Guardian Insurance & Annuity Company THE GUARDIAN INVESTOR VARIABLE ANNUITY SERIES L 4-YEAR CDSC L SHARES
Investment Model Portfolios
Investment options of Guardian Insurance & Annuity Company THE GUARDIAN INVESTOR VARIABLE ANNUITY SERIES L 4-YEAR CDSC L SHARES
Total Available Funds: 53
Asset Class |
Ticker
| Description |
US EQUITY |
|
|
LARGE GROWTH |
ACAAX |
Alger Portfolio Capital Appreciation S |
LARGE GROWTH |
BILPX |
BlackRock Var Srs Large Cap Core Plus III |
LARGE VALUE |
MALVX |
BlackRock Var Srs Large Cap Value III |
LARGE GROWTH |
NMTBX |
Columbia VIT I Marsico 21 B |
LARGE GROWTH |
NGIBX |
Columbia VIT I Marsico Growth B |
SMALL VALUE |
CSSBX |
Columbia VIT Small Cap Value B |
Small Growth |
CGOBX |
Columbia VIT Small Cap Growth B |
LARGE GROWTH |
FCNTX |
Fidelity V2 Contrafund S2 |
Mid-Cap Growth |
FMCCX |
Fidelity V3 Mid Cap S2 |
LARGE GROWTH |
FKGRX |
Franklin VIP Growth 2 |
LARGE VALUE |
TESIX |
Franklin VIP Mut Shares 2 |
SMALL VALUE |
FRVLX |
Franklin VIP Small Cap Value 2 |
LARGE BLEND |
CHTRX |
Invesco VI Core Plus Equity II |
MID-CAP BLEND |
GTAGX |
Invesco VI Mid Cap Core II |
LARGE GROWTH |
MFEIX |
MFS VIT Growth S |
LARGE VALUE |
MEIIX |
MFS VIT Value S |
LARGE GROWTH |
OPTFX |
Oppenheimer VA Capital Appreciation Svc |
SMALL BLEND |
OPMSX |
Oppenheimer VA Main Street Small Cap Svc |
LARGE VALUE |
CVFCX |
Pioneer VCT Cullen Value II |
LARGE VALUE |
PEQIX |
Pioneer VCT Equity Income II |
MID-CAP VALUE |
PCGRX |
Pioneer VCT Mid Cap Value II |
LARGE BLEND |
PIODX |
Pioneer VCT Pioneer F II |
SMALL BLEND |
RSPFX |
RS Partners VIP Series |
LARGE BLEND |
GPAFX |
RS VP Trust Large Cap Alpha |
LARGE BLEND |
GUSPX |
RS VP Trust S&P 500 Index |
Small Growth |
RSEGX |
RS VP Trust Small Capital Growth |
|
INTERNATIONAL EQUITY |
|
|
Foreign Large Value |
ABIBX |
AllianceBern Var International Value B |
Foreign Large Blend |
EKZAX |
Evergreen Var International Equity 2 |
Foreign Large Blend |
FOSFX |
Fidelity VIP Overseas S2 |
Foreign Large Growth |
OIGAX |
Panorama Srs Opportunities International Growth Svc |
Foreign Large Growth |
GUBGX |
RS VP Trust International Growth |
|
Others |
|
|
World Allocation |
MALOX |
BlackRock Var Srs Global Allocation III |
Moderate Allocation |
LAABX |
Columbia VIT Asset Allocation B |
ROOT |
QDFPA |
Davis Financial |
Conservative Allocation |
FKINX |
Franklin VIP Income Security 2 |
Utilities |
MMUIX |
MFS VIT Utility S |
Miscellaneous – Income and Real Property |
MGBEX |
PIMCO VIT Low Duration Adv |
Natural Resources |
RSNRX |
RS VP Trust Global NatRes II |
ROOT |
CASH |
RS VP Trust Money Market |
Technology |
SLMCX |
Seligman Portfolio Comms & Info 2 |
ROOT |
NoTicker |
UIF US Mid Cap Value II |
ROOT |
NoTicker |
Value Line Strategic Asset Mgt |
|
FIXED INCOME |
|
|
Intermediate-Term Bond |
FBNDX |
Fidelity V5 Investment Grade Bond S2 |
WORLD BOND |
TPINX |
Franklin VIP Global Bond 2 |
Intermediate Government |
FKUSX |
Franklin VIP US Government 2 |
Multisector Bond |
OPSIX |
Oppenheimer VA Global St In Svc |
Inflation-Protected Bond |
PRTNX |
PIMCO VIT Real Return Adv |
Intermediate-Term Bond |
PTTAX |
PIMCO VIT Total Return Adv |
High Yield Bond |
GUHYX |
RS VP Trust High Yield Bond |
Intermediate-Term Bond |
GUIQX |
RS VP Trust Inv Quality Bond |
Short-Term Bond |
RLDAX |
RS VP Trust Low Duration Bond |
|
REAL ESTATE |
|
|
Global Real Estate |
IGREX |
Invesco VI Global Real Estate II |
|
Emerging Market |
|
|
DIVERSIFIED EMERGING MKTS |
GBEMX |
RS VP Trust Emerging Markets |
|
Investment model portfolios
We provide two types of investment model portfolios for Guardian Insurance & Annuity Company THE GUARDIAN INVESTOR VARIABLE ANNUITY SERIES L 4-YEAR CDSC L 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.
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 (%)
|
Guardian Insu... Moderate
|
-1.03 |
25.35 |
5.56 |
5.90 |
4.42 |
5.61 |
8.69 |
8.93 |
NA |
13.35 |
12.98 |
-11.47 |
9.63 |
3.84 |
11.18 |
-8.36 |
10.37 |
7.02 |
-3.15 |
0.29 |
15.93 |
9.94 |
3.04 |
8.44 |
20.56 |
7.49 |
21.39 |
21.60 |
16.01 |
16.65 |
23.67 |
-2.01 |
4.42 |
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
|
Guardian Insu... Moderate
|
NA |
0.66 |
0.04 |
0.21 |
0.23 |
NA |
NA |
0.70 |
0.06 |
0.55 |
0.91 |
-1.20 |
0.88 |
0.16 |
1.55 |
-0.96 |
1.47 |
0.84 |
-0.33 |
0.03 |
2.02 |
1.20 |
0.21 |
0.74 |
1.89 |
1.07 |
1.37 |
1.71 |
1.88 |
1.49 |
3.58 |
-0.68 |
0.40 |
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(%)
|
Guardian Insu... Moderate
|
NA |
12.36 |
10.99 |
13.97 |
11.47 |
NA |
NA |
10.34 |
15.10 |
12.34 |
9.54 |
10.74 |
10.95 |
22.21 |
6.28 |
10.04 |
6.61 |
8.10 |
9.68 |
9.11 |
7.86 |
8.24 |
14.25 |
11.33 |
10.84 |
6.14 |
13.40 |
10.73 |
7.36 |
10.55 |
6.42 |
4.60 |
5.22 |
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(%)
|
Guardian Insu... Moderate
|
NA |
8.23 |
16.24 |
28.76 |
28.76 |
NA |
NA |
28.76 |
1.36 |
8.23 |
8.22 |
16.24 |
5.67 |
28.76 |
3.39 |
14.73 |
3.49 |
5.09 |
11.07 |
8.33 |
7.88 |
6.89 |
13.74 |
9.54 |
5.81 |
2.97 |
11.23 |
14.00 |
6.34 |
12.90 |
2.96 |
8.15 |
6.51 |
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(%)
|
Guardian Insu... Moderate
|
NA |
5.35 |
5.07 |
5.43 |
5.79 |
NA |
NA |
0.00 |
NA |
1.40 |
5.32 |
3.09 |
6.64 |
5.53 |
6.13 |
2.68 |
2.57 |
5.62 |
15.19 |
4.12 |
6.39 |
2.89 |
4.62 |
4.07 |
4.29 |
4.81 |
12.02 |
10.91 |
6.61 |
4.36 |
3.07 |
5.07 |
4.93 |
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