United Western Bancorp, Inc. 401(k) Plan Investment Model Portfolios

Investment options of United Western Bancorp, Inc. 401(k) Plan

Total Available Funds: 29

Asset Class

Ticker

Description

Others
Moderate Allocation	AADBX	American Beacon Balanced Fund
ROOT	CASH	First American Prime Obligations Fund
Target Date 2000-2010	TRRAX	T. Rowe Price Retirement rtmt 2010 Fund
Target Date 2011-2015	TRRGX	T. Rowe Price Retirement rtmt 2015 Fund
Target Date 2016-2020	TRRBX	T. Rowe Price Retirement rtmt 2020 Fund
Target Date 2021-2025	TRRHX	T. Rowe Price Retirement rtmt 2025 Fund
Target Date 2026-2030	TRRCX	T. Rowe Price Retirement rtmt 2030 Fund
Target Date 2000-2010	TRRAX	T. Rowe Price Retirement rtmt 2035 Fund
Target Date 2036-2040	TRRDX	T. Rowe Price Retirement rtmt 2040 Fund
Target Date 2041-2045	TRRKX	T. Rowe Price Retirement rtmt 2045 Fund
Target Date 2050+	TRRMX	T. Rowe Price Retirement rtmt 2050 Fund
Target Date 2050+	TRRNX	T. Rowe Price Retirement rtmt 2055 Fund
Retirement Income	TRRIX	T. Rowe Price Retirement rtmt Income Fund

US EQUITY
LARGE VALUE	FSKIX	First American First American Large Cap Value Fund
Mid-Cap Growth	FISGX	First American First American Mid Cap Growth Opp
MID-CAP VALUE	GSMCX	Goldman Sachs Mid Cap Value Fund Inst
SMALL BLEND	KSCIX	Keeley Keeley Small Cap Value Fund
Small Growth	LSBYX	Lord Abbett Lord Abbett Small Cap Blend Fund Y
LARGE BLEND	PYODX	Pioneer Fund Class Y Fund
SMALL BLEND	RTRIX	Royce Royce Total Return Instl
LARGE GROWTH	TRBCX	T. Rowe Price Retirement Blue Chip Growth
LARGE BLEND	VFINX	Vanguard 500 Index
MID-CAP BLEND	VSPIX	Victory Special Value I

Emerging Market
DIVERSIFIED EMERGING MKTS	LZEMX	Lazard Lazard Emerging Mkts Fund Instl

REAL ESTATE
REAL ESTATE	TRREX	T. Rowe Price Retirement Real Estate

FIXED INCOME
WORLD BOND	TPINX	Templeton Templeton Global Bond A
Intermediate-Term Bond	VFICX	Vanguard Inter-Term Corporate Fund
SHORT GOVERNMENT	STABLEVALUE	US Bank Stable Asset Fund

INTERNATIONAL EQUITY
Foreign Large Blend	UMBWX	UMB Scout UMB Scout International Fund

Investment model portfolios

We provide two types of investment model portfolios for United Western Bancorp, 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
United Western Bancorp, Inc. 401(k) Plan Tactical Asset Allocation Moderate	NA	33.27%	11.03%	12.88%	8.23%	8.57%	10.21%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	…	…

	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 (%)	United Wester… Moderate	-0.82	33.27	11.03	12.88	8.23	8.57	10.21	…	…	NA	0.12	17.31	22.62	-8.53	14.51	16.85	13.01	-4.56	11.76	4.62	-3.18	3.92	10.54	6.94	3.42	15.80	30.76	-2.90	17.86	16.54	14.41	12.39	28.83	11.38	7.77	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	…	…	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)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	…	…	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	United Wester… Moderate	NA	1.52	0.59	0.94	0.74	NA	NA	…	…	NA	0.01	1.49	2.15	-0.71	1.39	1.83	2.21	-0.74	2.04	0.72	-0.52	0.66	1.46	1.12	0.36	1.22	3.53	-0.86	1.36	1.48	1.73	1.28	4.96	1.80	1.02	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(%)	United Wester… Moderate	NA	7.14	10.36	10.13	8.43	NA	NA	…	…	NA	5.05	7.21	8.55	14.03	10.43	9.07	5.26	7.98	5.46	6.11	6.16	5.90	7.19	6.14	9.29	12.90	8.69	4.43	10.93	8.94	7.07	8.92	5.68	5.69	5.34	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(%)	United Wester… Moderate	NA	6.65	13.51	15.41	15.41	NA	NA	…	…	NA	0.38	6.65	6.10	14.58	4.42	12.08	2.78	11.69	2.60	4.81	9.00	5.56	6.35	6.85	7.87	9.74	4.55	5.75	9.59	11.61	5.68	11.44	3.28	6.69	3.66	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(%)	United Wester… Moderate	NA	20.53	16.12	11.98	7.18	NA	NA	…	…	NA	NA	5.37	19.32	13.51	9.09	5.92	6.56	2.54	0.26	2.83	2.19	3.73	4.37	4.31	4.00	4.24	4.19	3.26	8.60	6.58	6.02	2.85	5.08	4.13	6.87	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	1.16	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	5.45	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 10/31/2024, Common starting date is 12/31/2000

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