Fidelity Investment Life Insurance Co FIDELITY RETIREMENT RESERVES C SHARES Investment Model Portfolios

Investment options of Fidelity Investment Life Insurance Co FIDELITY RETIREMENT RESERVES C SHARES

Total Available Funds: 28

Asset Class

Ticker

Description

US EQUITY
MID-CAP BLEND	WTSGX	Credit Suisse US Equity Flexible I
LARGE GROWTH	FCNTX	Fidelity V2 Contrafund Init
LARGE BLEND	FUSEX	Fidelity V2 Index 500 Init
LARGE GROWTH	FAGCX	Fidelity V3 Growth Opportunities Init
LARGE GROWTH	FGIOX	Fidelity V3 Growth&Income Init
Mid-Cap Growth	FMCCX	Fidelity V3 Mid Cap Init
LARGE VALUE	FEQIX	Fidelity VIP Equity-Income Init
LARGE GROWTH	EPGAX	Fidelity VIP Growth Init
Mid-Cap Growth	WFDAX	WFVT Discovery
MID-CAP BLEND	SOPVX	WFVT Opportunity

Others
Moderate Allocation	FBALX	Fidelity V3 Balanced Init
Consumer Discretionary	FCNIX	Fidelity V4 Consumer Discretionary Init
Equity Energy	FANIX	Fidelity V4 Energy Init
Financial	FFSIX	Fidelity V4 Financial Init
Health	FHCIX	Fidelity V4 Health Care Init
Industrials	FCLIX	Fidelity V4 Industry Init
Health	FBTIX	Fidelity V4 Technology Init
Utilities	FUGIX	Fidelity V4 Utility Init
Moderate Allocation	FBASX	Fidelity V5 Asset Manager Growth Init
Moderate Allocation	FASMX	Fidelity V5 Asset Manager Init
ROOT	CASH	Fidelity V5 Money Market Init
World Allocation	UIMPX	UIF Global Tact Asset Al I

FIXED INCOME
Intermediate-Term Bond	FBNDX	Fidelity V5 Investment Grade Bond Init
High Yield Bond	SPHIX	Fidelity VIP High Income Init
Emerging Markets Bond	UEMDX	UIF Emerging Market Debt I

INTERNATIONAL EQUITY
Foreign Large Blend	FAOAX	Fidelity VIP Ovseas Init
Foreign Large Value	IVQAX	UIF Global Value Equity I

Emerging Market
DIVERSIFIED EMERGING MKTS	UEMEX	UIF Emerging Market Equity I

Investment model portfolios

We provide two types of investment model portfolios for Fidelity Investment Life Insurance Co FIDELITY RETIREMENT RESERVES C 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
Fidelity Investment Life Insurance Co FIDELITY RETIREMENT RESERVES C SHARES Tactical Asset Allocation Moderate	NA	8.81%	2.91%	4.68%	4.86%	8.57%	NA	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	19.39%	10.56%	14.00%	7.17%	9.91%	6.86%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	11.12%	5.61%	7.08%	4.36%	7.40%	6.13%	…	…

	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 (%)	Fidelity Inve… Moderate	0.09	8.81	2.91	4.68	4.86	8.57	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	13.33	1.14	-5.08	1.85	12.75	5.24	-5.47	8.83	27.18	-7.73	20.26	20.46	13.34	5.21	25.57	-7.72	6.04	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)	0.71	19.39	10.56	14.00	7.17	9.91	6.86	…	…	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)	0.23	11.12	5.61	7.08	4.36	7.40	6.13	…	…	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	Fidelity Inve… Moderate	NA	0.03	0.01	0.02	0.03	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	0.03	0.16	-0.77	0.31	2.07	1.15	-0.57	0.78	3.02	-2.23	1.14	1.66	1.84	0.48	4.66	-1.60	1.15	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	2.27	1.35	0.68	0.77	NA	NA	…	…	2.01	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	2.12	1.29	0.44	0.65	NA	NA	…	…	1.74	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(%)	Fidelity Inve… Moderate	NA	461.61	265.85	206.18	145.88	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	462.53	5.73	6.59	5.94	6.14	4.51	9.57	11.15	8.97	3.89	15.16	10.32	6.06	8.91	5.33	5.52	3.24	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	11.89	14.81	16.89	18.11	NA	NA	…	…	13.52	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	8.19	8.90	10.01	10.31	NA	NA	…	…	10.15	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(%)	Fidelity Inve… Moderate	NA	96.16	96.16	96.16	96.16	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	96.16	6.09	8.34	5.43	3.66	4.91	10.77	8.65	4.56	8.00	12.72	14.05	5.79	12.37	2.41	12.37	2.15	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(%)	Fidelity Inve… Moderate	NA	7.51	4.99	3.82	3.45	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	7.30	4.11	3.39	2.23	2.01	1.19	1.37	2.24	1.66	9.05	10.35	5.72	3.02	1.78	0.73	1.37	4.82	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 09/29/2017, Common starting date is 12/31/2000

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