Bengal Transportation Services 401K Plan Fidelity NetBenefits Investment Model Portfolios

This plan is created upon a user’s request.

Investment options of Bengal Transportation Services 401K Plan Fidelity NetBenefits

Total Available Funds: 36

Asset Class

Ticker

Description

US EQUITY
SMALL BLEND	FSCRX	Fidelity Small Cap Discovery
Mid-Cap Growth	CLSPX	Columbia Mid Cap Growth Z
MID-CAP VALUE	SMVTX	RidgeWorth Mid-Cap Value Equity I
MID-CAP BLEND	FLPSX	Fidelity Low-Priced Stock
MID-CAP BLEND	FSEVX	Fidelity Spartan Extnd Mkt Idx Advtg
Small Growth	ORIGX	Pioneer Oak Ridge Small Cap Growth A
LARGE GROWTH	FLGEX	Fidelity Large Cap Growth Enhanced Index
LARGE GROWTH	NBSTX	Neuberger Berman Socially Resp Tr
LARGE GROWTH	FCNTX	Fidelity Contrafund
SMALL VALUE	HRVIX	Heartland Value Plus
LARGE BLEND	FUSVX	Fidelity Spartan 500 Index Advtg
LARGE VALUE	DDFIX	Invesco Diversified Dividend Instl

Others
EQUITY PRECIOUS METALS	EKWAX	Wells Fargo Advantage Precious Metals A
Conservative Allocation	PRPFX	Permanent Portfolio
Target Date 2021-2025	FFTWX	Fidelity Freedom 2025
Target Date 2041-2045	FFFGX	Fidelity Freedom 2045
Health	FSMEX	Fidelity Select Medical Equip & Systems
Target Date 2031-2035	FFTHX	Fidelity Freedom 2035
Aggressive Allocation	AOGIX	American Century One Choice Agrsv Inv
Target Date 2011-2015	FFVFX	Fidelity Freedom 2015
Utilities	BULIX	American Century Utilities Inv
World Allocation	MALOX	BlackRock Global Allocation Instl
Moderate Allocation	OAKBX	Oakmark Equity & Income I
Money Market-Taxable	FRTXX	Fidelity Retirement Money Market

FIXED INCOME
High Yield Bond	AHIYX	Invesco High Yield Institutional
Multisector Bond	FSICX	Fidelity Strategic Income
Inflation-Protected Bond	PARRX	PIMCO Real Return Admin
Intermediate-Term Bond	MWTRX	Metropolitan West Total Return Bond M
WORLD BOND	TPINX	Templeton Global Bond A
Short-Term Bond	PLDAX	PIMCO Low Duration Admin
Intermediate Government	FGOVX	Fidelity Government Income

Emerging Market
DIVERSIFIED EMERGING MKTS	ODMAX	Oppenheimer Developing Markets A

INTERNATIONAL EQUITY
Foreign Large Blend	OAKIX	Oakmark International I
Foreign Large Growth	FICDX	Fidelity Canada
Foreign Large Growth	AIEVX	Invesco International Growth I
Foreign Large Blend	FSIVX	Fidelity Spartan Intl Idx Advtg

Investment model portfolios

We provide two types of investment model portfolios for Bengal Transportation Services 401K Plan Fidelity NetBenefits 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.

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	Common	Inception
Bengal Transportation Services 401K Plan Fidelity NetBenefits Tactical Asset Allocation Moderate	NA	5.01%	4.27%	2.66%	2.26%	5.41%	7.33%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	9.98%	9.75%	10.95%	11.06%	12.38%	9.19%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	6.25%	1.69%	4.40%	4.69%	6.67%	5.54%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	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 (%)	Bengal Transp… Moderate	-0.55	5.01	4.27	2.66	2.26	5.41	7.33	…	…	NA	NA	1.64	15.05	-12.88	11.58	5.00	8.97	-6.83	12.72	10.12	-9.25	-0.34	11.33	10.99	-0.92	9.48	28.14	-1.02	17.44	17.67	15.18	14.80	30.30	10.42	3.82	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)	-1.25	9.98	9.75	10.95	11.06	12.38	9.19	…	…	NA	17.72	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)	-0.67	6.25	1.69	4.40	4.69	6.67	5.54	…	…	NA	16.26	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	Bengal Transp… Moderate	NA	0.69	0.26	0.41	0.33	NA	NA	…	…	NA	NA	0.18	1.38	-1.60	1.20	0.54	1.35	-1.10	2.27	1.94	-1.51	-0.06	1.65	2.25	-0.12	0.96	3.06	-0.34	1.22	1.54	2.22	1.69	5.55	1.84	0.31	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	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	0.80	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	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	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(%)	Bengal Transp… Moderate	NA	7.60	8.72	8.32	7.25	NA	NA	…	…	NA	NA	7.34	7.81	8.92	9.60	8.87	5.62	7.38	5.33	5.10	6.16	5.89	6.84	4.87	8.05	9.75	9.18	5.80	11.84	9.35	5.86	8.18	5.34	5.05	4.95	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	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	18.66	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	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	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(%)	Bengal Transp… Moderate	NA	6.88	13.55	13.55	14.27	NA	NA	…	…	NA	NA	1.38	6.88	13.55	5.18	10.80	4.12	12.48	2.41	4.52	12.30	6.09	5.30	4.61	8.04	8.15	4.56	8.50	9.00	13.51	4.84	9.92	3.99	4.58	4.95	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	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	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	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	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(%)	Bengal Transp… Moderate	NA	3.40	6.75	6.22	4.37	NA	NA	…	…	NA	NA	0.00	3.62	3.83	13.09	5.22	5.85	3.71	0.42	3.42	2.12	2.96	6.74	4.52	4.53	3.64	4.54	3.79	9.17	7.95	3.62	3.83	5.30	4.74	5.62	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)	0.00	1.18	1.60	1.52	2.78	3.91	3.46	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.51	6.00	4.34	4.54	4.38	4.18	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2023, Common starting date is 12/31/2000

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