Corporation 401(k) Savings and Investment Plan Report On 06/13/2011
06/13/2011
Retirement investing is a long term process. This report reviews Oracle Corporation 401(k) Savings and Investment Plan. We will discuss the investment choices and present the plan rating by MyPlanIQ. Current economic and market conditions are discussed in the context of the investment portfolios in the plan. We will then show how investors in Oracle Corporation 401(k) Savings and Investment Plan can achieve reasonable investment results using asset allocation strategies.
Plan Review and Rating
Oracle Corporation 401(k) Savings and Investment Plan consists of 30 funds. These funds enable participants to gain exposure to 4 major assets: US Equity, Foreign Equity, Emerging Market Equity, Fixed Income.
The plan has many high quality funds including Dodge & Cox stock (DODGX), Fidelity Contra (FCNTX), Lazard Emerign Markets (LZEMX), Fidelity Low Priced Stocks (FLPKX). Additionaly, Pimco's total return bond fund (PTTRX), managed by Bill Gross gives participants a solid choice in fixed income.
As of Jun 10, 2011, this plan investment choice is rated as above average based on MyPlanIQ Plan Rating methodology that measures the effectiveness of a plan's available investment funds. It has the following detailed ratings:
Diversification -- Rated as average (52%)
Fund Quality -- Rated as above average (75%)
Portfolio Building -- Rated as great (92%)
Overall Rating: above average (75%)Current Economic and Market Conditions
Last week marked the sixth week of losses in the U.S. stock market. Investors are now clearly in a risk off mode. Key observations include
- U.S. stock market index (Vanguard Total Stock Market Index (VTI)), for example, is now ranked below U.S. 7-10 long term treasury bonds (IEF) and just a notch above credit bond index (CFT) in our major trend table.
- For the time being, commodities (DBC) and Gold (GLD) are still holding first places, with international REITs (RWX) is still strong.
- On the fixed income side, long bonds (TLT) (LQD) are now trending higher while emerging market bonds (PCY) is still holding a higher place.
This shows investors' strong risk aversion but it is still not water shed flight to safety moment yet.
For more information on how these assets are ranked, please see here.
The following lists how major assets are ranked.
Major Asset Classes Trend
06/10/2011
Description Symbol 1 Week 4 Weeks 13 Weeks 26 Weeks 52 Weeks Trend Score US Stocks VTI -2.43% -5.02% -1.96% 4.63% 21.2% 3.28% International Developed Stks EFA -2.95% -2.44% -0.35% 3.57% 22.03% 3.97% Emerging Market Stks VWO -2.69% -0.43% 1.82% 3.41% 26.05% 5.63% Frontier Market Stks FRN 0.66% 1.19% 3.58% -5.35% 20.94% 4.21% US Equity REITs VNQ -4.25% -4.01% 1.18% 9.64% 20.52% 4.61% International REITs RWX -2.82% -0.55% 2.46% 6.52% 34.29% 7.98% Commodities DBC 0.1% 4.27% 2.68% 15.4% 37.95% 12.08% Gold GLD -0.65% 2.48% 7.97% 10.21% 24.36% 8.87% Total US Bonds BND 0.15% 1.01% 2.67% 4.0% 5.68% 2.7% International Treasury Bonds BWX -1.2% 1.93% 4.36% 10.12% 19.92% 7.03% Emerging Mkt Bonds PCY 0.18% 0.85% 4.25% 3.64% 12.83% 4.35% US Credit Bonds CFT 0.02% 0.37% 2.41% 4.69% 8.06% 3.11% US High Yield Bonds JNK -1.32% -2.13% -0.03% 6.5% 19.11% 4.43% Mortgage Back Bonds MBB -0.03% 0.78% 2.33% 3.48% 4.18% 2.15% Municipal Bonds MUB -0.51% 0.28% 4.31% 6.03% 2.98% 2.62% Intermediate Treasuries IEF 0.26% 2.14% 4.8% 5.55% 7.24% 4.0% Treasury Bills SHV -0.02% -0.04% 0.02% 0.07% 0.1% 0.03% 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 4 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
Emerging Market Equity: EEM or VWO
Fixed Income: AGG or BND
Performance chart (as of Jun 10, 2011)Performance table (as of Jun 10, 2011)
Portfolio Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe Oracle Corporation 401(k) Savings and Investment Plan Tactical Asset Allocation Moderate 10% 121% 10% 109% 13% 121% Oracle Corporation 401(k) Savings and Investment Plan Strategic Asset Allocation Moderate 16% 202% 7% 47% 8% 60% Four Core Asset ETF (EM) Benchmark Tactical Asset Allocation Moderate 4% 44% 6% 53% 10% 69% Four Core Asset ETF (EM) Benchmark Strategic Asset Allocation Moderate 18% 151% 3% 12% 6% 26% From the above table, one can see that Oracle's plan does deliver extra returns over the simple four core asset ETF portfolios. It shows high quality funds can indeed add value.
To summarize, investors adopting Oracle Corporation 401(k) Savings and Investment Plan plan can achieve reasonable investment returns by adopting asset allocation strategies that are tailored to their risk profiles.
Symbols: ORCL, VTI, VEU, VWO, BND, FLPKX, DODGX, FCNKX,LZEMX, PTTRX
Exchange Tickers: (ORCL), (VTI), (VEU), (VWO), (BND), (VTIVX), (VFORX), (VTTHX), (VTHRX), (VTTVX), (VTWNX), (VTXVX), (VTENX), (VTOVX), (VTINX), (VFIFX), (FSIIX), (VIEIX), (VIIIX), (VBMPX), (FLPKX), (DODGX), (FGCKX), (FCNKX), (FWWFX), (DODFX), (ARTKX), (ARTVX), (LZEMX), (JMVAX), (TCMMX), (FBAKX), (PTTRX) - Hewlett Packard 401K Report On 06/13/2011
06/13/2011
- Hewlett Packard 401K Report On 06232011
06/23/2011