ZIONS BANCORPORATION PAYSHELTER 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN
Investment Model Portfolios
--
Investment options of ZIONS BANCORPORATION PAYSHELTER 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN
Total Available Funds: 28
| Asset Class |
Ticker
| Description |
| US EQUITY |
|
|
| Small Growth |
AUSAX |
COLUMBIA ACORN USA Z |
| Mid-Cap Growth |
RIMMX |
RAINIER SM/MID CAP |
| MID-CAP BLEND |
VMCIX |
VANG MID CAP IDX SIG |
| SMALL BLEND |
NAESX |
VANG SM CAP IDX INST |
| MID-CAP VALUE |
JMCVX |
PERKINS MD CP VL INV |
| LARGE BLEND |
SRVEX |
VICTORY DIVERS STK A |
| LARGE GROWTH |
SHRAX |
LMP AGGR GROWTH A |
| LARGE GROWTH |
FCNTX |
FID CONTRAFUND |
| LARGE BLEND |
FSTMX |
SPTN TOTAL MKT INDEX |
| LARGE BLEND |
FSMAX |
SPARTAN US EQ INDEX |
|
| Emerging Market |
|
|
| DIVERSIFIED EMERGING MKTS |
PRMSX |
T. ROWE PRICE EMG MKT STOCK |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
PTTRX |
PIM TOTAL RT INST |
| WORLD BOND |
LSGBX |
LOOMIS GLBL BD INST |
| Inflation-Protected Bond |
VIPIX |
VANG INF PROT SEC |
| Multisector Bond |
LSBDX |
LOOMIS BOND INST |
| Intermediate-Term Bond |
FBNDX |
FIDELITY INVESTMENTS |
| High Yield Bond |
FAGIX |
FID CAPITAL & INCOME |
| Intermediate-Term Bond |
FBIDX |
FIDELITY US BD INDEX |
|
| REAL ESTATE |
|
|
| REAL ESTATE |
REFDX |
MSIF INTL REAL EST I |
| REAL ESTATE |
VGRSX |
VANG REIT IDX SIG |
| REAL ESTATE |
PRRSX |
PIM COM REAL RET I |
|
| Others |
|
|
| Moderate Allocation |
FBALX |
FID BALANCED |
| Retirement Income |
FFFAX |
FID FREEDOM INCOME |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Value |
AIVRX |
ALLIANCE BERNSTEIN INVESTMENTS |
| Foreign Large Value |
AIVIX |
ALL/BERN INTL VAL AD |
| Foreign Large Blend |
BISIX |
BLKRK INTL OPP INST |
| Foreign Large Blend |
FSIVX |
fidelity SPARTAN INTL INDEX |
| Foreign Large Blend |
FDVAX |
FA DIVERS INTL I |
|
Investment model portfolios
We provide two types of investment model portfolios for ZIONS BANCORPORATION PAYSHELTER 401(K) AND EMPLOYEE STOCK OWNERSHIP 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 (%)
|
ZIONS BANCORP... Moderate
|
-2.05 |
27.81 |
21.53 |
17.00 |
10.54 |
10.33 |
11.92 |
12.75 |
NA |
4.68 |
106.45 |
-19.22 |
8.63 |
11.41 |
11.46 |
-6.77 |
17.86 |
5.98 |
-4.04 |
4.37 |
8.50 |
9.79 |
6.82 |
14.85 |
35.12 |
-8.07 |
21.76 |
20.06 |
15.62 |
18.21 |
30.34 |
9.80 |
6.85 |
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
|
ZIONS BANCORP... Moderate
|
NA |
-0.15 |
0.46 |
0.46 |
0.39 |
NA |
NA |
0.70 |
-0.05 |
-0.16 |
1.67 |
-1.28 |
0.75 |
1.12 |
1.77 |
-1.02 |
3.17 |
0.87 |
-0.57 |
0.70 |
1.36 |
1.71 |
0.75 |
0.99 |
3.52 |
-1.57 |
1.55 |
1.73 |
1.90 |
1.47 |
5.27 |
1.55 |
0.95 |
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 |
0.60 |
0.95 |
0.80 |
0.65 |
NA |
NA |
0.45 |
0.51 |
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 |
0.62 |
0.74 |
0.50 |
0.48 |
NA |
NA |
0.51 |
0.88 |
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(%)
|
ZIONS BANCORP... Moderate
|
NA |
12.13 |
37.13 |
29.52 |
21.38 |
NA |
NA |
15.32 |
7.49 |
12.26 |
61.12 |
16.06 |
11.40 |
10.01 |
5.67 |
7.91 |
5.43 |
6.63 |
7.07 |
6.21 |
6.24 |
5.71 |
9.09 |
14.90 |
9.96 |
5.72 |
12.13 |
9.70 |
7.06 |
11.71 |
5.63 |
5.63 |
4.77 |
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 |
19.74 |
17.13 |
17.38 |
18.46 |
NA |
NA |
18.09 |
23.24 |
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 |
10.45 |
10.08 |
10.06 |
10.41 |
NA |
NA |
11.48 |
11.95 |
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(%)
|
ZIONS BANCORP... Moderate
|
NA |
8.66 |
21.12 |
25.53 |
25.53 |
NA |
NA |
25.53 |
1.05 |
8.66 |
13.38 |
22.98 |
6.80 |
15.38 |
3.28 |
13.43 |
2.18 |
7.12 |
10.59 |
6.23 |
6.45 |
4.93 |
7.01 |
11.48 |
4.44 |
9.50 |
10.25 |
12.76 |
5.89 |
12.43 |
3.02 |
7.13 |
3.04 |
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 |
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(%)
|
ZIONS BANCORP... Moderate
|
NA |
2.27 |
5.15 |
4.27 |
4.43 |
NA |
NA |
5.78 |
NA |
0.05 |
4.44 |
7.97 |
5.18 |
2.65 |
3.00 |
2.46 |
3.94 |
5.66 |
3.29 |
7.92 |
3.64 |
5.62 |
4.79 |
9.79 |
4.44 |
3.42 |
8.96 |
11.96 |
5.01 |
10.00 |
3.90 |
6.55 |
8.37 |
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 |
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
