Schwab OneSource Annuity _backup Investment Model Portfolios

Charles Schwab Income Choice Variable Annuity is provided by Nationwide Financial. IMPORTANT NOTE: because EvergreenPlans does not have Fidelity VIP fund data, all of these funds are substituted by their Fidelity Advisor equivalents. We believe the Fidelity Advisor funds should closely track their VIP fund correspondents.

Investment options of Schwab OneSource Annuity _backup

Total Available Funds: 62

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Growth	AIEVX	AIM V.I. International Growth Fund – Series I Shares
Foreign Large Growth	AWPIX	AllianceBernstein VPS International Growth Portfolio – Class A Shares
Foreign Large Value	AIVIX	AllianceBernstein VPS International Value Portfolio – Class A Shares
Foreign Large Value	MINIX	MFS International Value Portfolio – Service Class Shares
WORLD STOCK	OGLYX	Oppenheimer Global Securities Fund/VA – Non Service Shares
Foreign Large Growth	OIGNX	Oppenheimer International Growth Fund/VA – Non Service Shares

US EQUITY
MID-CAP BLEND	GTAVX	AIM V.I. Mid Cap Core Equity Fund – Series I Shares
SMALL BLEND	SMEAX	AIM V.I. Small Cap Equity Fund – Series I Shares
LARGE GROWTH	AAGOX	Alger Large Cap Growth Portfolio I-2 Shares
Mid-Cap Growth	AMGOX	Alger Mid Cap Growth Portfolio I-2 Shares
LARGE VALUE	ABVIX	AllianceBernstein VPS Real Estate Investment Portfolio – Class A Shares
MID-CAP VALUE	ABASX	AllianceBernstein VPS Small/Mid Cap Value Portfolio – Class A Shares
LARGE VALUE	AMADX	American Century VP Income & Growth Fund – Class I Shares
MID-CAP VALUE	AVUAX	American Century VP Mid Cap Value Fund – Class II Shares
LARGE VALUE	TWADX	American Century VP Value Fund – Class I Shares
LARGE GROWTH	NMTBX	Columbia VIT Marsico 21st Century Fund – Class B Shares
SMALL VALUE	CSSBX	Columbia VIT Small Cap Value Fund – Class B Shares
Mid-Cap Growth	DFCIX	Delaware VIP Growth Opportunities Series – Standard Class Shares
SMALL VALUE	DEVLX	Delaware VIP Small Cap Value Series – Standard Class Shares
LARGE BLEND	DGAGX	Dreyfus Variable Investment Fund Appreciation Portfolio – Initial Shares
LARGE BLEND	KBCAX	DWS Blue Chip VIP – Class A Shares
LARGE GROWTH	SDGAX	DWS Capital Growth VIP – Class A Shares
SMALL BLEND	KDSAX	DWS Dreman Small Mid Cap Value VIP – Class A Shares
LARGE VALUE	KDCAX	DWS Large Cap Value VIP – Class A Shares
Small Growth	SSDAX	DWS Small Cap Index VIP – Class A Shares
SMALL VALUE	FBVAX	Franklin Small Cap Value Securities Fund – Class II Shares
LARGE GROWTH	JGIIX	Janus Aspen Growth and Income Portfolio – Service Shares
Mid-Cap Growth	BGRFX	LVIP Baron Growth Opportunities Fund – Service Shares
Small Growth	PGOFX	Pioneer Growth Opportunities VCT Portfolio – Class I Shares
MID-CAP VALUE	PCGRX	Pioneer Mid Cap Value VCT Portfolio – Class II Shares
Small Growth	FUND	Royce Capital Funds
MID-CAP BLEND	RMVSX	– Royce Capital Fund Small Cap Portfolio – Service Class Shares
LARGE BLEND	SWHGX	Schwab MarketTrack Growth Portfolio IITM
LARGE BLEND	SWPPX	Schwab S&P 500 Index Portfolio
Small Growth	SIGWX	– Sentinel Variable Products Small Company Fund
LARGE BLEND	SICWX	– Sentinel Variable Products Common Stock Fund
Mid-Cap Growth	TEGAX	Touchstone Mid Cap Growth Fund – Class I Shares
LARGE VALUE	ACSDX	Van Kampen LIT Comstock – Class I Shares
LARGE VALUE	ACGMX	Van Kampen LIT Growth & Income – Class I Shares
Mid-Cap Growth	WFDDX	Wells Fargo Advantage VT Discovery Fund – Class VT Shares
MID-CAP BLEND	SOPVX	Wells Fargo Advantage VT Opportunity Fund – Class VT Shares

Others
Moderate Allocation	ABINX	American Century VP Balanced Fund – Class I Shares
Health	SUHAX	DWS Health Care VIP – Class A Shares
Moderate Allocation	JABLX	Janus Aspen Balanced Portfolio – Service Shares
Utilities	MMUIX	MFS Utilities Series – Service Class Shares
EQUITY	IVGN	NVIT Mid Cap Index Portfolio – Class II Shares
EQUITY	PRU	Prudential Series Fund Equity Portfolio – Class II Shares
EQUITY	PRU	Prudential Series Fund Natural Resources Portfolio – Class II Shares
ROOT	CASH	Schwab Money Market PortfolioTM
Technology	SLMBX	Seligman Communication & Information Fund – Class 2 Shares
ROOT	BRGRX	– Sentinel Variable Products Bond Fund
EQUITY PRECIOUS METALS	INIIX	Van Eck Insurance Trust Worldwide Bond Fund – Class I Shares
Natural Resources	GHAIX	Van Eck Insurance Trust Worldwide Hard Assets Fund – Class S Shares
ROOT	CASH	Money market substitute

FIXED INCOME
Intermediate Government	FUSBX	Federated Fund for U.S. Government Securities II
Intermediate-Term Bond	JAFLX	Janus Aspen Flexible Bond Portfolio – Service Shares
High Yield Bond	PHLPX	PIMCO VIT High Yield Portfolio – Administrative Class Shares
Short-Term Bond	PLDAX	PIMCO VIT Low Duration Portfolio – Administrative Class Shares
Intermediate-Term Bond	PTTPX	PIMCO VIT Total Return Portfolio – Administrative Class Shares
High Yield Bond	PHT	Pioneer Fund VCT Portfolio – Class I Shares

Emerging Market
DIVERSIFIED EMERGING MKTS	LZEMX	Lazard Retirement Emerging Markets Equity Series Portfolio – Service Class Shares
DIVERSIFIED EMERGING MKTS	PBEFX	Pioneer Emerging Markets VCT Portfolio – Class II Shares

Investment model portfolios

We provide two types of investment model portfolios for Schwab OneSource Annuity _backup participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.

Customize a model portfolio now

Example model portfolios

The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.

Strategic Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
Schwab OneSource Annuity _backup Tactical Asset Allocation Moderate	NA	-8.05%	2.54%	2.00%	3.10%	4.54%	7.33%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	-9.36%	11.22%	10.91%	13.22%	9.08%	9.69%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	-11.36%	3.59%	4.12%	5.87%	4.54%	6.22%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	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	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	Schwab OneSou… Moderate	0.09	-8.05	2.54	2.00	3.10	4.54	7.33	…	…	NA	NA	NA	6.29	-12.00	5.76	13.36	8.27	-4.37	9.54	4.76	-5.88	1.54	10.33	8.86	-1.17	7.25	28.84	-2.06	18.75	20.38	15.22	11.05	15.66	0.41	6.56	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	1.35	-9.36	11.22	10.91	13.22	9.08	9.69	…	…	NA	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	1.16	-11.36	3.59	4.12	5.87	4.54	6.22	…	…	NA	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	Schwab OneSou… Moderate	NA	-0.55	0.30	0.19	0.37	NA	NA	…	…	NA	NA	NA	0.63	-1.59	0.55	1.49	1.12	-0.71	1.69	0.87	-1.04	0.23	1.72	2.64	-0.13	0.69	2.99	-0.54	1.26	1.78	2.11	1.15	2.72	-0.15	1.31	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	Schwab OneSou… Moderate	NA	8.64	9.36	8.52	7.31	NA	NA	…	…	NA	NA	NA	9.58	8.40	10.42	8.79	6.11	8.04	5.27	5.23	5.66	6.77	5.99	3.33	9.29	10.30	9.62	5.53	12.52	9.62	6.19	8.80	5.51	4.72	3.25	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	Schwab OneSou… Moderate	NA	11.13	13.07	13.07	13.07	NA	NA	…	…	NA	NA	NA	1.15	13.07	7.16	10.61	4.47	10.51	2.25	4.89	10.46	6.49	5.11	3.10	9.35	8.78	4.56	9.51	9.81	13.10	5.55	10.41	7.28	5.49	2.16	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	Schwab OneSou… Moderate	NA	4.42	5.98	5.27	4.77	NA	NA	…	…	NA	NA	NA	0.07	4.22	6.72	7.10	4.90	3.75	0.53	4.42	4.78	7.41	4.24	4.83	5.54	4.90	3.04	4.75	7.84	7.35	6.28	2.43	2.15	2.75	5.82	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.18	1.60	1.52	2.78	3.91	3.46	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.51	6.00	4.34	4.54	4.38	4.18	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 11/30/2022, Common starting date is 12/31/2000

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