Unum Group 401(k) Retirement Plan Investment Model Portfolios

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Investment options of Unum Group 401(k) Retirement Plan

Total Available Funds: 30

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
WORLD STOCK	TGADX	Fidelity Management Tr Company Templeton Growth Advisor Class
Foreign Large Blend	FSIIX	Fidelity Management Tr Company Spartan International Index
Foreign Large Value	MINIX	Fidelity Management Tr Company MFS International Equity Fund

US EQUITY
Mid-Cap Growth	BGRFX	Fidelity Management Tr Company Baron Growth
LARGE GROWTH	FCNKX	Fidelity Management Tr Company Fidelity Contrafund K
LARGE BLEND	FDEQX	Fidelity Management Tr Company Fidelity Disciplined Equity Fund
MID-CAP BLEND	FSEMX	Fidelity Management Tr Company Spartan Extended Mkt Index
LARGE BLEND	FUSEX	Fidelity Management Tr Company Spartan U.S. Equity Index Fund
MID-CAP VALUE	FSMVX	Fidelity Management Tr Company Trp Mid Cap Value Fund
LARGE GROWTH	RGAFX	Fidelity Management Tr Company American Funds Growth of Amer R5
LARGE BLEND	DNVYX	Fidelity Management Tr Company Davis NY Venture Fund Class Y
Mid-Cap Growth	GGOIX	Fidelity Management Tr Company Goldman Sachs Growth Opportunities Institutional
SMALL VALUE	AVFIX	Fidelity Management Tr Company American Beacon Small Cap Value Fund

Others
Moderate Allocation	FPURX	Fidelity Management Tr Company Fidelity Puritan Fund
Retirement Income	FFFAX	Fidelity Management Tr Company Fidelity Freedom Income
Target Date 2000-2010	FFFBX	Fidelity Management Tr Company Fidelity Freedom 2000
Target Date 2000-2010	FFFVX	Fidelity Management Tr Company Fidelity Freedom 2005
Target Date 2000-2010	FFFCX	Fidelity Management Tr Company Fidelity Freedom 2010
Target Date 2011-2015	FFVFX	Fidelity Management Tr Company Fidelity Freedom 2015
Target Date 2016-2020	FFFDX	Fidelity Management Tr Company Fidelity Freedom 2020
Target Date 2021-2025	FFTWX	Fidelity Management Tr Company Fidelity Freedom 2025
Target Date 2026-2030	FFFEX	Fidelity Management Tr Company Fidelity Freedom 2030
Target Date 2031-2035	FFTHX	Fidelity Management Tr Company Fidelity Freedom 2035
Target Date 2036-2040	FFFFX	Fidelity Management Tr Company Fidelity Freedom 2040
Target Date 2041-2045	FFFGX	Fidelity Management Tr Company Fidelity Freedom 2045
Target Date 2050+	FFFHX	Fidelity Management Tr Company Fidelity Freedom 2050
Financial	FSLBX	Fidelity Management Tr Company BrokerageLink
ROOT	NoTicer	Fidelity Management Tr Company Fidelity MIP II Class 2 Fund
ROOT	CASH	Fidelity Management Tr Company Interest Bearing Cash

FIXED INCOME
Intermediate-Term Bond	PTTRX	Fidelity Management Tr Company Pacific Investment Management Company Total Return Fund Institutional Class

Investment model portfolios

We provide two types of investment model portfolios for Unum Group 401(k) Retirement Plan 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
Unum Group 401(k) Retirement Plan Tactical Asset Allocation Moderate	NA	8.35%	5.49%	2.05%	3.76%	6.98%	7.47%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	9.98%	9.75%	10.95%	11.06%	12.38%	9.19%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	6.25%	1.69%	4.40%	4.69%	6.67%	5.54%	…	…

	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 (%)	Unum Group 40… Moderate	-0.86	8.35	5.49	2.05	3.76	6.98	7.47	…	…	NA	NA	2.92	18.45	-9.64	9.51	19.74	18.71	-28.50	11.18	8.76	-0.82	8.62	16.98	12.89	2.32	14.99	20.83	1.46	10.27	10.85	6.76	14.24	16.38	1.00	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)	-1.25	9.98	9.75	10.95	11.06	12.38	9.19	…	…	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)	-0.67	6.25	1.69	4.40	4.69	6.67	5.54	…	…	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	Unum Group 40… Moderate	NA	1.45	0.36	0.69	0.28	NA	NA	…	…	NA	NA	0.34	1.68	-0.75	0.82	0.97	2.30	-0.98	2.19	0.98	-0.10	1.16	2.15	1.56	0.16	1.47	2.19	0.09	0.85	1.10	0.72	1.84	2.18	-0.02	-0.02	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(%)	Unum Group 40… Moderate	NA	8.37	11.76	13.27	14.28	NA	NA	…	…	NA	NA	7.75	8.46	14.67	11.58	20.03	7.51	30.50	4.81	8.70	8.54	7.41	7.89	8.22	14.27	10.15	9.48	5.77	8.55	6.87	6.40	7.23	7.18	5.83	6.66	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(%)	Unum Group 40… Moderate	NA	5.82	18.33	23.95	35.82	NA	NA	…	…	NA	NA	1.52	5.82	16.70	6.24	23.95	3.80	34.88	2.51	7.24	9.06	5.10	5.39	5.66	13.67	8.56	4.27	5.01	5.85	7.42	4.64	5.72	5.66	5.30	8.63	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(%)	Unum Group 40… Moderate	NA	5.00	5.89	5.89	5.90	NA	NA	…	…	NA	NA	0.00	5.32	5.04	7.32	8.48	3.54	2.55	3.63	5.82	6.52	10.79	4.45	5.83	2.20	4.14	5.34	8.89	7.78	4.58	3.40	3.29	3.43	5.14	7.43	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)	0.00	1.17	1.57	1.51	2.82	3.95	3.54	…	…	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	5.47	5.95	4.32	4.60	4.42	4.27	…	…	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 10/31/2023, Common starting date is 12/31/2000

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