Merchants and Farmers Bank Profit and Savings Plan
Investment Model Portfolios
--
Investment options of Merchants and Farmers Bank Profit and Savings Plan
Total Available Funds: 24
| Asset Class |
Ticker
| Description |
| FIXED INCOME |
|
|
| Intermediate Government |
PMRIX |
Principal Investors Bond & Mortgage Securities Fund |
| High Yield Bond |
RITFX |
American Funds Hi-Income Fund |
|
| US EQUITY |
|
|
| MID-CAP BLEND |
MPSIX |
Principal Investors S&P 400 Index Fund |
| LARGE BLEND |
PLFIX |
Principal Investors S&P 500 Index Fund |
| SMALL BLEND |
PSAPX |
Principal Investors S&P 600 Index Fund |
| LARGE BLEND |
PLIIX |
Principal Investors Partners LargeCap Blend Fund |
| LARGE VALUE |
PVLIX |
Principal Investors Partners LargeCap Value Fund |
| MID-CAP VALUE |
PVMIX |
Principal Investors Partners MidCap Value Fund |
| LARGE GROWTH |
PDASX |
Principal Investors Partners LargeCap Growth II Fund |
| Mid-Cap Growth |
PGWIX |
Principal Investors Partners MidCap Growth Fund |
| Small Growth |
PPMNX |
Principal Investors Partners SmallCap Growth II Fund |
| SMALL VALUE |
PVSIX |
Principal Investors Partners SmallCap Value Fund |
| LARGE BLEND |
ANCFX |
American Funds Fundamental Investors Fund |
| LARGE GROWTH |
RGAAX |
American Funds Growth Fund of American Fund, |
|
| Others |
|
|
| Retirement Income |
PLSIX |
Principal Investors LifeTime Strategic Fund |
| Target Date 2000-2010 |
PENAX |
Principal Investors LifeTime 2010 Fund |
| Target Date 2016-2020 |
PTBAX |
Principal Investors LifeTime 2020 Fund |
| Target Date 2026-2030 |
PTCAX |
Principal Investors LifeTime 2030 Fund |
| Target Date 2036-2040 |
PTDAX |
Principal Investors LifeTime 2040 Fund |
| Target Date 2050+ |
PPLIX |
Principal Investors LifeTime 2050 Fund |
| ROOT |
CASH |
Principal Investors Money Market Fund |
|
| REAL ESTATE |
|
|
| REAL ESTATE |
PREPX |
Principal Investors Real Estate Fund |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
PTPPX |
Principal Investors Partners International Fund |
| WORLD STOCK |
RNPFX |
American Funds Perspective Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for Merchants and Farmers Bank Profit 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 (%)
|
Merchants and... Moderate
|
0.25 |
13.11 |
0.59 |
6.23 |
4.98 |
6.65 |
7.54 |
7.36 |
NA |
11.68 |
12.23 |
-16.01 |
11.41 |
16.03 |
16.38 |
-1.59 |
10.83 |
2.22 |
-3.70 |
4.68 |
12.78 |
8.47 |
2.45 |
10.57 |
24.01 |
-0.94 |
8.38 |
19.09 |
3.72 |
10.15 |
22.58 |
-4.94 |
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)
|
0.27 |
26.78 |
9.17 |
15.85 |
12.87 |
14.13 |
10.56 |
8.65 |
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)
|
-0.03 |
16.33 |
2.49 |
7.25 |
6.00 |
7.37 |
6.28 |
5.81 |
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
|
Merchants and... Moderate
|
NA |
1.47 |
-0.23 |
0.42 |
0.47 |
NA |
NA |
0.75 |
NA |
0.70 |
0.85 |
-1.26 |
1.10 |
1.53 |
3.50 |
-0.36 |
2.05 |
0.37 |
-0.52 |
0.80 |
1.64 |
1.85 |
0.24 |
0.82 |
2.49 |
-0.45 |
0.55 |
1.77 |
0.22 |
1.25 |
4.37 |
-1.41 |
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 |
0.51 |
0.88 |
0.82 |
0.65 |
NA |
NA |
0.45 |
0.43 |
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 |
0.72 |
0.74 |
0.55 |
0.50 |
NA |
NA |
0.51 |
0.97 |
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(%)
|
Merchants and... Moderate
|
NA |
7.89 |
10.87 |
10.46 |
8.57 |
NA |
NA |
8.04 |
NA |
7.69 |
9.38 |
13.75 |
10.31 |
10.35 |
4.28 |
7.96 |
4.99 |
5.40 |
7.19 |
5.83 |
7.77 |
4.56 |
10.23 |
12.74 |
9.60 |
4.19 |
9.75 |
8.93 |
6.92 |
7.39 |
5.01 |
4.29 |
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 |
19.85 |
17.21 |
17.41 |
18.48 |
NA |
NA |
18.10 |
24.02 |
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 |
10.49 |
10.11 |
10.08 |
10.41 |
NA |
NA |
11.48 |
12.31 |
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(%)
|
Merchants and... Moderate
|
NA |
4.01 |
18.88 |
19.11 |
19.11 |
NA |
NA |
19.11 |
NA |
4.01 |
7.65 |
18.24 |
4.52 |
14.62 |
2.13 |
8.90 |
2.83 |
4.46 |
8.58 |
5.13 |
6.13 |
3.56 |
9.29 |
9.71 |
4.77 |
4.91 |
7.03 |
5.30 |
5.27 |
8.66 |
1.85 |
6.20 |
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 |
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(%)
|
Merchants and... Moderate
|
NA |
3.80 |
2.90 |
3.91 |
3.53 |
NA |
NA |
3.67 |
NA |
0.72 |
4.07 |
1.85 |
2.19 |
6.15 |
5.24 |
3.64 |
0.61 |
3.71 |
4.53 |
3.23 |
4.61 |
4.19 |
2.39 |
3.56 |
4.38 |
3.14 |
4.66 |
6.74 |
3.82 |
3.80 |
3.59 |
1.33 |
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 |
Data as of 08/30/2024, AR inception is 12/31/2000
