MyPlanIQ 401k Investor Vanguard Variable Annuity

Vanguard Variable Annuity

This Plan is unrated.
Investment Options
Total Available Funds: 15
Asset Class Ticker Description Rating
REAL ESTATE
REAL ESTATE VGSLX VGSLX,VVA-REIT Index
INTERNATIONAL EQUITY
Foreign Large Blend VGTSX VGTSX,VVA-International
Others
Moderate Allocation VBAIX VBAIX,VVA-Balanced
ROOT CASH CASH,VVA-Money Market
FIXED INCOME
High Yield Bond VWEAX VWEAX,VVA-High Yield Bond
Short-Term Bond VFSTX VFSTX,VVA-Short-Term Invest-Gr
Intermediate-Term Bond VBMFX VBMFX,VVA-Total Bond Market Idx
US EQUITY
LARGE BLEND VLISX VLISX,VVA-Equity Index
MID-CAP BLEND VIMSX VIMSX,VVA-Mid-Cap Index
LARGE BLEND VTSMX VTSMX,VVA-Ttl Stock Market Idx
Total Available Funds: 15
Asset Class Ticker Description Rating
REAL ESTATE
REAL ESTATE VGSLX VGSLX,VVA-REIT Index
INTERNATIONAL EQUITY
Foreign Large Blend VGTSX VGTSX,VVA-International
Others
Moderate Allocation VBAIX VBAIX,VVA-Balanced
ROOT CASH CASH,VVA-Money Market
FIXED INCOME
High Yield Bond VWEAX VWEAX,VVA-High Yield Bond
Short-Term Bond VFSTX VFSTX,VVA-Short-Term Invest-Gr
Intermediate-Term Bond VBMFX VBMFX,VVA-Total Bond Market Idx
US EQUITY
LARGE BLEND VLISX VLISX,VVA-Equity Index
MID-CAP BLEND VIMSX VIMSX,VVA-Mid-Cap Index
LARGE BLEND VTSMX VTSMX,VVA-Ttl Stock Market Idx
LARGE GROWTH VIGAX VIGAX,VVA-Growth
LARGE VALUE VEIPX VEIPX,VVA-Equity Income
Small Growth VSGAX VSGAX,VVA-Small Company Growth
LARGE GROWTH VHCAX VHCAX,VVA-Capital Growth
LARGE BLEND VDEQX VDEQX,VVA-Diversified Value
Total Available Funds: 15
  • R*: Redemption (Minimum months to hold).
  • RT: Round Trip (number of times allowed to buy/sell in trailing 12 months).
  • WP: Waiting Period (minimum months to wait before buy again).
  • M*:Mark (p: proxy, n: not used).
Asset Class Ticker Description Rating R* RT WP Expense Yield
REAL ESTATE
REAL ESTATE VGSLX VGSLX,VVA-REIT Index 51% 1 2 2 0.12% 3.43%
INTERNATIONAL EQUITY
Foreign Large Blend VGTSX VGTSX,VVA-International 16% 1 2 2 0.22% 3%
Others
Moderate Allocation VBAIX VBAIX,VVA-Balanced 58% 1 2 2 0.08% 2.19%
ROOT CASH CASH,VVA-Money Market 0% 1 60 0 NA 1.27%
FIXED INCOME
High Yield Bond VWEAX VWEAX,VVA-High Yield Bond 92% 1 2 2 0.13% 5.41%
Short-Term Bond VFSTX VFSTX,VVA-Short-Term Invest-Gr 85% 1 2 2 0.2% 2.83%
Intermediate-Term Bond VBMFX VBMFX,VVA-Total Bond Market Idx 61% 1 2 2 0.2% 2.65%
US EQUITY
LARGE BLEND VLISX VLISX,VVA-Equity Index 94% 1 2 2 0.08% 1.87%
MID-CAP BLEND VIMSX VIMSX,VVA-Mid-Cap Index 89% 1 2 2 0.24% 0.84%
LARGE BLEND VTSMX VTSMX,VVA-Ttl Stock Market Idx 80% 1 2 2 0.17% 1.16%
LARGE GROWTH VIGAX VIGAX,VVA-Growth 78% 1 2 2 0.1% 1.17%
LARGE VALUE VEIPX VEIPX,VVA-Equity Income 78% 1 2 2 0.31% 4.37%
Small Growth VSGAX VSGAX,VVA-Small Company Growth 65% 1 2 2 0.1% 0.79%
LARGE GROWTH VHCAX VHCAX,VVA-Capital Growth 34% 1 2 2 0.41% 4.34%
LARGE BLEND VDEQX VDEQX,VVA-Diversified Value 22% 1 2 2 0.41% 0.99%
Average Expense Ratio: 0.2%
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Model Portfolios
Strategic Asset Allocation - Equal Weight: Click here to see this strategy description
Equal Weight & Regular Rebalance YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click for Portfolio Details or Follow 0.2% 4.4% 4.1% 6.0% 6.0% 5.7%

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Asset Allocation Composite: Click here to see this strategy description
Strategic Asset Allocation with Dynamic Risk Adjustment YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click for Portfolio Details or Follow 0.9% 5.0% 5.9% 6.8% 7.0% 8.0%

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*     AR: Annualized Return
**   YTD: Year to Date (not annualized)
*** The above portfolios are of moderate risk, which means that more than 40% of assets are in fixed income funds.


Description
The plan consists of 15 funds. It covers 4 major asset classes and 12 minor asset classes. The major asset classes it covers are US Equity, Fixed Income, REITs and Foreign Equity.

Vanguard Variable Annuity provides investment options in VVA (Vanguard Variable Annuity) funds. Vanguard has an excessive trading policy which is different from most of brokerages: it imposes 60 days waiting period before one could repurchase a fund again afer selling the fund.  IMPORTANT NOTE: because MyPlanIQ does not have VVA fund data, all of these funds are substituted by their Vanguard mutual fund equivalents. We believe the Vanguard mutual funds should closely track their corresponding VVA funds.

The following is the excerpt on the Vanguard Variable Annuity exchange policy from its prospectus. Based on the description, MyPlanIQ has yet to work out a way to handle so caled 'round trip' limitation. We will fix this shortly.

L I M I T A T I O N S  ON Exchanges


Because excessive exchanges can disrupt management of the Fund and increase the Fund’s costs for
all Contract Owners, the Fund limits exchanges as follows:
■ You may make no more than two substantive round trips through a Portfolio (not including the
Money Market Portfolio) during any 12-month period.
■ The Fund and the Company may refuse an exchange at any time, for any reason.
■ The Company may revoke a Contract Owner’s exchange privilege at any time, for any reason.
A round trip is a redemption from a Portfolio followed by a purchase back into the Portfolio. Also, round
trip covers transactions accomplished by any combination of methods, including transactions conducted
by check, wire, or exchange to or from another Vanguard fund. “Substantive” means a dollar amount
that Vanguard determines, in its sole discretion, could adversely affect the management of the Fund.

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