Unitrin, Inc. 401(k) Savings Plan Investment Model Portfolios

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Investment options of Unitrin, Inc. 401(k) Savings Plan

Total Available Funds: 20

Asset Class

Ticker

Description

FIXED INCOME
ULTRASHORT BOND	NVSIX	Wells Fargo Stable Return Fund G Collective Tr
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Instl,Shares

INTERNATIONAL EQUITY
Foreign Large Growth	JAOSX	Janus Overseas Fund (J) Mutual Fund Shares
Foreign Large Blend	WFISX	Wells Fargo International Equity Index Fund G Collective Tr

US EQUITY
LARGE BLEND	DGAGX	Dreyfus app Fund Inc. Mutual Fund Shares
LARGE GROWTH	RGAFX	American Funds Growth Fund of Amer R5 Mutual Fund Shares
LARGE BLEND	WFVEX	Wells Fargo S P 500 Index Fund G Collective Tr
SMALL VALUE	JSIVX	Perkins Small Cap Value Instl,Shares
Mid-Cap Growth	PMGIX	Allianz CCM Mid Cap Instl,Shares
LARGE VALUE	HWLIX	Hotchkis & Wiley Large Cap Value I,Shares
MID-CAP VALUE	GSMCX	Goldman Sachs Mid Cap Value Instl,Shares
Small Growth	BSCFX	Baron Small Cap,Shares

Others
Moderate Allocation	ACETX	Van Kampen Equity & Income I,Shares
Target Date 2016-2020	FDIFX	Fidelity Advisor Freedom 2020 I Mutual Fund Shares
Target Date 2026-2030	FEFIX	Fidelity Advisor Freedom 2030 I Mutual Fund Shares
Target Date 2036-2040	FIFFX	Fidelity Advisor Freedom 2040 I Mutual Fund Shares
Target Date 2000-2010	FCIFX	Fidelity Advisor Freedom 2010 I Mutual Fund Shares
Retirement Income	FIAFX	Fidelity Advisor Freedom income I Mutual Fund Shares
Target Date 2050+	FFFPX	Fidelity Advisor Freedom 2050 I Mutual Fund Shares
EQUITY	PFG	Principal Financial Group Collective Tr

Investment model portfolios

We provide two types of investment model portfolios for Unitrin, Inc. 401(k) 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.

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
Unitrin, Inc. 401(k) Savings Plan Tactical Asset Allocation Moderate	NA	10.25%	4.38%	6.58%	5.25%	7.16%	8.28%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	15.89%	11.31%	16.10%	13.39%	9.48%	7.12%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	12.04%	6.90%	9.85%	7.27%	6.06%	5.64%	…	…

	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 (%)	Unitrin, Inc…. Moderate	-2.64	10.25	4.38	6.58	5.25	7.16	8.28	…	…	NA	NA	NA	NA	NA	22.19	11.01	11.61	-3.94	10.72	3.56	-1.73	2.38	15.16	9.70	-2.02	14.59	18.97	-0.57	11.46	17.02	9.24	9.89	21.31	2.96	8.65	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)	-3.29	15.89	11.31	16.10	13.39	9.48	7.12	…	…	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)	-2.20	12.04	6.90	9.85	7.27	6.06	5.64	…	…	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	Unitrin, Inc…. Moderate	NA	2.39	1.13	1.10	0.88	NA	NA	…	…	NA	NA	NA	NA	NA	0.77	1.27	2.13	-0.75	2.14	0.83	-0.34	0.40	2.26	1.62	-0.26	1.30	2.20	-0.22	0.84	1.75	1.15	1.07	3.73	0.37	1.17	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(%)	Unitrin, Inc…. Moderate	NA	16.58	10.82	9.15	7.80	NA	NA	…	…	NA	NA	NA	NA	NA	28.77	8.52	4.79	7.01	4.71	4.06	5.18	5.85	6.69	5.95	7.93	11.17	8.58	6.71	10.03	7.84	6.17	8.39	5.53	4.98	5.43	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(%)	Unitrin, Inc…. Moderate	NA	4.57	10.57	10.57	10.57	NA	NA	…	…	NA	NA	NA	NA	NA	3.63	10.57	3.83	9.34	3.10	3.01	6.71	6.72	4.34	5.69	9.20	9.01	4.44	6.64	7.04	9.16	5.13	10.52	2.21	5.89	4.10	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(%)	Unitrin, Inc…. Moderate	NA	7.07	5.38	3.91	4.36	NA	NA	…	…	NA	NA	NA	NA	NA	1.19	5.85	4.57	4.50	0.24	3.36	5.65	6.56	4.68	5.96	1.90	4.32	5.47	4.50	7.25	3.98	1.89	2.31	3.73	7.06	8.82	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	1.57	1.51	2.82	3.95	3.54	…	…	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	5.47	5.95	4.32	4.60	4.42	4.27	…	…	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 01/29/2021, Common starting date is 12/31/2000

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