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PICO HOLDINGS, INC. EMPLOYEES 401(k) RETIREMENT PLAN
Investment Model Portfolios

Investment options of PICO HOLDINGS, INC. EMPLOYEES 401(k) RETIREMENT PLAN

Total Available Funds: 26
Asset Class Ticker Description
Others
Equity Energy IENIX Invesco Energy Mutual Fund Class Institutional
Health GGHYX Invesco Global Health Care Mutual Fund Class Investor
EQUITY PRECIOUS METALS FGADX Franklin Gold & Precious Metals Fund A
ROOT CASH Western Asset Money Market Fund Class A Forfeiture account
ROOT CASH AIM STIT Liquid Assets Reserve
US EQUITY
LARGE VALUE RMFFX American Balanced Mutual Fund Class R5
LARGE GROWTH MCGIX Montage & Caldwell Growth Mutual Fund Class I
Mid-Cap Growth BGRFX Baron Growth Fund Retail
LARGE VALUE MBDVX Merrill Lynch Equity Dividend Mutual Fund Class A
LARGE GROWTH GGCIX GAMCO Growth Fund I,
LARGE GROWTH RGAFX American Funds Growth Fund of America R5
LARGE BLEND NBFCX Neuberger Berman Focus Fund;Investor
MID-CAP BLEND RPFIX Royce Premier Fund;Investment
LARGE VALUE RWMFX American Funds Washington Mutual Inv Fund R5
LARGE BLEND VFINX Vanguard 500 Index Fund;Investor
INTERNATIONAL EQUITY
Foreign Large Value MAIVX Merrill Lynch International Value Mutual Fund Class l I
Foreign Large Blend RERFX American Funds EuroPacific Growth Fund R5
REAL ESTATE
REAL ESTATE CSRSX Cohen & Steers Realty Shares
FIXED INCOME
Intermediate-Term Bond SRBFX Columbia Intermediate Bond Fund Z
LONG GOVERNMENT DRGBX Dreyfus US Treasury Long Term Fund
Intermediate Government LEINX ING GNMA Income Fund I
Short-Term Bond AIBAX American Funds Intmdt Bond Fund of America A
WORLD BOND RPIBX T Rowe Price International Bond Fund
Inflation-Protected Bond VIPSX Vanguard Inflation-Protected Securities Fund Inv
Emerging Market
DIVERSIFIED EMERGING MKTS DRFMX Dreyfus Emerging Mutual Fund Class A
COMMODITIES
COMMODITIES BROAD BASKET QRAYX Oppenheimer Commodity Strategy Total Return Mutual Fund Class Y

Investment model portfolios

We provide two types of investment model portfolios for PICO HOLDINGS, INC. EMPLOYEES 401(k) 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.

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
PICO HOLDINGS, INC. EMPLOYEES 401(k) RETIREMENT PLAN Tactical Asset Allocation Moderate NA 27.95% 0.95% 4.25% 3.92% 4.42% 6.21% 7.04%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 37.82% 8.86% 15.20% 12.89% 14.04% 10.46% 8.70%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 22.89% 2.25% 6.63% 6.01% 7.19% 6.10% 5.79%
Data as of 10/31/2024, AR inception is 12/31/2000

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