High Quality Fund Plan 2010 Investment Model Portfolios

Basing on the fund quality result calculated on 10/16/2010, we select one or two highest quality funds from each asset class to construct this plan. The plan consists of 55 funds, the fund quality scores of which are all above 95%.

Investment options of High Quality Fund Plan 2010

Total Available Funds: 55

Asset Class

Ticker

Description

Others
Conservative Allocation	BERIX	Berwyn Income
Conservative Allocation	RCLEX	Russell LifePoints Con Strat E
Moderate Allocation	FMTIX	Franklin Templeton Moderate Target A
Moderate Allocation	JABLX	Janus Aspen Balanced Instl
World Allocation	UNASX	W&R Adv:Asset Strat;A
ROOT	CASH	Money Market

Emerging Market
DIVERSIFIED EMERGING MKTS	ODVCX	Oppenheimer Developing Markets C
DIVERSIFIED EMERGING MKTS	GTDDX	AIM Developing Markets A

FIXED INCOME
Emerging Markets Bond	TGEIX	TCW Emerging Markets Income I
High Yield Bond	FHNIX	Fidelity Advisor High Income I
High Yield Bond	BHYIX	BlackRock High Yield Bond Instl
High Yield Muni	MHF	Western Asset Mun Hi Inc
Intermediate Government	BGPSX	BlackRock GNMA Svc
Intermediate Government	BGPAX	BlackRock GNMA Inv A
Intermediate-Term Bond	PRFAX	PIMCO Total Return III Admin
Intermediate-Term Bond	PTTRX	PIMCO Total Return Instl
Multisector Bond	AGDAX	AllianceBernstein High Income A
Multisector Bond	FSTAX	Fidelity Advisor Strategic Income A
Muni Single State Interm	BSCIX	BB&T SC Intermediate Tax-Free I
Muni Single State Long	VIDAX	Delaware Tax-Free ID A
SHORT GOVERNMENT	GSDSX	Goldman Sachs Short Dur Govt Svc
SHORT GOVERNMENT	GGIFX	Victory for Income R
Short-Term Bond	LALDX	Lord Abbett Short Duration Income A
Short-Term Bond	MSTDX	MassMutual Premier Short-Duration Bond S
ULTRASHORT BOND	PSFAX	PIMCO Short-Term Admin
WORLD BOND	TPINX	Templeton Global Bond A
WORLD BOND	SDGIX	Dreyfus/Standish Global Fixed Income

INTERNATIONAL EQUITY
Foreign Large Blend	FGFAX	Federated International Leaders A
Foreign Large Blend	AEPGX	American Funds EuroPacific Gr A
Foreign Large Growth	JAIGX	Janus Aspen International Growth Instl
Foreign Large Growth	MQGIX	MFS International Growth I
Foreign Large Value	OARIX	Oakmark International II
Foreign Large Value	NGRRX	Nuveen Tradewinds International Value I
WORLD STOCK	NAWGX	ING Global Value Choice A

REAL ESTATE
Global Real Estate	PURAX	Dryden Global Real Estate A
REAL ESTATE	FREAX	First American Real Estate Secs A
REAL ESTATE	CGMRX	CGM Realty

US EQUITY
LARGE BLEND	EVVTX	Evergreen Fundamental Large Cap I
LARGE BLEND	GPAFX	RS Large Cap Alpha A
LARGE GROWTH	SGROX	Wells Fargo Advantage Growth Inv
LARGE GROWTH	EKOAX	Evergreen Omega A
LARGE VALUE	FDSAX	SunAmerica Focused Dividend Strategy A
LARGE VALUE	AGOAX	Jennison Equity Income L
MID-CAP BLEND	CHTTX	Aston/Optimum Mid Cap N
MID-CAP BLEND	FMIMX	FMI Common Stock
Mid-Cap Growth	MPEGX	Morgan Stanley Inst Mid Cap Growth I
Mid-Cap Growth	NMCIX	ING Mid Cap Opportunities I
MID-CAP VALUE	NSEIX	Nicholas Equity Income I
MID-CAP VALUE	MPMVX	Morgan Stanley Inst US Md Cp Value Inv
SMALL BLEND	RYOTX	Royce Micro-Cap Invt
SMALL BLEND	FSCDX	Fidelity Advisor Small Cap A
Small Growth	NVSOX	Wells Fargo Advantage Small Cap Opp Adm
Small Growth	VSEBX	JPMorgan Small Cap Equity B
SMALL VALUE	JSIVX	Perkins Small Cap Value Instl
SMALL VALUE	PSVIX	Allianz NFJ Small Cap Value Instl

Investment model portfolios

We provide two types of investment model portfolios for High Quality Fund Plan 2010 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
High Quality Fund Plan 2010 Tactical Asset Allocation Moderate	NA	-21.43%	-3.81%	-2.33%	1.09%	3.41%	8.00%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	-15.61%	8.16%	9.09%	11.56%	7.83%	9.73%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	-18.17%	1.21%	2.65%	4.86%	3.79%	6.20%	…	…

	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 (%)	High Quality … Moderate	-1.01	-21.43	-3.81	-2.33	1.09	3.41	8.00	…	…	NA	NA	NA	NA	-17.20	12.14	3.66	8.07	-7.04	11.87	5.77	-8.87	4.10	9.42	7.63	-2.33	14.89	32.26	-4.38	19.43	18.27	16.53	14.22	41.29	14.38	9.44	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)	-2.88	-15.61	8.16	9.09	11.56	7.83	9.73	…	…	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)	-1.76	-18.17	1.21	2.65	4.86	3.79	6.20	…	…	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	High Quality … Moderate	NA	-1.05	-0.08	-0.13	0.17	NA	NA	…	…	NA	NA	NA	NA	-1.10	1.09	0.34	1.35	-1.03	2.13	0.97	-1.35	0.75	1.17	1.09	-0.21	1.24	3.67	-1.13	1.30	1.54	1.96	1.59	6.88	2.87	1.66	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	1.74	1.20	0.63	0.75	NA	NA	…	…	1.34	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	1.66	1.15	0.39	0.64	NA	NA	…	…	1.29	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(%)	High Quality … Moderate	NA	16.37	12.66	10.70	8.78	NA	NA	…	…	NA	NA	NA	NA	16.62	11.13	10.05	4.93	8.08	5.27	5.71	6.57	5.45	8.02	6.94	11.08	11.94	8.77	4.70	12.67	9.77	7.34	8.33	5.91	4.63	4.29	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	12.41	14.92	16.96	18.14	NA	NA	…	…	14.11	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	8.68	9.03	10.09	10.34	NA	NA	…	…	10.65	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(%)	High Quality … Moderate	NA	26.03	27.20	27.20	27.20	NA	NA	…	…	NA	NA	NA	NA	25.44	6.53	18.36	2.94	13.74	2.60	4.86	12.54	6.04	8.17	6.57	11.63	8.84	4.58	8.96	10.20	13.28	6.66	9.94	3.00	3.32	2.95	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(%)	High Quality … Moderate	NA	8.12	6.28	5.01	4.77	NA	NA	…	…	NA	NA	NA	NA	3.07	7.75	6.38	4.13	4.10	0.63	5.96	4.10	5.26	4.65	5.02	3.43	2.76	4.26	3.60	7.40	5.96	3.40	4.29	10.94	4.32	5.75	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)	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 09/30/2022, Common starting date is 12/31/2000

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