Schwab Selected No Load NTF High Yield Bond Funds Plan Investment Model Portfolios

Schwab one source no load no transaction fee (NTF) high yield bonds. It has minimum 3 month holding periods.

Investment options of Schwab Selected No Load NTF High Yield Bond Funds Plan

Total Available Funds: 40

Asset Class

Ticker

Description

FIXED INCOME
High Yield Bond	AYBDX	Allianz AGIC High Yield Bond D
High Yield Bond	ASHDX	Allianz RCM Short Duration High Inc D
High Yield Bond	BUFHX	Buffalo High-Yield
High Yield Bond	CHYDX	Calamos High Income A
High Yield Bond	CYBAX	Calvert High Yield Bond A
High Yield Bond	DSIAX	Diamond Hill Strategic Income A
High Yield Bond	DPLTX	Dreyfus High Yld A
High Yield Bond	KHYAX	DWS High Income A
High Yield Bond	FHYTX	Federated High-Yield Svc
High Yield Bond	SIHAX	Guggenheim High Yield A
High Yield Bond	HYFIX	Harbor High-Yield Bond Inv
High Yield Bond	HWHAX	Hotchkis and Wiley High Yield A
High Yield Bond	IHYAX	ING High Yield Bond A
High Yield Bond	HYINX	Invesco High Yield Investor
High Yield Bond	JAHYX	Janus High-Yield T
High Yield Bond	OHYFX	JPMorgan High Yield Select
High Yield Bond	MNHYX	Manning & Napier High Yield Bond
High Yield Bond	MWHYX	Metropolitan West High Yield Bond M
High Yield Bond	NHINX	Neuberger Berman High Inc Bond Inv
High Yield Bond	NHSAX	Neuberger Berman Short Dur Hi Inc A
High Yield Bond	NCOAX	Nuveen Symphony Credit Opportunities A
High Yield Bond	NSYAX	Nuveen Symphony High Yield Bond A
High Yield Bond	PAXHX	Pax World High Yield Bond Individual Inv
High Yield Bond	PYHRX	Payden High Income
High Yield Bond	PHYDX	PIMCO High Yield D
High Yield Bond	PHSDX	PIMCO High Yield Spectrum D
High Yield Bond	TAHYX	Pioneer High Yield A
High Yield Bond	CPHYX	Principal High Yield A
High Yield Bond	PHIGX	Putnam High Yield A
High Yield Bond	PHYIX	Putnam High Yield Advantage A
High Yield Bond	SSHYX	SSgA High Yield Bond Instl
High Yield Bond	PAHIX	T. Rowe Price High-Yield Adv
High Yield Bond	TGHNX	TCW High-Yield Bond N
High Yield Bond	TFCVX	Third Avenue Focused Credit Investor
High Yield Bond	TIYRX	TIAA-CREF High-Yield Retail
High Yield Bond	STHYX	Wells Fargo Advantage High Income Inv
High Yield Bond	STHBX	Wells Fargo Advantage S/T Hi-Yld Bd Inv
Inflation-Protected Bond	SWRSX	Schwab Treasury Inflation Protected Secs
Intermediate Government	SWGSX	Schwab GNMA
Intermediate Government	CPTNX	American Century Government Bond Inv

Investment model portfolios

We provide two types of investment model portfolios for Schwab Selected No Load NTF High Yield Bond Funds 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.

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
Schwab Selected No Load NTF High Yield Bond Funds Plan Tactical Asset Allocation Moderate	NA	2.73%	2.95%	2.16%	1.70%	2.67%	NA	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	9.69%	10.46%	11.65%	12.89%	9.02%	6.31%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	5.74%	5.35%	6.37%	6.66%	5.78%	5.27%	…	…

	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 (%)	Schwab Select… Moderate	-0.13	2.73	2.95	2.16	1.70	2.67	NA	…	…	NA	NA	NA	NA	NA	0.17	3.53	5.32	0.50	1.40	1.13	-0.01	1.92	-2.06	2.66	5.16	3.08	1.26	9.16	5.32	2.41	2.27	1.77	-0.10	3.71	5.73	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)	-5.62	9.69	10.46	11.65	12.89	9.02	6.31	…	…	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)	-3.27	5.74	5.35	6.37	6.66	5.78	5.27	…	…	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	Schwab Select… Moderate	NA	0.99	1.02	0.80	0.83	NA	NA	…	…	NA	NA	NA	NA	NA	0.12	1.10	1.84	-0.70	0.59	0.56	-0.03	1.47	-1.38	1.33	1.95	1.30	0.37	1.30	1.20	-0.70	0.10	0.51	-0.24	0.53	0.59	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(%)	Schwab Select… Moderate	NA	2.99	2.22	1.96	1.88	NA	NA	…	…	NA	NA	NA	NA	NA	1.37	2.98	2.13	1.15	1.30	1.66	1.24	1.30	1.51	1.96	2.64	2.30	3.15	6.35	1.94	1.22	1.05	1.63	3.26	4.93	5.84	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(%)	Schwab Select… Moderate	NA	3.92	3.92	3.92	3.92	NA	NA	…	…	NA	NA	NA	NA	NA	0.39	3.92	0.92	0.90	0.79	1.85	0.97	1.02	2.57	0.95	1.35	2.18	1.77	3.53	1.05	0.58	0.71	1.61	4.20	3.40	4.88	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(%)	Schwab Select… Moderate	NA	0.98	1.57	1.41	1.22	NA	NA	…	…	NA	NA	NA	NA	NA	0.00	1.03	2.18	1.54	1.28	1.00	0.80	1.13	0.49	0.94	1.85	1.62	1.64	5.24	3.66	3.73	2.77	2.14	0.78	2.09	4.79	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 10/30/2020, Common starting date is 12/31/2000

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