WARWICK VALLEY TELEPHONE COMPANY 401(k) PLAN
Investment Model Portfolios
--
Investment options of WARWICK VALLEY TELEPHONE COMPANY 401(k) PLAN
Total Available Funds: 28
| Asset Class |
Ticker
| Description |
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
PHIPX |
Principal High Quality interm-Term Bond R5 Fund Registered Investment Company |
| SHORT GOVERNMENT |
STABLEVALUE |
Morley Financial Services Stable Value Fund Interest in Common/Collective Trs |
|
| Others |
|
|
| Retirement Income |
PLSPX |
Principal LifeTime Strategic Income R5 Fund Registered Investment Company |
| Target Date 2000-2010 |
PTAPX |
Principal LifeTime 2010 R5 Fund Registered Investment Company |
| Target Date 2011-2015 |
LTPFX |
Principal LifeTime 2015 R5 Fund Registered Investment Company |
| Target Date 2016-2020 |
PTBPX |
Principal LifeTime 2020 R5 Fund Registered Investment Company |
| Target Date 2021-2025 |
LTPDX |
Principal LifeTime 2025 R5 Fund Registered Investment Company |
| Target Date 2026-2030 |
PTCPX |
Principal LifeTime 2030 R5 Fund Registered Investment Company |
| Target Date 2031-2035 |
LTPEX |
Principal LifeTime 2035 R5 Fund Registered Investment Company |
| Target Date 2036-2040 |
PTDPX |
Principal LifeTime 2040 R5 Fund Registered Investment Company |
| Target Date 2041-2045 |
LTRDX |
Principal LifeTime 2045 R5 Fund Registered Investment Company |
| Target Date 2050+ |
PTEFX |
Principal LifeTime 2050 R5 Fund Registered Investment Company |
| Target Date 2050+ |
LTFPX |
Principal LifeTime 2055 R5 Fund Registered Investment Company |
| UNKOWN |
UNKOWN |
Columbus Circle Investors LargeCap Growth R5 Fund Registered Investment Company |
| UNKOWN |
UNKOWN |
Columbus Circle Investors MidCap Growth R5 Fund Registered Investment Company |
| World Allocation |
PGDIX |
Principal Global Investors Diversified Intl R5 Fund Registered Investment Company |
|
| US EQUITY |
|
|
| LARGE BLEND |
PLFIX |
Principal LargeCap S P 500 Index Fund Registered Investment Company |
| LARGE VALUE |
PLVPX |
Principal LargeCap Value R5 Fund Registered Investment Company |
| LARGE BLEND |
PPZPX |
T. Rowe Price Retirement LargeCap Blend II R5 Fund Registered Investment Company |
| LARGE VALUE |
BNVCX |
UBS Global Asset Mgmt LargeCap Value I R5 Fund Registered Investment Company |
| Small Growth |
QUARX |
AllianceBernstein SmallCap Growth I R5 Fund Registered Investment Company |
| MID-CAP VALUE |
GCMTX |
Goldman Sachs MidCap Value I R5 Fund Registered Investment Company |
| MID-CAP BLEND |
PMFPX |
Principal Global Investors MidCap S P 400 Index R5 Fund Registered Investment Company |
| Small Growth |
PPNPX |
Principal Global Investors SmallCap Growth I R5 Fund Registered Investment Company |
| SMALL BLEND |
PSSPX |
Principal Global Investors SmallCap S P 600 Index R5 Fund Registered Investment Company |
| SMALL VALUE |
PSVPX |
Principal Global Investors SmallCap Value R5 Fund Registered Investment Company |
| MID-CAP VALUE |
PVMIX |
Principal Global/Barrow Hanley MidCap Value Fund Registered Investment Company |
| Mid-Cap Growth |
MIMSX |
Turner/Mellon Capital Mgmt MidCap Growth IIIR Fund Registered Investment Company |
|
Investment model portfolios
We provide two types of investment model portfolios for WARWICK VALLEY TELEPHONE COMPANY 401(k) 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.
The return data shown below all delayed by 3 months. Their latest dates are all the same: 10/31/2024.
AR inception is since 12/31/2000.
|
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 (%)
|
WARWICK VALLE... Moderate
|
-0.06 |
33.89 |
11.28 |
12.32 |
7.32 |
7.43 |
7.08 |
7.23 |
NA |
23.08 |
23.25 |
-2.64 |
4.18 |
15.86 |
7.08 |
-1.71 |
3.78 |
4.09 |
-0.13 |
1.82 |
17.64 |
4.29 |
2.05 |
9.13 |
14.48 |
-1.96 |
4.09 |
10.41 |
4.16 |
7.32 |
19.19 |
1.11 |
2.31 |
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)
|
-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
|
WARWICK VALLE... Moderate
|
NA |
2.84 |
1.06 |
0.98 |
0.75 |
NA |
NA |
0.78 |
0.14 |
2.72 |
2.61 |
-0.29 |
0.31 |
2.14 |
1.48 |
-0.56 |
0.75 |
1.15 |
-0.04 |
0.36 |
2.33 |
0.63 |
0.21 |
0.98 |
1.77 |
-1.39 |
0.12 |
1.13 |
0.31 |
0.76 |
2.18 |
0.01 |
0.01 |
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 |
0.01 |
0.19 |
0.67 |
0.54 |
NA |
NA |
0.44 |
-1.15 |
1.44 |
1.69 |
-0.81 |
2.17 |
0.53 |
2.40 |
-0.34 |
3.16 |
0.89 |
0.08 |
1.19 |
2.90 |
1.25 |
0.08 |
0.82 |
0.97 |
-0.92 |
0.15 |
1.24 |
0.25 |
0.88 |
1.63 |
-0.90 |
-0.68 |
-0.59 |
0.98 |
1.24 |
1.62 |
1.63 |
4.33 |
-0.18 |
0.91 |
0.58 |
1.92 |
-0.53 |
1.73 |
0.60 |
0.00 |
0.31 |
1.49 |
-0.24 |
0.80 |
0.65 |
-1.27 |
1.19 |
-3.84 |
|
VSMGX (VANGUA...R SHARES)
|
NA |
0.06 |
0.01 |
0.45 |
0.36 |
NA |
NA |
0.48 |
-0.70 |
0.48 |
1.37 |
-1.22 |
1.32 |
0.70 |
2.78 |
-0.86 |
3.76 |
0.83 |
-0.26 |
1.01 |
2.16 |
1.23 |
0.01 |
1.18 |
1.12 |
-0.98 |
0.41 |
1.36 |
0.50 |
1.49 |
2.09 |
-0.75 |
-0.58 |
-0.23 |
1.08 |
1.57 |
1.57 |
0.93 |
4.20 |
4.63 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Standard Deviation(%)
|
WARWICK VALLE... Moderate
|
NA |
6.01 |
9.71 |
10.15 |
7.76 |
NA |
NA |
7.32 |
4.20 |
6.06 |
7.28 |
13.90 |
13.37 |
7.31 |
3.83 |
5.39 |
4.22 |
3.39 |
3.77 |
4.94 |
7.54 |
6.75 |
9.79 |
9.27 |
8.11 |
2.08 |
9.01 |
6.34 |
6.39 |
8.37 |
8.47 |
0.01 |
0.05 |
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 |
18.94 |
18.53 |
17.95 |
18.39 |
NA |
NA |
18.11 |
28.46 |
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 |
10.27 |
10.85 |
10.40 |
10.38 |
NA |
NA |
11.50 |
14.58 |
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(%)
|
WARWICK VALLE... Moderate
|
NA |
4.08 |
11.92 |
18.89 |
18.89 |
NA |
NA |
18.89 |
0.24 |
4.08 |
4.05 |
12.44 |
10.50 |
4.14 |
1.92 |
8.94 |
2.89 |
2.58 |
4.36 |
3.78 |
4.21 |
6.70 |
10.38 |
8.96 |
4.39 |
3.53 |
6.35 |
6.25 |
4.84 |
6.88 |
4.02 |
0.00 |
0.00 |
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 |
19.24 |
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 |
15.22 |
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(%)
|
WARWICK VALLE... Moderate
|
NA |
18.08 |
11.47 |
8.38 |
5.24 |
NA |
NA |
3.80 |
NA |
5.62 |
16.59 |
9.99 |
0.89 |
5.82 |
1.94 |
4.40 |
1.02 |
2.56 |
1.08 |
1.48 |
4.91 |
1.82 |
1.93 |
1.03 |
3.69 |
0.74 |
2.48 |
5.56 |
3.93 |
5.32 |
1.31 |
1.11 |
2.31 |
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 |
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 |
