DEFENDER DIRECT INC. 401K PLAN Investment Model Portfolios

Investment options of DEFENDER DIRECT INC. 401K PLAN

Total Available Funds: 39

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	VFICX	AEGON Bond Ret Opt
Inflation-Protected Bond	MIAIX	American Century Inflation-Adjusted Bond Ret Opt
High Yield Bond	OHYAX	JPMorgan High Yield Ret Opt
Short-Term Bond	OGLVX	JPMorgan Short Duration Bond Ret Opt
Intermediate-Term Bond	PTTRX	PIMCO Total Return Ret Opt
SHORT GOVERNMENT	STABLEVALUE	Stable Value Advantage

Others
Moderate Allocation	BLPAX	American Funds Balanced Ret Opt
Utilities	FKUTX	Franklin Utilities Inv Opt
Technology	ISTIX	Ivy Science & Technology Inv Opt
ROOT	LOAN	Manhattan Bridge Capital, Inc.
Natural Resources	PGNAX	Prudential Jennison Natural Resources Inv Opt
Target Date 2000-2010	VTENX	Vanguard Target Retirement 2010 Ret Opt
Target Date 2011-2015	VTXVX	Vanguard Target Retirement 2015 Ret Opt
Target Date 2016-2020	VTWNX	Vanguard Target Retirement 2020 Ret Opt
Target Date 2021-2025	VTTVX	Vanguard Target Retirement 2025 Ret Opt
Target Date 2026-2030	VTHRX	Vanguard Target Retirement 2030 Ret Opt
Target Date 2031-2035	VTTHX	Vanguard Target Retirement 2035 Ret Opt
Target Date 2036-2040	VFORX	Vanguard Target Retirement 2040 Ret Opt
Target Date 2041-2045	VTIVX	Vanguard Target Retirement 2045 Ret Opt
Target Date 2046-2050	VFIFX	Vanguard Target Retirement 2050 Ret Opt
Target Date 2051+	VFFVX	Vanguard Target Retirement 2055 Ret Opt

INTERNATIONAL EQUITY
Foreign Large Blend	AEPGX	American Funds EuroPacific Growth Ret Opt
WORLD STOCK	OGLYX	Oppenheimer Global Ret Opt
INTERNATIONAL EQUITY	VGTSX	SSgA International Stock Index Ret Opt

US EQUITY
LARGE GROWTH	AGTHX	American Funds Growth Fund of America Ret Opt
SMALL VALUE	FRVLX	Franklin Small Cap Value Ret Opt
MID-CAP VALUE	GSMCX	Goldman Sachs Mid Cap Value Ret Opt
Mid-Cap Growth	IDICX	Invesco Dynamics Ret Opt
Small Growth	GTSVX	Invesco Small Cap Growth Ret Opt
LARGE VALUE	CVRFX	Pioneer Cullen Value Ret Opt
MID-CAP BLEND	NOMIX	SSgA Mid-Cap Index Ret Opt
LARGE GROWTH	FLNOX	SSgA Russell Large Cap Growth Index Ret Opt
LARGE VALUE	IRVIX	SSgA Russell Large Cap Value Index Ret Opt
Small Growth	VISGX	SSgA Russell Small Cap Growth Index Ret Opt
SMALL BLEND	SVSCX	SSgA Small-Cap Index Ret Opt
LARGE BLEND	DSKIX	Transamerica Partners Stock Index Ret Opt
SMALL BLEND	NAESX	Vanguard Small-Cap Index Ret Opt

REAL ESTATE
REAL ESTATE	FARCX	Nuveen Real Estate Securities Ret Opt

Emerging Market
DIVERSIFIED EMERGING MKTS	EEM	SSgA MSCI Emerging Markets Index Ret Opt

Investment model portfolios

We provide two types of investment model portfolios for DEFENDER DIRECT INC. 401K 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.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
DEFENDER DIRECT INC. 401K PLAN Strategic Asset Allocation - Optimal Moderate	NA	32.67%	8.70%	10.09%	6.76%	7.37%	6.83%	7.30%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	8.70%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	5.79%

	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 (%)	DEFENDER DIRE... Moderate	-0.62	32.67	8.70	10.09	6.76	7.37	6.83	7.30	NA	17.71	21.34	-9.14	5.09	15.21	15.76	-6.46	8.80	5.15	-2.24	3.93	9.70	12.28	-0.69	12.95	26.72	-27.42	9.96	14.51	11.71	13.91	22.05	-3.22	5.42	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	DEFENDER DIRE... Moderate	NA	1.71	0.56	0.58	0.49	NA	NA	0.49	0.09	1.49	2.16	-0.79	0.52	0.79	2.08	-0.82	1.68	0.55	-0.26	0.61	1.27	1.45	-0.04	1.01	1.30	-1.13	0.63	1.35	1.40	1.75	2.43	-0.41	0.37	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	0.85	0.91	0.82	0.67	NA	NA	0.46	0.62	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	0.90	0.70	0.53	0.51	NA	NA	0.51	1.04	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(%)	DEFENDER DIRE... Moderate	NA	7.36	9.92	12.25	10.34	NA	NA	11.70	5.86	7.47	7.91	13.28	9.74	18.95	6.91	9.50	4.88	9.01	8.82	6.46	7.60	8.41	16.57	12.78	20.42	25.09	11.10	8.30	6.79	7.43	8.77	10.66	8.44	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	19.55	17.05	17.37	18.46	NA	NA	18.09	22.85	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	10.38	10.05	10.06	10.41	NA	NA	11.47	11.77	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(%)	DEFENDER DIRE... Moderate	NA	4.47	16.51	23.01	23.01	NA	NA	41.25	0.35	4.47	5.22	16.75	5.99	23.01	3.54	12.89	3.72	7.55	9.64	5.29	7.15	7.12	16.04	8.97	17.67	38.31	6.83	8.88	4.42	6.10	7.68	15.69	11.73	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(%)	DEFENDER DIRE... Moderate	NA	15.87	10.33	7.47	5.19	NA	NA	3.98	NA	4.44	15.02	6.95	4.05	3.82	2.47	2.99	0.52	3.16	3.20	4.90	3.11	2.32	2.20	1.96	2.39	2.89	6.36	4.11	3.67	2.83	2.53	2.70	2.86	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

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	Inception
DEFENDER DIRECT INC. 401K PLAN Tactical Asset Allocation Moderate	NA	24.73%	-1.57%	4.07%	2.71%	4.72%	6.85%	7.92%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	8.70%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	5.79%

	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 (%)	DEFENDER DIRE... Moderate	-1.14	24.73	-1.57	4.07	2.71	4.72	6.85	7.92	NA	3.08	10.56	-18.50	6.36	15.08	6.61	-4.69	9.88	4.31	-7.76	0.01	13.22	11.58	2.77	13.02	27.10	-4.39	17.68	16.14	11.53	10.56	26.97	9.54	6.41	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	DEFENDER DIRE... Moderate	NA	-0.35	-0.47	0.00	0.03	NA	NA	0.65	-0.04	-0.38	0.60	-1.28	0.52	1.57	0.97	-0.72	1.52	0.63	-1.24	0.00	1.78	2.12	0.30	1.02	2.30	-0.74	0.98	1.17	1.05	0.96	4.10	1.85	0.68	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	0.85	0.91	0.82	0.67	NA	NA	0.46	0.62	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	0.90	0.70	0.53	0.51	NA	NA	0.51	1.04	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(%)	DEFENDER DIRE... Moderate	NA	9.24	12.07	11.62	9.44	NA	NA	9.30	6.19	9.32	10.53	15.51	12.13	9.47	5.34	8.32	6.08	6.52	6.26	6.36	7.39	5.45	9.08	12.67	11.75	7.17	15.03	11.02	8.92	9.97	6.42	4.56	6.04	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	19.55	17.05	17.37	18.46	NA	NA	18.09	22.85	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	10.38	10.05	10.06	10.41	NA	NA	11.47	11.77	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(%)	DEFENDER DIRE... Moderate	NA	9.52	20.99	26.69	26.69	NA	NA	26.69	0.59	9.52	10.92	22.90	8.46	12.88	3.10	11.04	3.47	6.40	10.08	7.26	6.38	4.34	8.60	8.22	5.99	7.74	9.82	13.42	6.19	13.19	2.28	4.25	3.32	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(%)	DEFENDER DIRE... Moderate	NA	4.58	6.22	5.19	4.28	NA	NA	4.73	NA	0.32	4.67	9.12	3.59	5.06	2.68	3.45	0.44	3.60	2.96	6.33	2.75	5.52	4.58	4.63	5.22	3.14	4.57	5.55	5.67	5.28	4.79	6.90	7.94	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

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