Commonwealth Annuity and Life Ins Co COMMONWEALTH ANNUITY ADVANTAGE X B SHARES Investment Model Portfolios

Investment options of Commonwealth Annuity and Life Ins Co COMMONWEALTH ANNUITY ADVANTAGE X B SHARES

Total Available Funds: 33

Asset Class

Ticker

Description

US EQUITY
LARGE VALUE	CBBDX	AllianceBern Var Growth&Income B
LARGE GROWTH	APGBX	AllianceBern Var Large Cap Growth B
MID-CAP VALUE	ABBSX	AllianceBern Var Small/Mid Cap Value B
LARGE VALUE	ABVBX	AllianceBern Var Value B
Mid-Cap Growth	DFDIX	Delaware VIP SMID Cap Growth Svc
LARGE GROWTH	FCNTX	Fidelity V2 Contrafund S2
MID-CAP BLEND	FMEIX	Fidelity V3 Mid Cap S2
MID-CAP BLEND	FASBX	Fidelity V3 Value Strategic S2
LARGE VALUE	FISEX	Franklin VIP Growth&Income 2
LARGE GROWTH	FKGRX	Franklin VIP Large Capital Growth 2
LARGE VALUE	TESIX	Franklin VIP Mut Shares 2
Mid-Cap Growth	FBSMX	Franklin VIP S-M Capital Growth 2
LARGE BLEND	GTVLX	Invesco VI Basic Value II
LARGE GROWTH	LCGAX	Invesco VI Cap Appreciation I
Mid-Cap Growth	ACDAX	Invesco VI Capital Development II
LARGE BLEND	CHTRX	Invesco VI Core Plus Equity I
LARGE GROWTH	LCGAX	Invesco VI Large Capital Growth I
LARGE GROWTH	JAGRX	Janus Aspen Janus Svc
Mid-Cap Growth	OTCAX	MFS VIT Mid Cap Growth S
Small Growth	MNDIX	MFS VIT New Discovery S
LARGE GROWTH	OPTFX	Oppenheimer VA Capital Appreciation Svc
LARGE BLEND	OMSOX	Oppenheimer VA Main Street Svc

Others
Technology	KTCAX	DWS II Technology A
Health	GTHIX	Invesco VI Global Health Care I
Moderate Allocation	MTRIX	MFS VIT Total Return S
Utilities	MMUIX	MFS VIT Utility S
Moderate Allocation	OPASX	Oppenheimer VA Balanced Svc

FIXED INCOME
Bank Loan	EVFHX	Eaton Vance VT Flexible-Return Income
High Yield Bond	OPCHX	Oppenheimer VA High Income Svc

INTERNATIONAL EQUITY
Foreign Large Value	TEMFX	Franklin VIP Foreign Security 2
WORLD STOCK	OPPAX	Oppenheimer VA Global Svc

Emerging Market
DIVERSIFIED EMERGING MKTS	PEMFX	Pioneer VCT Em Markets II

REAL ESTATE
REAL ESTATE	PWREX	Pioneer VCT Real Est II

Investment model portfolios

We provide two types of investment model portfolios for Commonwealth Annuity and Life Ins Co COMMONWEALTH ANNUITY ADVANTAGE X B SHARES 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
Commonwealth Annuity and Life Ins Co COMMONWEALTH ANNUITY ADVANTAGE X B SHARES Tactical Asset Allocation Moderate	NA	-9.55%	2.47%	9.34%	7.02%	6.89%	9.11%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	-7.84%	12.14%	9.76%	12.14%	9.45%	10.11%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	-8.47%	3.99%	3.84%	5.55%	4.84%	6.49%	…	…

	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 (%)	Commonwealth … Moderate	-0.03	-9.55	2.47	9.34	7.02	6.89	9.11	…	…	NA	NA	NA	-367,765.12	-19.60	11.54	15.77	23.47	15.05	14.22	2.41	-2.81	2.78	11.07	8.09	-1.93	10.50	23.44	-7.92	17.11	17.92	14.50	8.39	28.11	0.14	0.13	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)	-0.65	-7.84	12.14	9.76	12.14	9.45	10.11	…	…	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)	-0.49	-8.47	3.99	3.84	5.55	4.84	6.49	…	…	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	Commonwealth … Moderate	NA	NA	NA	NA	NA	NA	NA	…	…	NA	NA	NA	NA	-1.47	1.11	1.78	2.28	1.48	3.10	0.43	-0.48	0.42	1.44	1.41	-0.17	0.73	2.06	-1.41	1.17	1.59	1.97	0.95	5.31	-0.21	-0.48	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(%)	Commonwealth … Moderate	NA	NA	NA	NA	NA	NA	NA	…	…	NA	NA	NA	NA	14.26	10.37	8.72	9.69	9.27	4.38	5.16	5.87	6.56	7.69	5.69	11.67	14.18	11.35	6.29	12.10	9.23	6.27	7.86	5.16	4.50	4.59	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(%)	Commonwealth … Moderate	NA	333,183.67	290,357.80	290,357.80	290,357.80	NA	NA	…	…	NA	NA	NA	344,760.75	22.33	5.49	4.31	0.00	5.17	1.74	3.54	8.07	7.22	6.29	4.49	12.46	10.09	5.58	9.15	10.05	11.61	4.82	10.20	1.93	7.07	5.57	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(%)	Commonwealth … Moderate	NA	36.29	16.30	18.75	11.23	NA	NA	…	…	NA	NA	NA	33.91	3.77	3.66	13.38	23.31	17.87	1.50	1.36	3.09	7.69	3.46	1.98	0.69	2.80	0.63	0.64	10.72	7.64	4.40	2.45	2.69	2.46	3.78	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 02/28/2023, Common starting date is 12/31/2000

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