Guardian Insurance & Annuity Company THE GUARDIAN INVESTOR ASSET BUILDER 7-YEAR CDSC B SHARES
Investment Model Portfolios
Investment options of Guardian Insurance & Annuity Company THE GUARDIAN INVESTOR ASSET BUILDER 7-YEAR CDSC B SHARES
Total Available Funds: 45
| Asset Class |
Ticker
| Description |
| US EQUITY |
|
|
| LARGE GROWTH |
ACAAX |
Alger Portfolio Capital Appreciation S |
| LARGE VALUE |
CBBDX |
AllianceBern Var Growth & Income B |
| LARGE GROWTH |
APGBX |
AllianceBern Var Large Cap Growth B |
| LARGE VALUE |
ABVBX |
AllianceBern Var Value B |
| LARGE GROWTH |
FCNTX |
Fidelity V2 Contrafund S2 |
| Mid-Cap Growth |
FMCCX |
Fidelity V3 Mid Cap S2 |
| LARGE VALUE |
FEQIX |
Fidelity VIP Equity-Income S2 |
| LARGE GROWTH |
EPGAX |
Fidelity VIP Growth S2 |
| LARGE GROWTH |
FKGRX |
Franklin VIP Growth 2 |
| LARGE BLEND |
FRDPX |
Franklin VIP Rising Dividend 2 |
| SMALL VALUE |
FRVLX |
Franklin VIP Small Cap Value 2 |
| MID-CAP BLEND |
GABVX |
Gabelli Capital Asset |
| LARGE BLEND |
GTVLX |
Invesco VI Basic Value II |
| LARGE GROWTH |
LCGAX |
Invesco VI Capital Appreciation II |
| LARGE BLEND |
CHTRX |
Invesco VI Core Plus Equity II |
| MID-CAP BLEND |
GTAGX |
Invesco VI Mid Cap Core II |
| LARGE BLEND |
MUSEX |
MFS VIT Core Plus Equity S |
| LARGE GROWTH |
MFEIX |
MFS VIT Growth S |
| LARGE BLEND |
MITIX |
MFS VIT Inv Trust S |
| Small Growth |
MNDIX |
MFS VIT New Discovery S |
| 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 |
| MID-CAP BLEND |
RSVAX |
RS VP Trust Value II |
| LARGE VALUE |
ACGIX |
Van Kampen LIT Growth & Income 2 |
|
| INTERNATIONAL EQUITY |
|
|
| WORLD STOCK |
ATEBX |
AllianceBern Var Global Thematic Growth B |
| Foreign Large Growth |
GUBGX |
RS VP Trust International Growth |
|
| REAL ESTATE |
|
|
| REAL ESTATE |
VNQ |
AllianceBern Var Real Estate B |
| REAL ESTATE |
RPFRX |
Davis Real Estate |
|
| Others |
|
|
| ROOT |
QDFPA |
Davis Financial |
| ROOT |
QDVPA |
Davis Value Portfolio |
| Moderate Allocation |
FBALX |
Fidelity V3 Balanced S2 |
| Moderate Allocation |
MTRIX |
MFS VIT Total Return S |
| Natural Resources |
RSNRX |
RS VP Trust Global NatRes II |
| ROOT |
CASH |
RS VP Trust Money Market |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
FBNDX |
Fidelity V5 Investment Grade Bond S2 |
| Intermediate Government |
AGOVX |
Invesco VI Govertnment Security II |
| Intermediate-Term Bond |
MRBIX |
MFS VIT Research Bond S |
| Multisector Bond |
MFIIX |
MFS VIT Strategic Income S |
| 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 |
| Intermediate Government |
ACGVX |
Van Kampen LIT Govertnment 2 |
|
| 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 ASSET BUILDER 7-YEAR CDSC 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.
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
|
0.22 |
7.17 |
6.53 |
4.05 |
6.61 |
9.05 |
NA |
9.72 |
NA |
NA |
NA |
NA |
NA |
NA |
10.72 |
-2.75 |
14.84 |
1.93 |
-3.91 |
4.77 |
12.85 |
8.55 |
1.93 |
13.24 |
31.05 |
-9.26 |
21.08 |
16.22 |
15.39 |
11.95 |
23.09 |
8.54 |
3.54 |
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)
|
0.92 |
14.18 |
14.75 |
10.62 |
13.46 |
8.92 |
6.04 |
6.96 |
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)
|
0.57 |
10.59 |
7.97 |
5.39 |
7.47 |
5.92 |
5.39 |
5.56 |
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 |
1.94 |
1.00 |
0.50 |
0.72 |
NA |
NA |
1.03 |
NA |
NA |
NA |
NA |
NA |
NA |
1.94 |
-0.51 |
2.67 |
0.29 |
-0.55 |
0.73 |
1.86 |
1.58 |
0.17 |
1.02 |
3.12 |
-1.48 |
1.47 |
1.35 |
1.90 |
1.23 |
4.16 |
1.45 |
0.18 |
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 |
4.79 |
6.21 |
6.36 |
7.84 |
NA |
NA |
8.06 |
NA |
NA |
NA |
NA |
NA |
NA |
4.79 |
8.00 |
5.31 |
5.96 |
7.15 |
6.53 |
6.89 |
5.39 |
11.28 |
12.91 |
9.92 |
6.87 |
12.25 |
9.57 |
6.95 |
8.96 |
5.39 |
5.13 |
6.88 |
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 |
2.88 |
9.83 |
9.83 |
11.77 |
NA |
NA |
14.67 |
NA |
NA |
NA |
NA |
NA |
NA |
2.88 |
9.83 |
2.43 |
5.60 |
9.82 |
5.82 |
5.53 |
4.51 |
11.77 |
8.94 |
4.57 |
11.81 |
8.99 |
13.03 |
5.56 |
12.51 |
2.03 |
6.63 |
5.27 |
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 |
3.36 |
2.12 |
2.66 |
3.43 |
NA |
NA |
4.22 |
NA |
NA |
NA |
NA |
NA |
NA |
3.38 |
2.06 |
0.62 |
4.30 |
2.78 |
4.79 |
6.74 |
3.16 |
2.30 |
3.90 |
4.44 |
3.10 |
7.36 |
12.38 |
4.68 |
3.31 |
3.70 |
3.83 |
3.35 |
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 10/31/2019, AR inception is 12/31/2000
