Find A Portfolio/Ticker
Comparison Box
MyPlanIQ
401k Investor
CITIZENS and NORTHERN CORPORATION SAVINGS and RETIREMENT PLAN
CITIZENS and NORTHERN CORPORATION SAVINGS and RETIREMENT PLAN Asset Allocation Composite Moderate
CITIZENS and NORTHERN CORPORATION SAVINGS and RETIREMENT PLAN Asset Allocation Composite Moderate
live (public) 0.01% May 01
Delayed
Holdings (As of 10/31/2025)
sign up and login first and then customize a new portfolio for the latest current holdings
| Asset | Fund in this portfolio | Price change* | Original Fund Description | Percentage |
|---|---|---|---|---|
| General Bond | FXNAX (FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS) | 0.09% | FXNAX | 39.82% |
| US Equity | FSPGX (FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS) | 0.32% | FSPGX | 10.76% |
| US Equity | FGROX (EMERALD GROWTH FUND INSTITUTIONAL CLASS) | 1.33% | FGROX | 11.01% |
| Real Estate | FREL (Fidelity MSCI Real Estate Index ETF) | 0.30% | FREL | 9.28% |
| International Equity | MIEIX (MFS INSTITUTIONAL INTERNATIONAL EQUITY FUND MFS INSTITUTIONAL INTERNATIONAL EQUITY FUND) | 0.02% | MIEIX | 9.60% |
| International Equity | FSPSX (FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS) | 0.07% | FSPSX | 10.39% |
| Emerging Market Equity | VEMAX (VANGUARD EMERGING MARKETS STOCK INDEX FUND ADMIRAL SHARES) | 0.66% | VEMAX | 9.04% |
| CASH | CASH (CASH) | 0.0% | CASH | -0.02% |
| CASH | CASH (CASH) | 0.0% | CASH | -0.02% |
* Day change on 10/31/2025.
Previous
Beta
Performance (As of 05/01/2026)
Since 12/31/2000
| Name | YTD* Return |
1Yr AR** |
3Yr AR** |
5Yr AR** |
10Yr AR** |
15Yr AR** |
|---|---|---|---|---|---|---|
| CITIZENS and NORTHERN CORPORATION SAVINGS and RETIREMENT PLAN Asset Allocation Composite Moderate | 3.4% | 13.9% | 9.5% | 5.7% | 6.5% | 4.9% |
| VFINX (Vanguard (S&P 500) Index) | 6.7% | 21.6% | 20.9% | 12.9% | 15.0% | 14.3% |
| VBINX (Vanguard Balance (60% stocks/40% bonds) | 4.3% | 14.9% | 13.9% | 7.1% | 9.4% | 9.2% |
* YTD: Year to Date
** AR: Annualized Return
** portfolio AR is delayed
| Last 1 Week* | YTD*(2026) | 1 Yr | 3 Yr | 5 Yr | 10 Yr | 15 Yr | 20 Yr | Since 01/02/2001 |
2025 | 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(%) | 0.2 | 3.4 | 13.9 | 9.5 | 5.7 | 6.5 | 4.9 | 4.8 | 4.4 | 12.0 | 4.7 | 10.1 | -9.1 | 10.4 | 4.8 | 16.2 | -5.2 | 13.4 | 4.5 | -1.0 | 0.3 | 4.4 | 7.7 | -0.5 | 4.1 | 5.9 | 1.1 | 5.8 | 7.7 | 3.2 | 4.0 | 5.0 | 1.0 | 1.1 |
| Sharpe Ratio | NA | 0.31 | 1.46 | 0.71 | 0.3 | 0.51 | NA | NA | 0.51 | 1.1 | 0.14 | 0.89 | -0.89 | 1.48 | 0.27 | 2.81 | -0.9 | 3.41 | 0.67 | -0.22 | 0.07 | 1.08 | 1.51 | -0.08 | 1.04 | 1.82 | 0.73 | 1.1 | 1.81 | 0.52 | 1.16 | 2.43 | -0.13 | -1.88 |
| Draw Down(%) | NA | 6.9 | 6.9 | 10.9 | 15.6 | 21.4 | NA | NA | 21.4 | 8.8 | 6.1 | 7.2 | 15.6 | 3.4 | 21.4 | 2.8 | 10.2 | 1.3 | 3.4 | 6.4 | 3.4 | 4.2 | 5.0 | 5.4 | 3.5 | 1.7 | 0.0 | 1.1 | 2.3 | 1.0 | 2.1 | 1.3 | 0.4 | 1.2 |
| Standard Deviation(%) | NA | 10.7 | 8.1 | 8.1 | 8.7 | 9.0 | NA | NA | 6.3 | 8.2 | 7.5 | 7.3 | 11.8 | 7.0 | 16.7 | 5.2 | 7.3 | 3.7 | 6.4 | 4.8 | 3.4 | 4.0 | 5.1 | 6.4 | 3.9 | 3.2 | 0.2 | 2.4 | 2.4 | 1.7 | 2.6 | 1.8 | 0.7 | 0.7 |
| Treynor Ratio | NA | 0.05 | 0.22 | 0.12 | 0.06 | 0.1 | NA | NA | 0.15 | 0.22 | 0.02 | 0.14 | -0.23 | 0.22 | 0.1 | 0.42 | -0.16 | 0.3 | 0.11 | -0.05 | 0.01 | 0.15 | 0.23 | -0.02 | 0.24 | 1.24 | -9.6 | 0.25 | 0.27 | 0.13 | 0.24 | 1.81 | -0.2 | -3.89 |
| Alpha | NA | 0.0 | -0.01 | -0.01 | -0.01 | 0.0 | NA | NA | 0.01 | 0.01 | -0.03 | -0.01 | 0.0 | -0.01 | -0.01 | 0.02 | -0.02 | 0.02 | 0.0 | 0.0 | -0.01 | -0.01 | 0.01 | 0.0 | 0.01 | 0.02 | 0.0 | 0.01 | 0.01 | 0.0 | 0.01 | 0.01 | 0.0 | -0.01 |
| Beta | NA | 0.67 | 0.54 | 0.47 | 0.46 | 0.45 | NA | NA | 0.21 | 0.41 | 0.48 | 0.47 | 0.46 | 0.48 | 0.45 | 0.35 | 0.4 | 0.43 | 0.41 | 0.23 | 0.22 | 0.29 | 0.33 | 0.24 | 0.17 | 0.05 | 0.0 | 0.11 | 0.16 | 0.07 | 0.13 | 0.02 | 0.0 | 0.0 |
| RSquared | NA | 0.78 | 0.67 | 0.7 | 0.77 | 0.8 | NA | NA | 0.41 | 0.76 | 0.64 | 0.72 | 0.87 | 0.81 | 0.86 | 0.71 | 0.86 | 0.59 | 0.68 | 0.54 | 0.51 | 0.65 | 0.7 | 0.77 | 0.61 | 0.16 | 0.0 | 0.51 | 0.44 | 0.18 | 0.29 | 0.05 | 0.03 | 0.01 |
| Sortino Ratio | NA | 0.46 | 2.15 | 1.0 | 0.43 | 0.68 | NA | NA | 0.69 | 1.55 | 0.19 | 1.33 | -1.25 | 2.12 | 0.34 | 4.26 | -1.14 | 5.74 | 0.9 | -0.3 | 0.1 | 1.54 | 2.31 | -0.11 | 1.53 | 2.81 | 9.34 | 1.61 | 2.76 | 0.78 | 1.59 | 3.91 | -0.17 | -2.17 |
| Yield(%) | N/A | 0.3 | 5.6 | 3.7 | 3.7 | 4.3 | 3.7 | 4.2 | 2.46 | 5.8 | 2.2 | 2.6 | 3.2 | 4.3 | 2.3 | 3.5 | 3.1 | 3.2 | 2.9 | 1.5 | 1.7 | 1.2 | 1.9 | 1.8 | 1.3 | 1.1 | 0.9 | 4.6 | 4.8 | 2.8 | 2.5 | 1.3 | 1.1 | 2.2 |
| Dividend Growth(%) | N/A | -93.5 | 204.2 | 15.3 | 59.1 | 153.8 | N/A | N/A | N/A | 171.6 | -6.1 | -26.8 | -16.8 | 93.8 | -21.9 | 6.7 | 7.5 | 16.7 | 90.5 | -11.0 | 43.9 | -32.2 | 6.2 | 45.0 | 30.0 | 17.1 | -78.6 | 1.7 | 79.5 | 17.1 | 98.5 | 22.1 | -50.2 | N/A |
*: NOT annualized;YTD: Year to Date
**Inception: starting from 12/31/2000
Portfolio Description
The risk profile of this portfolio is 40%. The total allocation of the fixed income asset should be at least 40%.
The portfolio’s stock (risk asset) allocation can be dynamically reduced when stock or risk asset markets are in a downtrend.
This portfolio belongs to CITIZENS and NORTHERN CORPORATION SAVINGS and RETIREMENT PLAN.
Register for FREE
No Credit Card Required
Or Start FREE 30-day trial now >>
Or Start FREE 30-day trial now >>