Citizens Financial Bank 401(k) Retirement Plan
Investment Model Portfolios
Investment options of Citizens Financial Bank 401(k) Retirement Plan
Total Available Funds: 26
| Asset Class |
Ticker
| Description |
| Others |
|
|
| Target Date 2016-2020 |
VTWNX |
Vanguard Target rtmt 2020 Fund |
| Target Date 2021-2025 |
VTTVX |
Vanguard Target rtmt 2025 Fund |
| Target Date 2031-2035 |
VTTHX |
Vanguard Target rtmt 2035 Fund |
| Target Date 2026-2030 |
VTHRX |
Vanguard Target rtmt 2030 Fund |
| Target Date 2000-2010 |
VTENX |
Vanguard Target rtmt 2010 Fund |
| Target Date 2011-2015 |
VTXVX |
Vanguard Target rtmt 2015 Fund |
| Target Date 2000-2010 |
VTOVX |
Vanguard Target rtmt 2005 Fund |
| Target Date 2036-2040 |
VFORX |
Vanguard Target rtmt 2040 Fund |
| ROOT |
CASH |
Vanguard Prime Money Mkt Fund |
| Target Date 2041-2045 |
VTIVX |
Vanguard Target rtmt 2045 Fund |
| Target Date 2050+ |
VFIFX |
Vanguard Target rtmt 2050 Fund |
| Moderate Allocation |
VBINX |
Vanguard Balanced Index Fund |
| Retirement Income |
VTINX |
Vanguard Target rtmt Income |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
VBMFX |
Vanguard Total Bond Mkt Index Fund |
| High Yield Bond |
VWEHX |
Vanguard High-Yield Corporate Fund |
|
| US EQUITY |
|
|
| LARGE GROWTH |
VIGRX |
Vanguard Growth Index Fund |
| LARGE BLEND |
VFINX |
Vanguard 500 Index Fund |
| Mid-Cap Growth |
VMGIX |
Vanguard Mid-Cap Growth Index Fund |
| SMALL VALUE |
VISVX |
Vanguard Small-Cap Value Index Fund |
| LARGE VALUE |
VIVAX |
Vanguard Value Index Fund |
| Small Growth |
VISGX |
Vanguard Small-Cap Growth Index Fund |
| SMALL BLEND |
NAESX |
Vanguard Small-Cap Index Fund |
| MID-CAP VALUE |
VMVIX |
Vanguard Mid-Cap Value Index Fund |
| MID-CAP BLEND |
VIMSX |
Vanguard Mid-Cap Index Fund |
| US EQUITY |
CITZ |
CFS Bancorp Inc |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
VGTSX |
Vanguard Total International Stock Index Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for Citizens Financial Bank 401(k) Retirement 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.
|
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 (%)
|
Citizens Fina... Moderate
|
-0.99 |
20.05 |
1.86 |
5.55 |
4.26 |
4.93 |
5.88 |
6.46 |
NA |
8.72 |
10.08 |
-12.37 |
6.28 |
13.81 |
9.70 |
-3.36 |
10.15 |
6.02 |
-5.86 |
2.73 |
12.30 |
5.92 |
2.06 |
5.70 |
15.82 |
-1.04 |
10.20 |
14.34 |
5.45 |
8.18 |
19.89 |
1.71 |
6.27 |
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
|
Citizens Fina... Moderate
|
NA |
0.38 |
-0.18 |
0.28 |
0.33 |
NA |
NA |
0.69 |
0.03 |
0.24 |
0.77 |
-1.55 |
0.73 |
1.55 |
2.07 |
-0.61 |
2.21 |
1.24 |
-0.89 |
0.50 |
1.75 |
1.33 |
0.27 |
0.61 |
1.97 |
-0.44 |
0.72 |
1.37 |
0.52 |
0.96 |
3.10 |
0.13 |
1.04 |
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)
|
NA |
0.85 |
0.91 |
0.82 |
0.67 |
NA |
NA |
0.46 |
0.62 |
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 |
0.62 |
0.74 |
0.50 |
0.48 |
NA |
NA |
0.51 |
0.88 |
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(%)
|
Citizens Fina... Moderate
|
NA |
8.89 |
8.49 |
8.57 |
7.26 |
NA |
NA |
7.03 |
11.75 |
8.88 |
7.56 |
8.89 |
8.54 |
8.76 |
4.01 |
7.72 |
4.30 |
4.69 |
6.63 |
5.43 |
7.02 |
4.41 |
7.59 |
9.28 |
7.97 |
4.43 |
9.96 |
8.07 |
6.25 |
7.55 |
6.20 |
4.55 |
3.82 |
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)
|
NA |
19.55 |
17.05 |
17.37 |
18.46 |
NA |
NA |
18.09 |
22.85 |
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 |
10.45 |
10.08 |
10.06 |
10.41 |
NA |
NA |
11.48 |
11.95 |
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(%)
|
Citizens Fina... Moderate
|
NA |
6.17 |
12.00 |
14.92 |
14.92 |
NA |
NA |
14.92 |
1.03 |
6.17 |
6.40 |
13.37 |
4.10 |
9.05 |
2.23 |
9.16 |
1.88 |
4.01 |
9.92 |
5.25 |
4.80 |
4.24 |
6.44 |
8.87 |
4.69 |
7.63 |
6.84 |
9.83 |
4.40 |
7.44 |
3.31 |
5.00 |
2.30 |
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 |
12.88 |
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(%)
|
Citizens Fina... Moderate
|
NA |
3.25 |
3.09 |
2.75 |
2.47 |
NA |
NA |
2.92 |
NA |
0.89 |
3.20 |
2.04 |
3.36 |
2.01 |
3.06 |
2.45 |
0.52 |
3.04 |
2.37 |
2.63 |
1.40 |
3.24 |
2.09 |
3.37 |
4.11 |
2.98 |
2.82 |
3.07 |
2.46 |
3.17 |
3.83 |
3.76 |
5.39 |
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 |
Data as of 10/31/2024, AR inception is 12/31/2000
