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MyPlanIQ 401k Investor CYBERTHINK INC. 401K PROFIT SHARING PLAN CYBERTHINK INC. 401K PROFIT SHARING PLAN Strategic Asset Allocation - Optimal Moderate

CYBERTHINK INC. 401K PROFIT SHARING PLAN Strategic Asset Allocation - Optimal Moderate

live (public) 0.12% January 08

Delayed Holdings (As of 10/31/2024)

Holdings
Expense & Dividend
Historical Transactions & Holdings

Asset	Fund in this portfolio	Price change*	Original Fund Description	Percentage
General Bond	FSTAX (FIDELITY ADVISOR STRATEGIC INCOME FUND CLASS A) Add to Compare	0.26%	FSTAX	39.90%
US Equity	NEIAX (COLUMBIA LARGE CAP INDEX FUND COLUMBIA LARGE CAP INDEX FUND CLASS A) Add to Compare	1.86%	NEIAX	12.11%
US Equity	MITHX (MASSACHUSETTS INVESTORS TRUST R3) Add to Compare	1.26%	MITHX	11.97%
Real Estate	FRINX (FIDELITY REAL ESTATE INCOME FUND FIDELITY ADVISOR REAL ESTATE INCOME FUND: CLASS A) Add to Compare	0.33%	FRINX	8.65%
Emerging Market Equity	ODMAX (Oppenheimer Developing Markets A) Add to Compare	0.83%	ODMAX	9.07%
International Equity	OIDAX (Oppenheimer International Diversified A) Add to Compare	0.97%	OIDAX	18.30%

* Day change on 10/31/2024.

Transaction	Date	Fund in this portfolio	Original Fund Description	Portfolio Percentage(%)	Amount
Sell	08/01/2024	CASH(CASH) Add to Compare	CASH	0.07%	47.937
Buy	08/01/2024	MITHX(MASSACHUSETTS INVESTORS TRUST R3) Add to Compare	MITHX	1.07%	756.542
Sell	08/01/2024	NEIAX(COLUMBIA LARGE CAP INDEX FUND COLUMBIA LARGE CAP INDEX FUND CLASS A) Add to Compare	NEIAX	1.01%	708.605

Next Rebalance Date: 02/03/2025

Beta

Performance (As of 01/08/2025)

Performance
More Analytics
Chart
Tax Impact

Since 12/31/2000

Name	YTD* Return	1Yr AR**	3Yr AR**	5Yr AR**	10Yr AR**	15Yr AR**
CYBERTHINK INC. 401K PROFIT SHARING PLAN Strategic Asset Allocation - Optimal Moderate	3.9%	20.7%	-0.0%	4.9%	5.3%	6.1%
VFINX (Vanguard (S&P 500) Index)	9.3%	19.7%	18.8%	16.4%	13.8%	14.4%
VBINX (Vanguard Balance (60% stocks/40% bonds)	6.6%	13.0%	11.5%	8.7%	8.6%	9.3%

* YTD: Year to Date
** AR: Annualized Return
** portfolio AR is delayed

	Last 1 Week*	YTD*(2025)	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	15 Yr	20 Yr	20 Yr	Since 01/02/2001	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001
Annualized Return(%) ?	-1.0	3.9	20.7	-0.0	4.9	5.3	6.1	7.0	7.9	8.3	8.4	4.0	11.6	-16.7	5.9	16.4	20.9	-4.9	14.1	5.1	-0.6	2.5	12.9	16.1	-2.9	17.3	84.6	-31.0	12.5	12.1	11.4	16.4	31.4	-3.0	4.4
Sharpe Ratio ?	NA	0.01	-0.15	-0.47	0.08	0.34	NA	NA	NA	NA	0.59	-0.34	0.91	-1.31	0.61	0.87	2.93	-0.68	3.01	0.61	-0.08	0.41	2.01	2.49	-0.2	1.51	2.59	-1.49	0.91	1.2	1.41	1.95	3.76	-0.39	0.22
Draw Down(%) ?	NA	0.4	6.1	22.3	25.3	25.3	NA	NA	NA	NA	43.7	6.1	8.9	22.7	6.7	25.3	3.0	12.1	1.9	7.6	8.9	5.6	7.1	5.4	15.5	9.5	17.3	40.4	7.5	9.0	5.3	7.7	5.9	19.1	12.9
Standard Deviation(%) ?	NA	4.4	7.7	10.3	12.3	10.1	NA	NA	NA	NA	12.2	7.8	8.0	13.8	9.7	18.5	6.7	9.2	4.5	8.0	7.7	6.1	6.4	6.5	14.6	11.4	32.6	21.4	10.4	7.4	6.5	7.9	8.2	10.5	9.3
Treynor Ratio ?	NA	0.0	-0.02	-0.09	0.02	0.07	NA	NA	NA	NA	0.14	-0.05	0.14	-0.35	0.1	0.33	0.42	-0.12	0.26	0.09	-0.01	0.05	0.25	0.35	-0.05	0.29	1.48	-0.65	0.16	0.14	0.17	0.26	0.72	-0.11	0.06
Alpha	NA	-0.03	-0.04	-0.03	-0.02	-0.01	NA	NA	NA	NA	0.02	-0.04	-0.01	-0.03	-0.03	0.03	0.03	-0.01	0.01	0.0	0.0	-0.01	0.0	0.04	-0.01	0.03	0.21	-0.06	0.03	0.01	0.03	0.04	0.07	0.02	0.03
Beta	NA	0.3	0.53	0.53	0.51	0.5	NA	NA	NA	NA	0.5	0.54	0.52	0.52	0.58	0.49	0.46	0.5	0.52	0.56	0.44	0.49	0.51	0.46	0.6	0.6	0.57	0.49	0.6	0.64	0.54	0.6	0.43	0.37	0.37
RSquared ?	NA	0.91	0.75	0.8	0.79	0.79	NA	NA	NA	NA	0.59	0.75	0.73	0.84	0.61	0.84	0.76	0.86	0.6	0.82	0.79	0.82	0.79	0.81	0.92	0.9	0.18	0.88	0.85	0.76	0.73	0.7	0.8	0.83	0.73
Sortino Ratio ?	NA	0.01	-0.21	-0.65	0.1	0.45	NA	NA	NA	NA	0.91	-0.46	1.36	-1.77	0.85	1.1	4.4	-0.87	4.67	0.83	-0.11	0.57	2.85	3.98	-0.27	2.16	7.89	-1.9	1.24	1.77	2.04	2.75	6.1	-0.55	0.3
Yield(%)	N/A	N/A	2.5	3.5	4.8	4.7	6.2	6.2	10.4	10.4	4.17	2.5	3.1	5.4	5.9	4.5	3.0	2.7	0.3	1.9	4.8	3.4	4.0	4.3	4.1	3.7	4.4	6.3	7.2	4.8	4.9	3.9	3.4	3.6	5.7
Dividend Growth(%)	N/A	N/A	-13.5	-8.7	140.1	70.2	N/A	N/A	N/A	N/A	N/A	-13.5	-51.4	-2.3	48.9	82.6	5.7	828.4	-81.7	-60.1	46.4	-6.8	7.6	3.0	30.8	55.9	-51.4	-2.4	66.1	11.3	45.8	48.0	-6.4	-34.7	N/A

	Last 1 Week*	YTD*(2025)	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	15 Yr	20 Yr	20 Yr	Since 01/02/2001	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001
Annualized Return(%) ?	-1.0	3.9	20.7	-0.0	4.9	5.3	6.1	7.0	7.9	8.3	8.4	4.0	11.6	-16.7	5.9	16.4	20.9	-4.9	14.1	5.1	-0.6	2.5	12.9	16.1	-2.9	17.3	84.6	-31.0	12.5	12.1	11.4	16.4	31.4	-3.0	4.4
Sharpe Ratio ?	NA	0.01	-0.15	-0.47	0.08	0.34	NA	NA	NA	NA	0.59	-0.34	0.91	-1.31	0.61	0.87	2.93	-0.68	3.01	0.61	-0.08	0.41	2.01	2.49	-0.2	1.51	2.59	-1.49	0.91	1.2	1.41	1.95	3.76	-0.39	0.22
Draw Down(%) ?	NA	0.4	6.1	22.3	25.3	25.3	NA	NA	NA	NA	43.7	6.1	8.9	22.7	6.7	25.3	3.0	12.1	1.9	7.6	8.9	5.6	7.1	5.4	15.5	9.5	17.3	40.4	7.5	9.0	5.3	7.7	5.9	19.1	12.9
Standard Deviation(%) ?	NA	4.4	7.7	10.3	12.3	10.1	NA	NA	NA	NA	12.2	7.8	8.0	13.8	9.7	18.5	6.7	9.2	4.5	8.0	7.7	6.1	6.4	6.5	14.6	11.4	32.6	21.4	10.4	7.4	6.5	7.9	8.2	10.5	9.3
Treynor Ratio ?	NA	0.0	-0.02	-0.09	0.02	0.07	NA	NA	NA	NA	0.14	-0.05	0.14	-0.35	0.1	0.33	0.42	-0.12	0.26	0.09	-0.01	0.05	0.25	0.35	-0.05	0.29	1.48	-0.65	0.16	0.14	0.17	0.26	0.72	-0.11	0.06
Alpha	NA	-0.03	-0.04	-0.03	-0.02	-0.01	NA	NA	NA	NA	0.02	-0.04	-0.01	-0.03	-0.03	0.03	0.03	-0.01	0.01	0.0	0.0	-0.01	0.0	0.04	-0.01	0.03	0.21	-0.06	0.03	0.01	0.03	0.04	0.07	0.02	0.03
Beta	NA	0.3	0.53	0.53	0.51	0.5	NA	NA	NA	NA	0.5	0.54	0.52	0.52	0.58	0.49	0.46	0.5	0.52	0.56	0.44	0.49	0.51	0.46	0.6	0.6	0.57	0.49	0.6	0.64	0.54	0.6	0.43	0.37	0.37
RSquared ?	NA	0.91	0.75	0.8	0.79	0.79	NA	NA	NA	NA	0.59	0.75	0.73	0.84	0.61	0.84	0.76	0.86	0.6	0.82	0.79	0.82	0.79	0.81	0.92	0.9	0.18	0.88	0.85	0.76	0.73	0.7	0.8	0.83	0.73
Sortino Ratio ?	NA	0.01	-0.21	-0.65	0.1	0.45	NA	NA	NA	NA	0.91	-0.46	1.36	-1.77	0.85	1.1	4.4	-0.87	4.67	0.83	-0.11	0.57	2.85	3.98	-0.27	2.16	7.89	-1.9	1.24	1.77	2.04	2.75	6.1	-0.55	0.3
Yield(%)	N/A	N/A	2.5	3.5	4.8	4.7	6.2	6.2	10.4	10.4	4.17	2.5	3.1	5.4	5.9	4.5	3.0	2.7	0.3	1.9	4.8	3.4	4.0	4.3	4.1	3.7	4.4	6.3	7.2	4.8	4.9	3.9	3.4	3.6	5.7
Dividend Growth(%)	N/A	N/A	-13.5	-8.7	140.1	70.2	N/A	N/A	N/A	N/A	N/A	-13.5	-51.4	-2.3	48.9	82.6	5.7	828.4	-81.7	-60.1	46.4	-6.8	7.6	3.0	30.8	55.9	-51.4	-2.4	66.1	11.3	45.8	48.0	-6.4	-34.7	N/A

*: NOT annualized;YTD: Year to Date
**Inception: starting from 12/31/2000

The start date of the charts is 01/02/2001 when all charts have data

Portfolio Description

This model portfolio uses Strategic Asset Allocation - Optimal strategy. Asset weights of available asset classes in CYBERTHINK INC. 401K PROFIT SHARING PLAN are derived based on long term asset trends and their correlations. For each major asset class, one or two funds are selected:

1. Risk allocation: the risk profile of this portfolio is 40. The total allocation of the fixed income asset should be at least 40%.

2. Asset weights:

3. Fund selection: one or two top performing funds among 21 available funds in the plan are chosen for each asset. They are usually equally weighted within the asset by default. Volatile funds or ETFs with small trading volume are ignored.

4. Rebalance frequency: the portfolio is reviewed by the strategy program monthly and the above steps are repeated. Asset weights are rebalanced back to target allocation if it is necessary.

5. Simulation: Performance data before this portfolio went public are obtained from historical simulation. They are hypothetical.

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