TECHTEAM GLOBAL RETIREMENT SAVINGS PLAN
Investment Model Portfolios
TechTeam Global, Inc. provides information technology (IT) outsourcing and business process outsourcing (BPO) services to large and medium sized businesses, and government organizations in the Americas, Europe, Latin America, and Asia.
Investment options of TECHTEAM GLOBAL RETIREMENT SAVINGS PLAN
Total Available Funds: 24
| Asset Class |
Ticker
| Description |
| FIXED INCOME |
|
|
| SHORT GOVERNMENT |
STABLEVALUE |
Principal Global Investors Fixed Income Guaranteed Option |
| Intermediate-Term Bond |
PMSIX |
Principal Global Investors Bond & Mtg Sep Acct |
|
| Others |
|
|
| Target Date 2026-2030 |
VTHRX |
Principal Global Investors Principal LifeTm 2030 Sep Acct |
| Target Date 2036-2040 |
PTDIX |
Principal Global Investors Principal LifeTm 2040 Sep Acct |
| Target Date 2016-2020 |
RECTX |
Principal Global Investors Principal LifeTm 2020 Sep Acct |
| unknown |
unknown |
Columbus Circle Investors Large Co Growth Sep Acct |
| Target Date 2050+ |
PPLIX |
Principal Global Investors Principal LifeTm 2050 Sep Acct |
| unknown |
unknown |
Principal Global Investors Principal U.S. Property |
| Retirement Income |
PLSIX |
Principal Global Investors Prin LifeTm Str income Sep Acct |
| Target Date 2000-2010 |
PTTIX |
Principal Global Investors Principal LifeTm 2010 Sep Acct |
| unknown |
unknown |
TechTeam Global Inc. TechTeam Global Stock Fund |
|
| US EQUITY |
|
|
| LARGE GROWTH |
RGACX |
American Funds Service Co Am Fds Grth Fd of Am R3 Fund |
| Mid-Cap Growth |
ATHAX |
American Century Inv Mgt Am Cent Heritage A Fund |
| MID-CAP VALUE |
GSMCX |
Goldman Sachs Asset Mgt Mid-Cap Value I Sep Acct |
| LARGE VALUE |
MVRRX |
MFS Investment Management MFS Value R2 Fund |
| LARGE BLEND |
PLFPX |
Principal Global Investors Large Cap Stk Idx Sep Acct |
| LARGE VALUE |
URBIX |
Columbia Funds Columbia Val Restruct R Fd |
| Small Growth |
PSLPX |
Principal Global Investors Sm-Cap Growth I SA-R3 |
| SMALL VALUE |
FVFRX |
Franklin Advisors income Franklin Small Cap Value R Fund |
| LARGE BLEND |
NYVRX |
Davis Funds Davis NY Venture R Fund |
| SMALL BLEND |
PSSIX |
Principal Global Investors Sm Cap Stk Idx Sep Acct |
| MID-CAP BLEND |
PCBIX |
Principal Global Investors Medium Company Blend Sep Acct |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
PIIIX |
Principal Global Investors Diversified Intl Sep Acct |
|
| Emerging Market |
|
|
| DIVERSIFIED EMERGING MKTS |
GEMFX |
Principal Global Investors Intl Emerging Mkts Sep Acct |
|
Investment model portfolios
We provide two types of investment model portfolios for TECHTEAM GLOBAL RETIREMENT 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.
The return data shown below all delayed by 3 months. Their latest dates are all the same: 10/31/2024.
AR inception is since 12/31/2000.
|
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 (%)
|
TechTeam Glob... Moderate
|
-0.28 |
30.82 |
12.66 |
12.68 |
9.26 |
9.16 |
10.27 |
10.09 |
NA |
17.56 |
26.76 |
-2.75 |
8.19 |
12.94 |
16.54 |
-3.84 |
9.20 |
10.02 |
0.28 |
5.60 |
16.72 |
9.80 |
2.85 |
7.70 |
16.03 |
2.26 |
17.89 |
17.23 |
14.36 |
12.51 |
18.29 |
-0.90 |
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)
|
-1.79 |
37.82 |
8.86 |
15.20 |
12.89 |
14.04 |
10.46 |
8.70 |
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)
|
-1.02 |
22.89 |
2.25 |
6.63 |
6.01 |
7.19 |
6.10 |
5.79 |
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
|
TechTeam Glob... Moderate
|
NA |
1.16 |
0.94 |
0.73 |
0.69 |
NA |
NA |
0.87 |
0.08 |
1.09 |
2.77 |
-0.33 |
0.71 |
0.62 |
2.28 |
-0.54 |
1.44 |
1.13 |
0.03 |
0.74 |
2.20 |
1.20 |
0.19 |
0.72 |
1.60 |
3.73 |
1.16 |
1.21 |
1.85 |
1.52 |
2.91 |
-0.46 |
90.61 |
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 |
0.23 |
0.32 |
0.74 |
0.56 |
NA |
NA |
0.44 |
-0.70 |
1.44 |
1.69 |
-0.81 |
2.17 |
0.53 |
2.40 |
-0.34 |
3.16 |
0.89 |
0.08 |
1.19 |
2.90 |
1.25 |
0.08 |
0.82 |
0.97 |
-0.92 |
0.15 |
1.24 |
0.25 |
0.88 |
1.63 |
-0.90 |
-0.68 |
-0.59 |
0.98 |
1.24 |
1.62 |
1.63 |
4.33 |
-0.18 |
0.91 |
0.58 |
1.92 |
-0.53 |
1.73 |
0.60 |
0.00 |
0.31 |
1.49 |
-0.24 |
0.80 |
0.65 |
-1.27 |
1.19 |
-3.84 |
|
VSMGX (VANGUA...R SHARES)
|
NA |
0.29 |
0.15 |
0.51 |
0.38 |
NA |
NA |
0.49 |
-0.10 |
0.48 |
1.37 |
-1.22 |
1.32 |
0.70 |
2.78 |
-0.86 |
3.76 |
0.83 |
-0.26 |
1.01 |
2.16 |
1.23 |
0.01 |
1.18 |
1.12 |
-0.98 |
0.41 |
1.36 |
0.50 |
1.49 |
2.09 |
-0.75 |
-0.58 |
-0.23 |
1.08 |
1.57 |
1.57 |
0.93 |
4.20 |
4.63 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Standard Deviation(%)
|
TechTeam Glob... Moderate
|
NA |
10.07 |
10.43 |
13.28 |
10.99 |
NA |
NA |
9.72 |
8.08 |
10.08 |
8.12 |
12.59 |
11.57 |
20.50 |
6.63 |
9.46 |
5.94 |
8.67 |
9.24 |
7.57 |
7.60 |
8.10 |
14.54 |
10.55 |
9.98 |
0.36 |
12.90 |
11.54 |
6.58 |
7.61 |
6.06 |
4.32 |
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 |
19.39 |
18.60 |
17.94 |
18.44 |
NA |
NA |
18.12 |
28.69 |
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 |
10.43 |
10.86 |
10.39 |
10.40 |
NA |
NA |
11.50 |
14.60 |
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(%)
|
TechTeam Glob... Moderate
|
NA |
5.97 |
10.92 |
26.37 |
26.37 |
NA |
NA |
26.37 |
0.61 |
5.97 |
4.85 |
11.93 |
6.67 |
26.37 |
3.24 |
12.90 |
3.13 |
7.59 |
9.35 |
5.32 |
4.68 |
6.17 |
13.79 |
7.98 |
5.05 |
0.30 |
9.97 |
15.82 |
5.33 |
6.59 |
3.50 |
5.19 |
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 |
13.24 |
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(%)
|
TechTeam Glob... Moderate
|
NA |
20.57 |
14.07 |
10.99 |
7.46 |
NA |
NA |
0.00 |
NA |
11.92 |
16.47 |
7.07 |
5.90 |
8.97 |
4.63 |
3.25 |
4.69 |
4.62 |
3.96 |
3.36 |
3.63 |
3.04 |
3.83 |
1.71 |
2.50 |
2.58 |
12.96 |
5.54 |
2.86 |
2.39 |
1.64 |
2.43 |
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)
|
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 |
