Intel Corporation 401(k) Savings Plan  consists of 62 funds. These funds enable participants to gain exposure to 5 major assets: US Equity, Foreign Equity, Emerging Market Equity, REITs, Fixed Income.

 

Asset Class Ticker Name
LARGE BLEND GTVVX AIM Basic Value I
LARGE GROWTH PAPIX Allianz CCM Capital Appreciation Instl
Mid-Cap Growth PMCRX Allianz CCM Mid Cap R
LARGE VALUE TWEIX American Century Equity Income Inv
REAL ESTATE REAIX American Century Real Estate Instl
SMALL VALUE ACVIX American Century Small Cap Value Inst
SMALL BLEND ASCQX American Century Small Company Inst
Foreign Large Blend CEUFX American Funds EuroPacific Gr 529F
LARGE GROWTH RGAFX American Funds Growth Fund of Amer R5
World Allocation MALOX Blackrock Global Allocation I
SMALL BLEND PNSEX BlackRock Small Cap Value Instl
LARGE GROWTH BLUEX Brandywine Blue
Intermediate-Term Bond CBDIX Calvert Social Investment Bond I
LARGE GROWTH CEYIX Calvert Social Investment Equity I
Foreign Large Value DPIEX Delaware Pooled International Equity
LARGE VALUE DODGX Dodge & Cox Stock
WORLD BOND ESICX Evergreen International Bond Instl
High Yield Bond FAGIX Fidelity Capital & Income
LARGE GROWTH FCNTX Fidelity Contrafund
LARGE GROWTH FDGRX Fidelity Growth Company
MID-CAP BLEND FLPSX Fidelity Low-Priced Stock
Mid-Cap Growth FMCSX Fidelity Mid-Cap Stock
Moderate Allocation FPURX Fidelity Puritan
Conservative Allocation FISRX Franklin Income R
EQUITY PRECIOUS METALS GLDIX GAMCO Gold I
DIVERSIFIED EMERGING MKTS GMCEX GMO Emerging Countries III
MID-CAP VALUE GSMCX Goldman Sachs Mid Cap Value Instl
SMALL VALUE GSSIX Goldman Sachs Small Cap Value Inst
MID-CAP BLEND LMNSX Legg Mason Special Investment Instl
LARGE BLEND LMNVX Legg Mason Value Instl
LARGE BLEND LLPFX Longleaf Partners
Multisector Bond LSBDX Loomis Sayles Bond Instl
Long-Short MERFX Merger
Foreign Small/Mid Value MSISX Morgan Stanley Inst Intl Small Cap I
LARGE VALUE VLUDX Morgan Stanley Value I
SMALL BLEND PENNX Royce Pennsylvania Mutual Invt
Emerging Markets Bond PEMPX PIMCO Emerging Markets Bond P
High Yield Bond PHIYX PIMCO High Yield Instl
LONG GOVERNMENT PGOVX PIMCO Long-Term U.S. Government Instl
Intermediate-Term Bond PTRAX PIMCO Total Return Admin
Large Value Reserve P Primary Trend
LARGE GROWTH PRGFX T. Rowe Price Growth Stock
MID-CAP BLEND TGVOX TCW Value Opportunities I
WORLD STOCK TGADX Templeton Growth Adv
Convertibles VCVSX Vanguard Convertible Securities
LARGE GROWTH VIGRX Vanguard Growth Index
Inflation-Protected Bond VIPSX Vanguard Inflation-Protected Secs
LARGE BLEND VINIX Vanguard Institutional Index
Foreign Large Value VTRIX Vanguard International Value
Long-Term Bond VBLTX Vanguard Long-Term Bond Index
MID-CAP VALUE VMVIX Vanguard Mid-Cap Value Index Inv
Small Growth VISGX Vanguard Small Cap Growth Index
SMALL VALUE VISVX Vanguard Small Cap Value Index
MID-CAP BLEND VSEQX Vanguard Strategic Equity
LARGE VALUE VWNDX Vanguard Windsor
Intermediate-Term Bond BIV Vanguard Intermediate-Term Bond ETF
Intermediate-Term Bond WFBIX Barclays Global Investors Bond Index
DIVERSIFIED EMERGING MKTS LZEMX Lazard Emerging Markets Equity Instl
US EQUITY LQDT Liquidity Services, Inc.
DIVERSIFIED EMERGING MKTS SSEMX SSgA Emerging Markets
LARGE GROWTH QQQQ PowerShares QQQ
ROOT CASH CASH

 

Asset Class Number of funds
Balanced Fund 3
REITs 1
Fixed Income 12
Commodity 0
Sector Fund 1
Foreign Equity 5
Emerging Market Equity 3
US Equity 32
Other 5
Total 62

 

As of Dec 2, 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 (41%)
Portfolio Building — Rated as above average (81%)
Overall Rating: above average (74%)

Portfolio Discussions

In the current market environment, it is more critical to properly diversify and respond market changes. MyPlanIQ offers two asset allocation strategies: strategic and tactical asset allocation strategies (SAA and TAA for participants in Intel Corporation 401(k) Savings Plan).

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 Dec 2, 2011)

Performance table (as of Dec 2, 2011)

Currently US Equity, Fixed Income and Balance Fund are doing well. These asset classes are available to Intel Corporation 401(k) Savings Plan participants.

From the above, one can see that Intel’s fund choices do offer opportunity to out perform a pure five core asset ETFs plan.

Disclaimer: 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.