Schwab Select Annuity Investment Model Portfolios

Charles Schwab Income Choice Variable Annuity is provided by Nationwide Financial. IMPORTANT NOTE: because MyPlanIQ 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 Select Annuity

Total Available Funds: 98

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Growth	AIEVX	AIM V.I. International Growth Fund – Series I Shares
Foreign Large Growth	AWPAX	AllianceBernstein VPS International Growth Portfolio – Class A Shares
Foreign Large Value	ABIAX	AllianceBernstein VPS International Value Portfolio – Class A Shares
WORLD STOCK	OGLYX	Oppenheimer Global Securities Fund/VA – Non Service Shares
WORLD STOCK	JWGRX	Janus Aspen Overseas Portfolio – Service Shares
WORLD STOCK	AWSAX	Invesco V.I. Core Equity Fund – Series I Shares (closed to transfers & new premiums)
Foreign Large Growth	AIIYX	Invesco V.I. International Growth Fund – Series I Shares
Foreign Large Growth	JAIGX	Janus Aspen Overseas Portfolio – Institutional Shares (closed to transfers & new premiums)
WORLD STOCK	JAWGX	Janus Aspen Global Research Portfolio – Institutional Shares (closed to transfers & new premiums)
Foreign Large Value	MINIX	MFS International Value Portfolio – Service Class Shares
Foreign Large Value	TEMFX	Templeton Foreign Securities Fund – Class II Shares
WORLD STOCK	TAVFX	Third Avenue Value Portfolio – Variable Series Trust Shares(closed to transfers & new premiums)

US EQUITY
MID-CAP BLEND	GTAVX	AIM V.I. Mid Cap Core Equity Fund – Series I Shares
SMALL BLEND	SMEIX	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
MID-CAP VALUE	ABASX	AllianceBernstein VPS Small/Mid Cap Value Portfolio – Class A Shares
MID-CAP VALUE	AVUAX	American Century VP Mid Cap Value Fund – Class II Shares
LARGE VALUE	AVLIX	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
LARGE VALUE	MEIIX	MFS International Value Portfolio – Service Class Shares
MID-CAP BLEND	GMCBX	NVIT Mid Cap Index Portfolio – Class II Shares
LARGE BLEND	PIODX	Pioneer Fund VCT Portfolio – Class I Shares
Small Growth	PGOFX	Pioneer Growth Opportunities VCT Portfolio – Class I Shares
MID-CAP VALUE	IPVIX	Pioneer Mid Cap Value VCT Portfolio – Class II Shares
LARGE BLEND	PJIAX	Prudential Series Fund Equity Portfolio – Class II Shares
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 BLEND	SOPVX	Wells Fargo Advantage VT Opportunity Fund – Class VT Shares
SMALL BLEND	SMEYX	Invesco V.I. Small Cap Equity Fund – Series I Shares
LARGE VALUE	CABDX	AllianceBernstein VPS Growth & Income Portfolio – Class A Shares (closed to transfers & new premiums)
LARGE GROWTH	AGRFX	AllianceBernstein VPS Growth Portfolio – Class A Shares (closed to transfers & new premiums)
MID-CAP VALUE	ABSKX	AllianceBernstein VPS Small/Mid Cap Value Portfolio – Class A Shares
MID-CAP VALUE	ACLAX	American Century VP Mid Cap Value Fund – Class II Shares
Mid-Cap Growth	DFDIX	Delaware VIP Smid Cap Growth Series – Standard Class Shares
SMALL VALUE	DEVIX	Delaware VIP Small Cap Value Series – Standard Class Shares
MID-CAP BLEND	PESPX	Dreyfus Investment Portfolios MidCap Stock Portfolio – Inital Shares (closed to transfers & new premiums)
SMALL BLEND	DSCVX	Dreyfus Variable Investment Fund Opportunistic Small Cap Portfolio – Initial Shares (closed to transfers & new premiums)
LARGE GROWTH	DGRIX	Dreyfus Variable Investment Fund Growth & Income Portfolio – Initial Shares (closed to transfers & new premiums)
LARGE BLEND	SUWAX	DWS Core Equity VIP – Class A Shares
LARGE BLEND	SCDGX	DWS Growth & Income VIP – Class A Shares (closed to transfers & new premiums)
SMALL BLEND	SZCAX	DWS Small Cap Index VIP – Class A Shares
SMALL VALUE	FRVLX	Franklin Small Cap Value Securities Fund – Class II Shares
LARGE GROWTH	JAGRX	Janus Aspen Janus Portfolio – Institutional Shares (closed to transfers & new premiums)
LARGE GROWTH	HGOYX	LVIP Baron Growth Opportunities Fund – Service Shares
MID-CAP VALUE	NBRVX	Neuberger Berman Mid Cap Intrinsic Value Portfolio – Class S Shares (closed to transfers & new premiums)
LARGE BLEND	PYODX	Pioneer Fund VCT Portfolio – Class I Shares
Mid-Cap Growth	PMTYX	Pioneer Select Mid Cap Growth VCT Portfolio – Class I Shares
MID-CAP VALUE	IPVSX	Pioneer Mid Cap Value VCT Portfolio – Class II Shares
LARGE VALUE	PEIYX	Putnam VT Equity Income Fund – Class IB Shares
SMALL Cap	RCPFX	Royce Capital Fund Small Cap Portfolio – Service Class Share
Mid-Cap Growth	TEGYX	Touchstone Mid Cap Growth Fund
SMALL BLEND	SSMVX	Wells Fargo Advantage VT Small Cap Value Fund – Class 2 Shares (closed to transfers & new premiums)
MID-CAP BLEND	SOPFX	Wells Fargo Advantage VT Opportunity Fund – Class 2 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
ROOT	CASH	Schwab Money Market PortfolioTM
Technology	SLMBX	Seligman Communication & Information Fund – Class 2 Shares
Technology	ITYYX	Invesco V.I. Technology Fund Series I Shares (closed to transfers & new premiums)
NotFound	NotFound	Columbia Variable Portfolio – Marsico 21st Century Fund – Class 2 Shares
Health	PHSYX	Putnam VT Global Health Care Fund – Class IB Shares
Money Market-Taxable	cash	Schwab Money Market PortfolioTM

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	PHYAX	PIMCO VIT High Yield Portfolio – Administrative Class Shares
Short-Term Bond	PLDAX	PIMCO VIT Low Duration Portfolio – Administrative Class Shares
Intermediate-Term Bond	PTRAX	PIMCO VIT Total Return Portfolio – Administrative Class Shares
Intermediate Government	SIBWX	Sentinel Variable Products Bond Fund
WORLD BOND	NoTicker	Van Eck Insurance Trust Worldwide Bond Fund – Class I Shares
High Yield Bond	AHHYX	Invesco V.I. High Yield Fund – Series I Shares (closed to transfers & new premiums)
WORLD BOND	BEGBX	American Century VP International Fund – Class I Shares (closed to transfers & new premiums)
High Yield Bond	IPYAX	PIMCO VIT High Yield Portfolio – Administrative Class Shares
Intermediate-Term Bond	PTTRX	PIMCO VIT Total Return Portfolio – Administrative Class Shares
Intermediate Government	PATYX	Putnam VT American Government Income Fund – Class IB Shares
Intermediate-Term Bond	SATRX	Sentinel Variable Products Bond Fund
Emerging Markets Bond	EMBAX	Van Eck VIP Unconstrained Emerging Markets Bond Fund – Initial Class

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

REAL ESTATE
REAL ESTATE	IYR	Universal Institutional Funds U.S. Real Estate Portfolio – Class I Shares

Investment model portfolios

We provide two types of investment model portfolios for Schwab Select Annuity 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.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
Schwab Select Annuity Strategic Asset Allocation – Optimal Moderate	NA	6.75%	5.64%	7.48%	5.75%	8.73%	NA	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	19.39%	10.56%	14.00%	7.17%	9.91%	6.86%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	11.12%	5.61%	7.08%	4.36%	7.40%	6.13%	…	…

	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 Select… Moderate	0.22	6.75	5.64	7.48	5.75	8.73	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	9.50	6.51	1.75	7.79	13.88	14.30	0.50	16.40	26.82	-26.25	8.38	12.34	8.11	11.24	27.48	-0.38	11.21	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)	0.71	19.39	10.56	14.00	7.17	9.91	6.86	…	…	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)	0.23	11.12	5.61	7.08	4.36	7.40	6.13	…	…	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 Select… Moderate	NA	2.07	0.74	1.14	0.49	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	2.03	0.76	0.21	1.32	2.12	1.95	0.03	1.40	1.47	-1.23	0.56	1.14	0.88	1.19	3.76	-0.15	1.03	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 Select… Moderate	NA	4.36	7.18	6.81	12.10	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	4.36	8.28	8.20	5.88	6.51	7.32	14.80	11.62	18.21	22.09	9.63	7.92	6.75	8.64	7.12	9.93	8.61	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 Select… Moderate	NA	2.39	9.07	9.07	38.38	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	2.39	6.49	6.96	5.37	5.68	5.99	14.31	8.41	17.47	37.18	6.17	8.97	4.46	8.56	4.37	17.01	10.10	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 Select… Moderate	NA	6.28	5.35	5.16	4.74	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	6.14	1.66	8.28	5.22	4.43	2.69	5.18	4.18	3.03	6.37	6.22	5.90	5.94	3.44	4.65	3.05	4.61	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 09/29/2017, Common starting date is 12/31/2000

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 Select Annuity Tactical Asset Allocation Moderate	NA	7.45%	6.03%	8.66%	9.76%	11.90%	NA	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	16.93%	10.76%	14.57%	9.30%	10.23%	6.77%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	10.82%	5.35%	7.30%	5.35%	7.39%	6.01%	…	…

	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 Select… Moderate	0.67	7.45	6.03	8.66	9.76	11.90	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	1.22	7.91	12.44	-0.22	3.83	20.93	8.82	1.54	23.56	21.22	0.51	12.66	14.90	8.44	13.23	37.53	8.36	6.65	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)	0.51	16.93	10.76	14.57	9.30	10.23	6.77	…	…	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)	0.11	10.82	5.35	7.30	5.35	7.39	6.01	…	…	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 Select… Moderate	NA	0.83	0.61	0.89	0.93	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	0.08	1.18	1.25	-0.03	0.49	2.38	1.00	0.09	1.88	1.98	-0.07	0.99	1.51	0.90	1.37	4.55	1.28	0.58	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 Select… Moderate	NA	7.68	8.86	8.59	10.13	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	11.08	6.17	9.78	8.87	7.78	8.77	8.79	16.28	12.51	10.67	6.09	9.74	7.72	6.97	9.00	8.10	5.69	7.47	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 Select… Moderate	NA	6.23	10.67	11.14	14.28	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	6.23	3.27	6.83	8.43	4.98	4.30	7.03	14.28	9.59	5.65	6.72	7.13	9.06	5.49	9.36	3.29	2.88	7.39	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 Select… Moderate	NA	4.39	4.86	5.94	5.65	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	0.28	4.54	2.64	7.68	7.88	7.37	3.61	5.53	5.97	5.39	8.41	6.12	4.44	6.70	4.89	4.15	4.90	7.76	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 02/28/2018, Common starting date is 12/31/2000

Asset Allocation Composite Model Portfolio

The following model portfolio is based on the MyPlanIQ Asset Allocation Composite (AAC) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
Schwab Select Annuity Asset Allocation Composite Moderate	NA	5.46%	7.59%	3.73%	7.42%	7.38%	8.27%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	17.72%	23.00%	14.26%	14.71%	13.93%	10.79%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	16.26%	13.92%	6.49%	7.90%	7.12%	6.26%	…	…

	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 Select… Moderate	-0.44	5.46	7.59	3.73	7.42	7.38	8.27	…	…	NA	5.46	11.13	6.17	-12.88	10.78	20.22	14.77	-1.70	11.31	12.85	0.09	3.18	19.89	14.08	0.74	14.78	24.47	-5.04	12.49	11.87	5.30	14.81	38.99	21.94	8.65	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)	-1.23	17.72	23.00	14.26	14.71	13.93	10.79	…	…	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)	-0.52	16.26	13.92	6.49	7.90	7.12	6.26	…	…	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 Select… Moderate	NA	0.80	0.65	0.02	0.59	NA	NA	…	…	-0.09	0.25	0.86	0.30	-1.52	0.86	1.92	1.71	-0.27	1.87	1.56	0.01	0.44	2.51	1.87	0.04	1.38	2.40	-0.61	0.95	1.04	0.42	1.39	3.91	2.67	1.15	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 Select… Moderate	NA	10.32	9.35	9.68	9.54	NA	NA	…	…	8.27	10.40	8.76	8.44	9.44	12.55	10.41	7.80	11.39	5.70	8.09	6.77	7.26	7.90	7.50	15.89	10.61	10.16	9.89	9.85	8.14	7.32	9.95	9.78	7.79	5.43	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 Select… Moderate	NA	9.37	15.91	18.92	18.92	NA	NA	…	…	4.58	14.50	4.90	8.53	14.23	6.52	14.99	4.18	13.70	2.09	4.97	6.33	6.48	5.44	6.60	13.85	8.98	5.41	14.27	6.81	9.23	6.22	9.87	6.31	3.17	4.10	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 Select… Moderate	NA	2.93	3.16	3.39	3.89	NA	NA	…	…	NA	NA	0.72	2.81	2.09	3.88	5.96	1.73	4.23	3.53	2.23	5.29	7.07	5.67	4.06	2.67	5.03	4.95	6.00	6.01	5.77	3.47	4.91	4.94	4.22	8.82	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 12/31/2025, Common starting date is 12/31/2000

Click here for more plan details and features ►