ANTS Software 401K Investment Model Portfolios

This plan was created based on a user’s request. The following is the investment menu:

SYMBOL	NAME	TYPE	Minimum Hold Period
SSV2Z	Schwab Stable Value Advisor Class	Stable Value	0
GTAVX	AIM Mid Cap Core Equity 1	Mid-Cap Blend	90
IARRX	AIM Real Estate R	Real Estate	31
RMFFX	American Funds American Mutual R5	Large Value	90
RWIFX	American Funds Capital World G/I R4	World Stock	90
RERFX	American Funds EuroPacific Gr R5	Foreign Large Blend	90
RFNFX	American Funds Fundamental Invs R5	Large Blend	90
RSLFX	American Funds SMALLCAP World R5	World Stock	90
FSCDX	Fidelity Advisor Small Cap A	Small Blend	90
FSTAX	Fidelity Advisor Strategic Income A	Multisector Bond	90
FSMEX	Fidelity Select Medical Equip & Systems	Health	90
JARTX	Janus Forty S	Large Growth	90
ODMAX	Oppenheimer Developing Markets A	Diversified Emerging Mkts	90
PTRRX	PIMCO Total Return R	Intermediate-Term Bond	90
JNRRX	Prudential Jennison Natural Resources R	Natural Resources	30
SLMCX	Seligman Communications & Information A	Technology	90
TPINX	Templeton Global Bond A	World Bond	90
VFIIX	Vanguard GNMA	Intermediate Government	90
VWEHX	Vanguard High-Yield Corporate	High Yield Bond	90
VIPSX	Vanguard Inflation-Protected Secs	Inflation-Protected Bond	90
VMGRX	Vanguard Mid Cap Growth	Mid-Cap Blend	90
VBISX	Vanguard Short-Term Bond Index	Short-Term Bond	90
NAESX	Vanguard Small Cap Index	Small Blend	90
VTSMX	Vanguard Total Stock Mkt Idx	Large Blend	90

Investment options of ANTS Software 401K

Total Available Funds: 24

Asset Class

Ticker

Description

Others
ROOT	CASH	Schwab Stable Value Advisor Class (Money Mkt Sub)
Health	FSMEX	Fidelity Select Medical Equip & Systems
Natural Resources	JNRRX	Prudential Jennison Natural Resources R
Technology	SLMCX	Seligman Communications & Information A

US EQUITY
MID-CAP BLEND	GTAVX	AIM Mid Cap Core Equity 1
LARGE VALUE	RMFFX	American Funds American Mutual R5
LARGE BLEND	RFNFX	American Funds Fundamental Invs R5
SMALL BLEND	FSCDX	Fidelity Advisor Small Cap A
LARGE GROWTH	JARTX	Janus Forty S
Mid-Cap Growth	VMGRX	Vanguard Mid Cap Growth
SMALL BLEND	NAESX	Vanguard Small Cap Index
LARGE BLEND	VTSMX	Vanguard Total Stock Mkt Idx

REAL ESTATE
REAL ESTATE	IARRX	AIM Real Estate R

INTERNATIONAL EQUITY
WORLD STOCK	RWIFX	American Funds Capital World G/I R4
Foreign Large Blend	RERFX	American Funds EuroPacific Gr R5
WORLD STOCK	RSLFX	American Funds SMALLCAP World R5

FIXED INCOME
Multisector Bond	FSTAX	Fidelity Advisor Strategic Income A
Intermediate-Term Bond	PTRRX	PIMCO Total Return R
WORLD BOND	TPINX	Templeton Global Bond A
Intermediate Government	VFIIX	Vanguard GNMA
High Yield Bond	VWEHX	Vanguard High-Yield Corporate
Inflation-Protected Bond	VIPSX	Vanguard Inflation-Protected Secs
Short-Term Bond	VBISX	Vanguard Short-Term Bond Index

Emerging Market
DIVERSIFIED EMERGING MKTS	ODMAX	Oppenheimer Developing Markets A

Investment model portfolios

We provide two types of investment model portfolios for ANTS Software 401K 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
ANTS Software 401K Tactical Asset Allocation Moderate	NA	22.38%	3.14%	6.73%	6.24%	7.49%	9.30%	…	…
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 (%)	ANTS Software… Moderate	-1.66	22.38	3.14	6.73	6.24	7.49	9.30	…	…	NA	0.68	4.84	15.53	-16.63	14.70	11.22	19.12	-9.10	16.12	5.90	0.03	2.18	14.63	8.46	6.36	14.52	22.75	5.57	19.37	10.58	13.71	18.95	22.89	-0.45	1.19	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	ANTS Software… Moderate	NA	-0.03	-0.22	0.20	0.35	NA	NA	…	…	NA	0.07	-0.17	1.34	-1.32	1.40	0.53	2.91	-0.94	2.93	0.69	0.00	0.29	1.89	0.92	0.44	1.17	2.12	0.72	1.35	0.74	1.62	2.09	3.49	-0.31	-0.14	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(%)	ANTS Software… Moderate	NA	10.32	10.98	13.45	11.15	NA	NA	…	…	NA	8.74	10.38	8.39	13.64	10.48	20.70	6.09	11.13	5.28	8.29	9.02	7.41	7.70	9.11	14.24	12.34	10.71	6.49	12.15	9.93	7.12	8.63	6.36	4.95	7.86	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(%)	ANTS Software… Moderate	NA	9.06	19.59	25.36	25.36	NA	NA	…	…	NA	0.66	9.06	7.15	22.08	6.22	25.36	2.31	17.16	2.16	6.61	8.44	5.72	8.16	8.20	10.17	9.97	5.27	3.60	10.64	13.36	5.90	9.97	5.13	6.55	10.10	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(%)	ANTS Software… Moderate	NA	6.50	5.42	4.85	4.89	NA	NA	…	…	NA	NA	1.44	6.83	2.80	5.93	2.95	6.28	6.24	8.53	2.19	4.35	3.77	4.83	2.83	2.96	3.58	4.16	4.94	10.60	5.57	5.26	3.25	4.56	5.05	5.36	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	1.18	1.60	1.52	2.78	3.91	3.46	…	…	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	5.51	6.00	4.34	4.54	4.38	4.18	…	…	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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