POLYONE RETIREMENT SAVINGS PLAN
Investment Model Portfolios
Investment options of POLYONE RETIREMENT SAVINGS PLAN
Total Available Funds: 24
| Asset Class |
Ticker
| Description |
| Others |
|
|
| ROOT |
CASH |
Mainstay Cash Reserves Fund I |
| ROOT |
unknow |
NY Life Insurance Anchor Account I |
| Moderate Allocation |
CBSRX |
Alliance Capital Management AllianceBernstein Balanced Shares |
| Retirement Income |
TRRIX |
T Rowe Price rtmt Income |
| Target Date 2000-2010 |
TRRFX |
T Rowe Price rtmt 2005 |
| Target Date 2000-2010 |
TRRAX |
T Rowe Price rtmt 2010 |
| Target Date 2011-2015 |
TRRGX |
T Rowe Price rtmt 2015 |
| Target Date 2016-2020 |
TRRBX |
T Rowe Price rtmt 2020 |
| Target Date 2021-2025 |
TRRHX |
T Rowe Price rtmt 2025 |
| Target Date 2026-2030 |
TRRCX |
T Rowe Price rtmt 2030 |
| Target Date 2031-2035 |
TRRJX |
T Rowe Price rtmt 2035 |
| Target Date 2036-2040 |
TRRDX |
T Rowe Price rtmt 2040 |
| Target Date 2041-2045 |
TRRKX |
T Rowe Price rtmt 2045 |
| Target Date 2050+ |
TRRMX |
T Rowe Price rtmt 2050 |
| Target Date 2050+ |
TRRNX |
T Rowe Price rtmt 2055 |
| ROOT |
CASH |
Mainstay Cash Reserves Fund I |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
PTTRX |
Pacific Investment Management Company Total Return Fund |
|
| US EQUITY |
|
|
| Small Growth |
GTSRX |
AIM Advisors Small Cap Growth Fund |
| LARGE GROWTH |
RGAFX |
American Funds Growth Fund of Amer Fund |
| LARGE VALUE |
RWMFX |
American Funds Washington Mutual Investors Fund |
| LARGE BLEND |
MSPIX |
Mainstay S P 500 Index Fund |
| LARGE BLEND |
MAPRX |
Mainstay MAP Fund |
| MID-CAP VALUE |
FBSRX |
Franklin Advisory Services Franklin Balance Sheet Investment Fund |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
RERFX |
American Funds Euro Pacific Growth Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for POLYONE RETIREMENT 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.
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 (%)
|
PolyOne Retir... Moderate
|
-1.03 |
24.41 |
0.16 |
4.18 |
4.01 |
4.91 |
5.86 |
6.52 |
NA |
6.34 |
14.60 |
-23.37 |
9.12 |
15.13 |
8.69 |
-2.12 |
12.00 |
2.50 |
-0.44 |
0.09 |
14.71 |
8.33 |
1.99 |
6.07 |
16.51 |
-2.91 |
11.19 |
12.23 |
5.78 |
10.29 |
16.42 |
5.82 |
6.54 |
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
|
PolyOne Retir... Moderate
|
NA |
0.17 |
-0.39 |
0.07 |
0.21 |
NA |
NA |
0.61 |
0.08 |
-0.02 |
1.07 |
-1.47 |
0.64 |
1.69 |
1.70 |
-0.47 |
2.33 |
0.59 |
-0.09 |
0.01 |
2.17 |
1.51 |
0.28 |
0.54 |
2.15 |
-0.94 |
0.86 |
1.25 |
0.60 |
1.29 |
2.86 |
1.80 |
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 |
0.51 |
0.88 |
0.82 |
0.65 |
NA |
NA |
0.45 |
0.43 |
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 |
0.72 |
0.74 |
0.55 |
0.50 |
NA |
NA |
0.51 |
0.97 |
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(%)
|
PolyOne Retir... Moderate
|
NA |
10.18 |
12.70 |
12.40 |
9.51 |
NA |
NA |
8.04 |
8.86 |
10.26 |
9.68 |
16.88 |
14.30 |
8.83 |
4.27 |
7.35 |
4.87 |
3.91 |
4.98 |
6.45 |
6.76 |
5.47 |
7.10 |
11.14 |
7.64 |
4.05 |
9.59 |
7.19 |
6.01 |
7.25 |
5.49 |
2.62 |
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 |
19.85 |
17.21 |
17.41 |
18.48 |
NA |
NA |
18.10 |
24.02 |
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 |
10.49 |
10.11 |
10.08 |
10.41 |
NA |
NA |
11.48 |
12.31 |
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(%)
|
PolyOne Retir... Moderate
|
NA |
7.23 |
26.14 |
29.16 |
29.16 |
NA |
NA |
29.16 |
0.67 |
7.23 |
10.24 |
28.30 |
5.71 |
10.21 |
3.17 |
7.96 |
4.02 |
3.14 |
4.98 |
5.40 |
4.95 |
4.99 |
5.80 |
9.52 |
3.63 |
6.29 |
7.05 |
8.90 |
4.48 |
6.20 |
3.43 |
1.60 |
2.77 |
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)
|
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(%)
|
PolyOne Retir... Moderate
|
NA |
4.22 |
7.93 |
7.10 |
5.19 |
NA |
NA |
4.61 |
NA |
0.65 |
4.27 |
2.70 |
16.21 |
5.28 |
7.37 |
3.83 |
0.23 |
2.89 |
5.12 |
3.79 |
2.92 |
3.73 |
1.99 |
3.84 |
4.95 |
2.66 |
6.08 |
5.43 |
3.37 |
3.38 |
3.26 |
5.51 |
6.65 |
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)
|
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
