MBIA Inc. 401(k) Plan Investment Model Portfolios

Investment options of MBIA Inc. 401(k) Plan

Total Available Funds: 33

Asset Class

Ticker

Description

Others
Moderate Allocation	FPURX	Fidelity Puritan Fund
Retirement Income	FFFAX	Fidelity Freedom Income Fund
Target Date 2000-2010	FFFCX	Fidelity Freedom Fund 2010
Target Date 2011-2015	FFVFX	Fidelity Freedom Fund 2015
Target Date 2016-2020	FFFDX	Fidelity Freedom Fund 2020
Target Date 2021-2025	FFTWX	Fidelity Freedom Fund 2025
Target Date 2026-2030	FFFEX	Fidelity Freedom Fund 2030
Target Date 2031-2035	FFTHX	Fidelity Freedom Fund 2035
Target Date 2036-2040	FFFFX	Fidelity Freedom Fund 2040
Target Date 2041-2045	FFFGX	Fidelity Freedom Fund 2045
Target Date 2050+	FFFHX	Fidelity Freedom Fund 2050
ROOT	CASH	Deutsche Cash Management Fund Institutional Class
unknown	unknown	Fidelity Managed Income Portfolio Fund Commingled fund

US EQUITY
LARGE GROWTH	FMAGX	Fidelity Magellan Fund
LARGE GROWTH	FDGRX	Fidelity Growth Company Fund
MID-CAP VALUE	FDVLX	Fidelity Value Fund
LARGE GROWTH	FBGRX	Fidelity Blue Chip Growth Fund
LARGE BLEND	FUSEX	Fidelity Spartan U.S. Equity Index Fund
MID-CAP BLEND	FSEMX	Fidelity Spartan Extended Mkt Index Fund
MID-CAP BLEND	FLPSX	Fidelity Low-Priced Stock Fund
Mid-Cap Growth	BARAX	Baron Asset Fund
Mid-Cap Growth	BGRFX	Baron Growth Fund
LARGE BLEND	NYVTX	Davis NY Venture Fund
SMALL VALUE	ROFIX	Royce Opportunity Fund
LARGE VALUE	PNEAX	Allianz NFJ Dividend Value Fund

FIXED INCOME
Intermediate-Term Bond	FTHRX	Fidelity interm Bond Fund
High Yield Bond	PHIYX	Pacific Investment Management Company High Yield Institutional Fund
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Institutional Fund

INTERNATIONAL EQUITY
Foreign Large Blend	FOSFX	Fidelity Overseas Fund
Foreign Large Growth	VIFIX	Van Kampen International Growth Fund
Foreign Large Value	MSIQX	Morgan Stanley Inst. International Equity Fund
Foreign Large Value	DODFX	Dodge & Cox International Stock Fund

REAL ESTATE
REAL ESTATE	CSRSX	Cohen & Steers Realty Shares Inc. Fund

Investment model portfolios

We provide two types of investment model portfolios for MBIA Inc. 401(k) 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
MBIA Inc. 401(k) Plan Tactical Asset Allocation Moderate	NA	6.62%	4.91%	5.83%	4.86%	7.10%	7.63%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	13.68%	9.60%	12.45%	11.73%	14.30%	9.55%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	6.90%	1.73%	5.57%	5.32%	7.88%	5.81%	…	…

	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 (%)	MBIA Inc. 401… Moderate	-0.09	6.62	4.91	5.83	4.86	7.10	7.63	…	…	NA	NA	-0.07	13.27	-12.64	16.92	8.83	12.10	-2.34	9.30	6.74	-1.45	3.59	11.28	10.50	-1.11	13.95	27.54	-3.16	11.09	20.06	6.79	9.92	26.73	5.92	8.04	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)	0.23	13.68	9.60	12.45	11.73	14.30	9.55	…	…	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)	0.60	6.90	1.73	5.57	5.32	7.88	5.81	…	…	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	MBIA Inc. 401… Moderate	NA	0.91	0.20	0.58	0.52	NA	NA	…	…	NA	NA	-0.07	1.16	-1.49	1.77	0.97	2.27	-0.49	1.54	1.30	-0.22	0.60	1.53	2.26	-0.10	1.14	2.67	-0.80	0.76	2.13	0.77	1.29	3.92	1.05	1.16	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(%)	MBIA Inc. 401… Moderate	NA	7.81	8.80	8.40	7.34	NA	NA	…	…	NA	NA	9.05	7.75	9.44	9.54	8.89	4.71	7.45	5.62	5.02	6.79	5.96	7.36	4.63	11.15	12.20	10.28	5.09	10.63	7.90	6.02	6.94	6.63	4.57	4.93	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(%)	MBIA Inc. 401… Moderate	NA	6.42	13.52	13.52	13.52	NA	NA	…	…	NA	NA	2.37	6.42	13.52	3.95	11.14	2.53	7.87	3.34	3.52	7.76	4.94	7.46	3.83	11.49	9.62	5.62	8.07	7.40	6.06	4.70	6.23	2.82	4.41	3.70	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(%)	MBIA Inc. 401… Moderate	NA	3.22	3.69	4.79	4.08	NA	NA	…	…	NA	NA	0.13	3.37	3.43	4.20	5.29	7.73	2.32	0.40	5.37	3.31	5.47	4.35	4.72	2.46	5.38	5.46	3.65	4.71	5.84	4.27	5.61	5.49	5.95	7.87	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	1.17	1.59	1.52	2.77	3.90	3.50	…	…	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	5.49	5.98	4.34	4.53	4.38	4.23	…	…	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 11/30/2023, Common starting date is 12/31/2000

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