RUDDICK RETIREMENT AND SAVINGS PLAN
Investment Model Portfolios
Investment options of RUDDICK RETIREMENT AND SAVINGS PLAN
Total Available Funds: 26
| Asset Class |
Ticker
| Description |
| INTERNATIONAL EQUITY |
|
|
| WORLD STOCK |
CWGIX |
American Funds Cap World Growth Income Fund |
| Foreign Large Blend |
AEPGX |
American Funds Europacific Growth Fund |
|
| US EQUITY |
|
|
| LARGE GROWTH |
RGAFX |
American Funds Growth Fund of Amer |
| LARGE VALUE |
TRVLX |
T. Rowe Price Associates Inc. Value Fund |
| SMALL BLEND |
PRSVX |
T. Rowe Price Associates Inc. Small Cap Value Fund |
| LARGE GROWTH |
TRBCX |
T. Rowe Price Associates Inc. Blue Chip Growth Fund |
| LARGE GROWTH |
VHCOX |
Vanguard Capital Opportunity |
| Small Growth |
VEXPX |
Vanguard Explorer Growth |
| LARGE BLEND |
PREIX |
T. Rowe Price Associates Inc. Equity Index Tr |
|
| REAL ESTATE |
|
|
| Global Real Estate |
PURAX |
Dryden Global Real Estate Fund |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
PTTRX |
Pacific Investment Management Company Total Return Instl Fund |
| Intermediate-Term Bond |
PBDIX |
T. Rowe Price Associates Inc. U.S. Bond Index Fund |
| SHORT GOVERNMENT |
STABLEVALUE |
T. Rowe Price Associates Inc. Stable Value Fund at fair value |
|
| Others |
|
|
| Target Date 2000-2010 |
TRRFX |
T. Rowe Price Associates Inc. rtmt 2005 Fund |
| Target Date 2000-2010 |
TRRAX |
T. Rowe Price Associates Inc. rtmt 2010 Fund |
| Target Date 2011-2015 |
TRRGX |
T. Rowe Price Associates Inc. rtmt 2015 Fund |
| Target Date 2016-2020 |
TRRBX |
T. Rowe Price Associates Inc. rtmt 2020 Fund |
| Target Date 2021-2025 |
TRRHX |
T. Rowe Price Associates Inc. rtmt 2025 Fund |
| Target Date 2026-2030 |
TRRCX |
T. Rowe Price Associates Inc. rtmt 2030 Fund |
| Target Date 2031-2035 |
TRRJX |
T. Rowe Price Associates Inc. rtmt 2035 Fund |
| Target Date 2036-2040 |
TRRDX |
T. Rowe Price Associates Inc. rtmt 2040 Fund |
| Target Date 2041-2045 |
TRRKX |
T. Rowe Price Associates Inc. rtmt 2045 Fund |
| Target Date 2050+ |
TRRMX |
T. Rowe Price Associates Inc. rtmt 2050 Fund |
| Target Date 2050+ |
TRRNX |
T. Rowe Price Associates Inc. rtmt 2055 Fund |
| Retirement Income |
TRRIX |
T. Rowe Price Associates Inc. rtmt Income Fund |
| Moderate Allocation |
TRPBX |
T. Rowe Price Associates Inc. Personal Strategy Balanced Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for RUDDICK RETIREMENT AND SAVINGS 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.
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.
|
Ticker/Portfolio |
Last 1 Week |
1 Yr |
3 Yr |
5 Yr |
10 Yr |
15 Yr |
20 Yr |
Inception |
YTD |
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 (%)
|
RUDDICK RETIR... Moderate
|
-1.03 |
24.78 |
-0.60 |
4.88 |
5.01 |
5.83 |
7.18 |
7.96 |
NA |
4.40 |
12.92 |
-21.06 |
9.66 |
20.24 |
9.20 |
-2.17 |
11.70 |
7.09 |
-1.09 |
5.08 |
12.15 |
12.69 |
1.12 |
3.74 |
20.44 |
-0.53 |
10.45 |
18.46 |
6.85 |
17.75 |
19.96 |
1.68 |
7.70 |
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)
|
-1.79 |
37.82 |
8.86 |
15.20 |
12.89 |
14.04 |
10.46 |
8.70 |
NA |
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)
|
-1.02 |
22.89 |
2.25 |
6.63 |
6.01 |
7.19 |
6.10 |
5.79 |
NA |
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
|
RUDDICK RETIR... Moderate
|
NA |
-0.13 |
-0.49 |
0.15 |
0.32 |
NA |
NA |
0.76 |
-0.04 |
-0.22 |
0.85 |
-1.55 |
1.08 |
2.45 |
1.41 |
-0.43 |
2.47 |
1.18 |
-0.19 |
0.80 |
1.67 |
1.97 |
0.13 |
0.33 |
2.00 |
-0.24 |
0.76 |
1.95 |
0.65 |
2.16 |
3.58 |
0.12 |
1.06 |
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 |
0.52 |
0.92 |
0.81 |
0.66 |
NA |
NA |
0.45 |
0.47 |
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 |
0.56 |
0.73 |
0.52 |
0.49 |
NA |
NA |
0.51 |
0.85 |
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(%)
|
RUDDICK RETIR... Moderate
|
NA |
9.79 |
11.74 |
10.59 |
8.63 |
NA |
NA |
8.06 |
8.64 |
9.86 |
10.23 |
14.51 |
8.90 |
8.16 |
5.52 |
8.08 |
4.49 |
5.85 |
5.88 |
6.31 |
7.25 |
6.43 |
8.38 |
11.03 |
10.16 |
5.93 |
9.87 |
7.77 |
7.26 |
7.78 |
5.38 |
4.85 |
5.07 |
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 |
19.81 |
17.18 |
17.40 |
18.47 |
NA |
NA |
18.10 |
23.67 |
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 |
10.51 |
10.10 |
10.07 |
10.41 |
NA |
NA |
11.48 |
12.15 |
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(%)
|
RUDDICK RETIR... Moderate
|
NA |
7.90 |
24.04 |
25.53 |
25.53 |
NA |
NA |
25.53 |
0.85 |
7.90 |
10.74 |
25.53 |
4.32 |
7.08 |
3.25 |
8.86 |
2.52 |
4.32 |
5.62 |
4.66 |
7.02 |
5.37 |
7.73 |
8.65 |
5.11 |
9.09 |
6.85 |
6.31 |
5.15 |
9.52 |
2.92 |
5.80 |
3.95 |
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 |
18.76 |
18.76 |
24.59 |
33.83 |
NA |
NA |
55.25 |
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 |
9.62 |
12.88 |
22.29 |
22.43 |
NA |
NA |
41.18 |
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(%)
|
RUDDICK RETIR... Moderate
|
NA |
4.25 |
5.56 |
4.92 |
3.60 |
NA |
NA |
4.47 |
NA |
0.85 |
4.12 |
2.91 |
8.83 |
5.70 |
3.12 |
2.10 |
0.35 |
3.81 |
1.98 |
2.92 |
3.27 |
4.49 |
4.01 |
4.24 |
6.30 |
4.08 |
10.46 |
4.83 |
3.54 |
3.55 |
3.94 |
5.58 |
7.90 |
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 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VSMGX (VANGUA...R SHARES)
|
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
Data as of 10/31/2024, AR inception is 12/31/2000
