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CalSavers Retirement Plan
Investment Model Portfolios

CalSavers offers a range of different investment options to meet your needs no matter where you are in your retirement savings journey. An investment fund is a collection of different investments pooled together and are usually made up of stocks, bonds, and/or cash equivalents.

Investment funds are professionally managed and help to easily diversify your investments. You can find more information about the different investment funds that CalSavers offers below.

Investment options of CalSavers Retirement Plan

Total Available Funds: 5
Asset Class Ticker Description
Others
Moderate Allocation DRAKX BNY Mellon Sustainable Balanced Fund
ROOT CASH State Street Institutional U.S. Government Money Market Fund GVMXX
FIXED INCOME
Intermediate-Term Bond SSFEX State Street Aggregate Bond Index Fund
INTERNATIONAL EQUITY
INTERNATIONAL EQUITY SSGLX State Street Global Eq ex-US Index K
US EQUITY
LARGE BLEND SSSYX State Street Equity 500 Index Fund

Investment model portfolios

We provide two types of investment model portfolios for CalSavers Retirement Plan participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

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.

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
CalSavers Retirement Plan Strategic Asset Allocation - Optimal Moderate NA 18.77% 3.89% 78.84% 10.35% 6.80% 5.56% 5.04%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 34.25% 10.57% 15.70% 13.31% 14.08% 10.54% 8.97%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 18.09% 3.51% 6.88% 6.22% 7.13% 6.08% 5.92%
Data as of 11/29/2024, AR inception 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 Inception
CalSavers Retirement Plan Tactical Asset Allocation Moderate NA 19.77% 3.72% 9.18% -15.04% -10.00% -7.15% -6.05%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 34.25% 10.57% 15.70% 13.31% 14.08% 10.54% 8.97%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 18.09% 3.51% 6.88% 6.22% 7.13% 6.08% 5.92%
Data as of 11/29/2024, AR inception is 12/31/2000

Asset Allocation Composite Model Portfolio

The following model portfolio is based on the MyPlanIQ Asset Allocation Composite (AAC) strategy.

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
CalSavers Retirement Plan Asset Allocation Composite Moderate NA 12.86% 1.36% 10.51% -13.58% -9.25% -6.58% -5.55%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 34.25% 10.57% 15.70% 13.31% 14.08% 10.54% 8.97%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 18.09% 3.51% 6.88% 6.22% 7.13% 6.08% 5.92%
Data as of 11/29/2024, AR inception is 12/31/2000