TREE.COM 401(K) RETIREMENT SAVINGS PLAN
Investment Model Portfolios
--
Investment options of TREE.COM 401(K) RETIREMENT SAVINGS PLAN
Total Available Funds: 29
| Asset Class |
Ticker
| Description |
| FIXED INCOME |
|
|
| SHORT GOVERNMENT |
STABLEVALUE |
Schwab Stable Value Fund Collective Tr |
| Intermediate-Term Bond |
LIGRX |
Loomis Sayles Inv Grade Bond A |
| Intermediate-Term Bond |
PTTDX |
Pacific Investment Management Company Total Return D |
|
| Others |
|
|
| Target Date 2000-2010 |
LTARX |
AllianceBernstein 2000 rtmt St R |
| Target Date 2000-2010 |
LTBRX |
AllianceBernstein 2005 rtmt St R |
| Target Date 2000-2010 |
LTDRX |
AllianceBernstein 2010 rtmt St R |
| Target Date 2011-2015 |
LTERX |
AllianceBernstein 2015 rtmt St R |
| Target Date 2016-2020 |
LTHRX |
AllianceBernstein 2020 rtmt St R |
| Target Date 2021-2025 |
LTJRX |
AllianceBernstein 2025 rtmt St R |
| Target Date 2026-2030 |
LTKRX |
AllianceBernstein 2030 rtmt St R |
| Target Date 2031-2035 |
LTLRX |
AllianceBernstein 2035 rtmt St R |
| Target Date 2036-2040 |
LTSRX |
AllianceBernstein 2040 rtmt St R |
| Target Date 2041-2045 |
LTPRX |
AllianceBernstein 2045 rtmt St R |
| Target Date 2050+ |
LTQRX |
AllianceBernstein 2050 rtmt St R |
| Target Date 2050+ |
LTWRX |
AllianceBernstein 2055 rtmt St R |
| ROOT |
SWPIX |
Schwab S P 500 Index Fund |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Value |
AFJAX |
Alianz NFJ International Value A |
| FOREIGN SMALL/MID GROWTH |
ACINX |
Columbia Acorn International Z |
| Foreign Large Growth |
NIACX |
Nicholas-Apple Int All Cap Growth I |
| Foreign Large Blend |
VDMIX |
Vanguard Developed Mkts Index |
|
| US EQUITY |
|
|
| LARGE VALUE |
MRDVX |
BlackRock Equity Dividend |
| Mid-Cap Growth |
BMEAX |
BlackRock US Opportunities Inv A |
| Small Growth |
CMSCX |
Columbia Small Cap Growth Z |
| LARGE GROWTH |
FCNTX |
Fidelity Contra Fund |
| MID-CAP BLEND |
FLPSX |
Fidelity Low Priced Stock |
| LARGE BLEND |
HCTSX |
Hartford Capital app II R4 |
| MID-CAP VALUE |
JMVIX |
Perkins Mid Cap Value S |
| SMALL BLEND |
RLPIX |
Royce Low Priced Stock Fund |
|
| Emerging Market |
|
|
| DIVERSIFIED EMERGING MKTS |
LZOEX |
Lazard Emerging Mkts Equity Open |
|
Investment model portfolios
We provide two types of investment model portfolios for TREE.COM 401(K) 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 (%)
|
TREE.COM 401(... Moderate
|
-0.89 |
30.46 |
10.08 |
10.80 |
6.84 |
6.62 |
9.00 |
9.62 |
NA |
17.17 |
25.84 |
-9.46 |
4.35 |
18.26 |
3.90 |
-6.13 |
14.42 |
7.20 |
-2.32 |
3.08 |
15.19 |
1.86 |
-1.08 |
9.03 |
31.92 |
-4.36 |
22.00 |
20.57 |
14.91 |
8.71 |
27.40 |
4.45 |
6.75 |
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
|
TREE.COM 401(... Moderate
|
NA |
1.47 |
0.85 |
0.97 |
0.72 |
NA |
NA |
1.04 |
0.10 |
1.21 |
2.96 |
-1.26 |
0.47 |
2.07 |
0.51 |
-0.95 |
2.53 |
1.17 |
-0.46 |
0.45 |
2.07 |
0.27 |
-0.13 |
0.82 |
3.18 |
-1.00 |
1.58 |
1.82 |
2.04 |
0.96 |
4.99 |
0.77 |
1.09 |
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 |
0.60 |
0.95 |
0.80 |
0.65 |
NA |
NA |
0.45 |
0.51 |
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(%)
|
TREE.COM 401(... Moderate
|
NA |
8.79 |
8.30 |
8.56 |
7.37 |
NA |
NA |
7.68 |
12.05 |
8.75 |
7.30 |
8.57 |
9.11 |
8.73 |
4.85 |
7.85 |
5.45 |
5.98 |
5.06 |
6.79 |
7.31 |
6.63 |
8.77 |
10.84 |
10.01 |
5.29 |
12.06 |
9.53 |
6.24 |
8.12 |
5.35 |
4.34 |
4.06 |
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 |
19.74 |
17.13 |
17.38 |
18.46 |
NA |
NA |
18.09 |
23.24 |
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(%)
|
TREE.COM 401(... Moderate
|
NA |
5.67 |
13.18 |
15.29 |
16.12 |
NA |
NA |
16.12 |
0.81 |
5.67 |
4.64 |
14.16 |
5.14 |
10.78 |
3.79 |
12.27 |
2.15 |
4.34 |
7.44 |
6.87 |
5.02 |
7.49 |
8.48 |
9.21 |
4.67 |
6.73 |
10.51 |
13.44 |
4.68 |
9.85 |
3.51 |
5.72 |
2.76 |
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(%)
|
TREE.COM 401(... Moderate
|
NA |
14.63 |
11.40 |
8.91 |
6.35 |
NA |
NA |
5.65 |
NA |
4.46 |
14.37 |
8.12 |
7.27 |
7.41 |
2.42 |
2.72 |
3.50 |
4.03 |
1.85 |
6.95 |
8.28 |
2.72 |
3.02 |
3.18 |
4.59 |
2.87 |
13.01 |
8.81 |
5.51 |
1.92 |
1.38 |
4.82 |
6.70 |
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
