Kessler & Collins Retirement Investment Model Portfolios

This plan is created upon a user’s request.

Investment options of Kessler & Collins Retirement

Total Available Funds: 40

Asset Class

Ticker

Description

US EQUITY
LARGE VALUE	LBSAX	Columbia Dividend Income A
LARGE GROWTH	FBGRX	Fidelity Blue Chip Growth
LARGE BLEND	FDGFX	Fidelity Dividend Growth
LARGE VALUE	FEQIX	Fidelity Equity-Income
LARGE GROWTH	FFIDX	Fidelity
LARGE GROWTH	FTQGX	Fidelity Focused Stock
LARGE GROWTH	FDGRX	Fidelity Growth Company
LARGE BLEND	FLCSX	Fidelity Large Cap Stock
LARGE GROWTH	FOCPX	Fidelity OTC
LARGE BLEND	FSTVX	Fidelity Spartan Total Mkt Idx Advtg
LARGE VALUE	LCEIX	Invesco Diversified Dividend Investor
Mid-Cap Growth	FDEGX	Fidelity Growth Strategies
MID-CAP BLEND	FLPSX	Fidelity Low-Priced Stocks
Mid-Cap Growth	FMCSX	Fidelity Mid-Cap Stock
MID-CAP VALUE	FDVLX	Fidelity Value
MID-CAP VALUE	JVMAX	JHancock3 Disciplined Value Mid Cap A
Mid-Cap Growth	PEEAX	Prudential Jennison Mid Cap Growth A
SMALL BLEND	FSCRX	Fidelity Small Cap Discovery

INTERNATIONAL EQUITY
Foreign Large Blend	FDIVX	Fidelity Diversified International
Foreign Large Blend	FSGDX	Fidelity Spartan Glb ex US Idx Advtg

Emerging Market
DIVERSIFIED EMERGING MKTS	EMGYX	Wells Fargo Advantage Emerg Mkts Eq Adm

REAL ESTATE
REAL ESTATE	FSRVX	Fidelity Spartan Real Estate Idx Advtg

Others
Target Date 2000-2010	FFFVX	Fidelity Freedom 2005
Target Date 2000-2010	FFFCX	Fidelity Freedom 2010
Target Date 2011-2015	FFVFX	Fidelity Freedom 2015
Target Date 2016-2020	FFFDX	Fidelity Freedom 2020
Target Date 2021-2025	FFTWX	Fidelity Freedom 2025
Target Date 2026-2030	FFFEX	Fidelity Freedom 2030
Target Date 2031-2035	FFTHX	Fidelity Freedom 2035
Target Date 2036-2040	FFFFX	Fidelity Freedom 2040
Target Date 2041-2045	FFFGX	Fidelity Freedom 2045
Target Date 2046-2050	FFFHX	Fidelity Freedom 2050
Target Date 2051+	FDEEX	Fidelity Freedom 2055
Target Date 2060+	FDKVX	Fidelity Freedom 2060
Retirement Income	FFFAX	Fidelity Freedom Income
Moderate Allocation	FPURX	Fidelity Puritan
ROOT	CASH	FRTXX (FMMT RETIRE GOV II)

FIXED INCOME
High Yield Bond	SPHIX	Fidelity High Income
Intermediate-Term Bond	FTHRX	Fidelity Intermediate Bond
Intermediate-Term Bond	FSITX	Fidelity Spartan US Bond Idx Advtg

Investment model portfolios

We provide two types of investment model portfolios for Kessler & Collins Retirement 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.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
Kessler & Collins Retirement Strategic Asset Allocation – Optimal Moderate	NA	-3.69%	2.96%	2.84%	7.68%	6.17%	NA	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	7.18%	10.93%	11.18%	13.10%	8.60%	6.45%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	-0.24%	4.98%	4.97%	7.82%	5.92%	5.61%	…	…

	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 (%)	Kessler & Col… Moderate	0.92	-3.69	2.96	2.84	7.68	6.17	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	-5.29	11.24	4.14	-1.13	3.91	10.50	11.56	-1.36	14.34	34.06	-30.33	12.27	14.18	8.67	12.88	25.33	-1.71	5.51	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)	2.10	7.18	10.93	11.18	13.10	8.60	6.45	…	…	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)	1.16	-0.24	4.98	4.97	7.82	5.92	5.61	…	…	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	Kessler & Col… Moderate	NA	-0.82	0.35	0.29	0.79	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	-0.82	2.60	0.51	-0.14	0.68	1.63	1.56	-0.10	1.31	2.08	-1.37	0.92	1.31	1.13	1.64	3.25	-0.32	0.41	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(%)	Kessler & Col… Moderate	NA	8.07	6.90	6.96	9.50	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	8.07	4.08	7.79	8.14	5.77	6.44	7.37	13.34	10.87	16.36	22.81	10.04	8.30	5.76	7.27	7.58	8.67	7.80	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(%)	Kessler & Col… Moderate	NA	10.54	10.54	11.67	15.68	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	10.54	1.79	7.12	8.75	4.98	6.56	6.52	12.81	8.29	15.68	39.79	7.12	10.83	4.59	7.60	6.45	15.88	10.07	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(%)	Kessler & Col… Moderate	NA	2.75	1.80	2.44	2.47	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	2.74	0.40	2.10	3.43	3.47	3.04	2.30	2.76	1.88	2.48	3.23	5.79	6.88	6.11	3.64	3.20	2.04	3.44	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 10/31/2018, Common starting date is 12/31/2000

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
Kessler & Collins Retirement Tactical Asset Allocation Moderate	NA	-1.93%	3.60%	3.42%	7.01%	8.20%	NA	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	7.18%	10.93%	11.18%	13.10%	8.60%	6.45%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	-0.24%	4.98%	4.97%	7.82%	5.92%	5.61%	…	…

	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 (%)	Kessler & Col… Moderate	0.27	-1.93	3.60	3.42	7.01	8.20	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	-3.82	12.24	1.71	-3.60	5.48	10.05	9.00	3.55	9.53	27.15	-13.51	16.65	22.44	13.98	9.14	25.52	5.90	8.19	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)	2.10	7.18	10.93	11.18	13.10	8.60	6.45	…	…	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)	1.16	-0.24	4.98	4.97	7.82	5.92	5.61	…	…	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	Kessler & Col… Moderate	NA	-0.23	0.18	0.16	0.68	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	-0.23	2.40	0.27	-0.50	0.89	1.64	2.02	0.44	1.00	3.42	-2.48	1.09	1.88	1.84	0.91	3.83	1.05	1.40	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(%)	Kessler & Col… Moderate	NA	22.29	13.55	11.32	9.57	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	22.29	4.83	5.63	7.27	6.15	6.12	4.42	8.02	9.49	7.91	5.82	12.46	10.18	6.42	8.95	6.48	4.55	4.20	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(%)	Kessler & Col… Moderate	NA	17.23	17.23	17.23	17.23	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	17.23	2.51	6.53	9.09	5.00	5.52	4.05	5.50	7.90	4.30	14.94	9.89	14.05	5.12	11.42	3.51	5.37	2.89	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(%)	Kessler & Col… Moderate	NA	4.03	2.60	2.88	2.87	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	3.99	0.33	3.19	2.88	4.01	3.83	3.43	1.14	3.22	2.64	2.66	9.18	10.34	5.93	2.14	5.19	2.88	5.99	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 10/31/2018, Common starting date is 12/31/2000

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