International Business Machines (IBM) 401K Plus Expanded Choice Mutual Funds Plan Investment Model Portfolios

This plan is based on the expanded choice – mutual funds in the IBM 401k plan. It has many more funds than International Business Machines (IBM) 401K Plus Plan, a plan that consists of core and core plus funds.

Investment options of International Business Machines (IBM) 401K Plus Expanded Choice Mutual Funds Plan

Total Available Funds: 145

Asset Class

Ticker

Description

FIXED INCOME
Emerging Markets Bond	FNMIX	Fidelity New Markets Income
Emerging Markets Bond	PELBX	PIMCO Emerging Local Bond Instl
Emerging Markets Bond	PEBIX	PIMCO Emerging Markets Bond Instl
High Yield Bond	FAGIX	Fidelity Capital & Income
Bank Loan	FFRHX	Fidelity Floating Rate High Income
High Yield Bond	SPHIX	Fidelity High Income
High Yield Bond	PHIYX	PIMCO High Yield Instl
High Yield Bond	VWEAX	Vanguard High-Yield Corporate Adm
Intermediate Government	FGMNX	Fidelity GNMA Fund
Inflation-Protected Bond	FINPX	Fidelity Inflation-Protected Bond
Intermediate Government	FSTGX	Fidelity Intermediate Government Inc
Intermediate Government	PDMIX	PIMCO GNMA Instl
Intermediate-Term Bond	PTRIX	PIMCO Mortgage-Backed Securities Instl
Intermediate Government	VFIJX	Vanguard GNMA Adm
Inflation-Protected Bond	VIPIX	Vanguard Inflation-Protected Secs Instl
Intermediate Government	VFIUX	Vanguard Interm-Term Treasury Adm
Intermediate-Term Bond	DODIX	Dodge & Cox Income
Intermediate-Term Bond	FTHRX	Fidelity Intermediate Bond
Intermediate-Term Bond	FTBFX	Fidelity Total Bond
Intermediate Government	FGOVX	Fidelity Government Income
Intermediate-Term Bond	PIGIX	PIMCO Investment Grade Corp Bd Instl
Intermediate-Term Bond	PMDRX	PIMCO Moderate Duration Instl
Intermediate-Term Bond	PTSAX	PIMCO Total Return III Instl
Intermediate-Term Bond	PTTRX	PIMCO Total Return Instl
Intermediate-Term Bond	VBIMX	Vanguard Interm-Term Bond Index Inst
Intermediate-Term Bond	VFIDX	Vanguard Interm-Term Investment-Grade Ad
LONG GOVERNMENT	PGOVX	PIMCO Long-Term US Government Instl
Inflation-Protected Bond	PRRIX	PIMCO Real Return Instl
Inflation-Protected Bond	PRAIX	PIMCO Real Return Asset Instl
LONG GOVERNMENT	VUSUX	Vanguard Long-Term Treasury Admiral
Long-Term Bond	VBLLX	Vanguard Long-Term Bond Index Inst
Long-Term Bond	VWETX	Vanguard Long-Term Investment-Grade Adm
Multisector Bond	FSICX	Fidelity Strategic Income
Multisector Bond	PDIIX	PIMCO Diversified Inc Instl
SHORT GOVERNMENT	FFXSX	Fidelity Instl Shrt-Interm Govt
SHORT GOVERNMENT	VSGDX	Vanguard Short-Term Federal Adm
SHORT GOVERNMENT	VFIRX	Vanguard Short-Term Treasury Adm
Short-Term Bond	FSHBX	Fidelity Short-Term Bond
Short-Term Bond	PLDIX	PIMCO Low Duration III Instl
Short-Term Bond	PTLDX	PIMCO Low Duration Instl
Short-Term Bond	VBITX	Vanguard Short-Term Bond Idx Instl
Short-Term Bond	VFSIX	Vanguard Short-Term Investment-Grade Ins
WORLD BOND	RCWGX	American Funds Capital World Bond R6
WORLD BOND	PFUIX	PIMCO Foreign Bond (Unhedged) I
WORLD BOND	PFORX	PIMCO Foreign Bond (USD-Hedged) I
WORLD BOND	PIGLX	PIMCO Global Bond (Unhedged) Instl
WORLD BOND	PGBIX	PIMCO Global Bond (USD-Hedged) I
WORLD BOND	DODLX	Dodge & Cox Global Bond Fun

Others
Nontraditional Bond	PFIUX	PIMCO Unconstrained Bond Inst
Conservative Allocation	VWIAX	Vanguard Wellesley Income Adm
Convertibles	FCVSX	Fidelity Convertible Securities
Convertibles	VCVSX	Vanguard Convertible Securities Inv
Moderate Allocation	RLBGX	American Funds American Balanced R6
Moderate Allocation	DODBX	Dodge & Cox Balanced
Moderate Allocation	FBAKX	Fidelity Balanced K
World Allocation	PAUIX	PIMCO All Asset All Authority Inst
World Allocation	PAAIX	PIMCO All Asset Instl
Moderate Allocation	VGSTX	Vanguard STAR Inv
Moderate Allocation	VWENX	Vanguard Wellington Adm
World Allocation	FGBLX	Fidelity Global Balanced

US EQUITY
LARGE BLEND	RFNGX	American Funds Fundamental Investors R6
LARGE BLEND	RICGX	American Funds Invmt Co of America R6
LARGE BLEND	DFEOX	DFA US Core Equity 1 I
LARGE BLEND	FDGKX	Fidelity Dividend Growth K
LARGE GROWTH	FFDKX	Fidelity K
LARGE BLEND	PSTKX	PIMCO StocksPLUS Instl
LARGE BLEND	VDIGX	Vanguard Dividend Growth Inv
LARGE GROWTH	VFTNX	Vanguard FTSE Social Index Instl
LARGE BLEND	VGIAX	Vanguard Growth & Income Adm
LARGE GROWTH	RAFGX	American Funds AMCAP R6
LARGE GROWTH	RGAGX	American Funds Growth Fund of Amer R6
LARGE GROWTH	RNGGX	American Funds New Economy R6
LARGE GROWTH	FBGKX	Fidelity Blue Chip Growth K
LARGE GROWTH	FCAKX	Fidelity Capital Appreciation K
LARGE GROWTH	FCNKX	Fidelity Contrafund K
LARGE GROWTH	FEXKX	Fidelity Export & Multinational K
LARGE GROWTH	FTQGX	Fidelity Focused Stock
LARGE GROWTH	FGCKX	Fidelity Growth Company K
LARGE GROWTH	FGDKX	Fidelity Growth Discovery K
LARGE GROWTH	FDFKX	Fidelity Independence K
LARGE BLEND	FLCSX	Fidelity Large Cap Stock
LARGE GROWTH	FOCKX	Fidelity OTC K
LARGE GROWTH	FTRNX	Fidelity Trend
LARGE GROWTH	VMRAX	Vanguard Morgan Growth Adm
LARGE GROWTH	VPCCX	Vanguard PRIMECAP Core Inv
LARGE VALUE	RMFGX	American Funds American Mutual R6
LARGE VALUE	RWMGX	American Funds Washington Mutual R6
LARGE VALUE	DODGX	Dodge & Cox Stock
LARGE VALUE	FEIKX	Fidelity Equity-Income K
LARGE VALUE	VEIRX	Vanguard Equity-Income Adm
LARGE VALUE	VWNAX	Vanguard Windsor II Adm
LARGE VALUE	VWNEX	Vanguard Windsor Adm
MID-CAP BLEND	FLCKX	Fidelity Leveraged Company Stock K
MID-CAP BLEND	FLPKX	Fidelity Low-Priced Stock K
MID-CAP BLEND	FVSKX	Fidelity Value Strategies K
MID-CAP BLEND	VMCIX	Vanguard Mid Cap Index Ins
MID-CAP BLEND	VSEQX	Vanguard Strategic Equity Inv
Mid-Cap Growth	FKMCX	Fidelity Mid-Cap Stock K
Mid-Cap Growth	VMGRX	Vanguard Mid Cap Growth Inv
MID-CAP VALUE	DFVEX	DFA US Vector Equity I
MID-CAP VALUE	FVLKX	Fidelity Value K
MID-CAP VALUE	VASVX	Vanguard Selected Value Inv
SMALL BLEND	DFSTX	DFA US Small Cap I
SMALL BLEND	FSLCX	Fidelity Small Cap Stock
SMALL BLEND	VSCIX	Vanguard Small Cap Index Instl
SMALL BLEND	FSCRX	Fidelity Small Cap Discovery
SMALL BLEND	FDSCX	Fidelity Stock Selector Small Cap
Small Growth	VEXRX	Vanguard Explorer Adm
SMALL VALUE	DFFVX	DFA US Targeted Value I

INTERNATIONAL EQUITY
WORLD STOCK	RLLGX	American Funds SMALLCAP World R6
DIVERSIFIED PACIFIC/ASIA	FPBFX	Fidelity Pacific Basin
EUROPE STOCK	FIEUX	Fidelity Europe
Foreign Large Blend	RERGX	American Funds EuroPacific Gr R6
Foreign Large Blend	DFALX	DFA Large Cap International I
Foreign Large Blend	FIDKX	Fidelity International Discovery K
Foreign Large Blend	FOSKX	Fidelity Overseas K
Foreign Large Growth	VWILX	Vanguard International Growth Adm
Foreign Large Value	VTRIX	Vanguard International Value Inv
Foreign Large Blend	FDIKX	Fidelity Diversified International K
Foreign Large Value	DFIVX	DFA International Value I
Foreign Large Blend	DODFX	Dodge & Cox International Stock
FOREIGN SMALL/MID GROWTH	FISMX	Fidelity International Small Cap
Foreign Small/Mid Blend	VINEX	Vanguard International Explorer Inv
Foreign Small/Mid Blend	DFISX	DFA International Small Company I
Foreign Small/Mid Value	DFVQX	DFA International Vector Equity Instl
JAPAN STOCK	FJPNX	Fidelity Japan
Miscellaneous Region	FICDX	Fidelity Canada
PACIFIC/ASIA EX-JAPAN STK	FSEAX	Fidelity Emerging Asia
WORLD STOCK	RWIGX	American Funds Capital World G/I R6
Foreign Large Blend	RIGGX	American Funds Intl Gr And Inc R6
WORLD STOCK	RNPGX	American Funds New Perspective R6
WORLD STOCK	DODWX	Dodge & Cox Global Stock
WORLD STOCK	VMNVX	Vanguard Global Minimum Volatility Admiral
WORLD STOCK	VHGEX	Vanguard Global Equity Inv

COMMODITIES
COMMODITIES BROAD BASKET	PCRIX	PIMCO Commodity Real Ret Strat Instl

REAL ESTATE
REAL ESTATE	FRIFX	Fidelity Real Estate Income
REAL ESTATE	FRESX	Fidelity Real Estate Investment
US Real Estate	PRRSX	PIMCO Real Estate Real Return Strategy I
Global Real Estate	DFGEX	DFA Global Real Estate Securities
Global Real Estate	FIREX	Fidelity International Real Estate

Emerging Market
DIVERSIFIED EMERGING MKTS	RNWGX	American Funds New World R6
DIVERSIFIED EMERGING MKTS	DFEVX	DFA Emerging Markets Value I
DIVERSIFIED EMERGING MKTS	DFEMX	DFA Emerging Markets I
Latin America Stock	FLATX	Fidelity Latin America
China Region	FHKCX	Fidelity China Region

Investment model portfolios

We provide two types of investment model portfolios for International Business Machines (IBM) 401K Plus Expanded Choice Mutual Funds Plan 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.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
International Business Machines (IBM) 401K Plus Expanded Choice Mutual Funds Plan Strategic Asset Allocation – Optimal Moderate	NA	21.43%	4.47%	9.27%	7.23%	8.08%	7.62%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	…	…

	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 (%)	International… Moderate	-0.79	21.43	4.47	9.27	7.23	8.08	7.62	…	…	NA	0.18	8.83	9.48	-8.31	10.18	24.67	18.29	-7.65	9.37	6.15	3.51	2.10	11.51	13.70	-0.01	16.16	31.56	-24.69	10.81	10.10	10.73	17.87	29.91	-0.73	2.25	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	…	…	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)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	…	…	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	International… Moderate	NA	0.38	-0.09	0.54	0.58	NA	NA	…	…	NA	0.02	0.30	0.67	-0.88	1.04	1.44	2.94	-1.11	2.01	0.83	0.41	0.39	1.94	2.19	0.00	1.64	1.66	-1.22	0.86	0.96	1.69	2.47	5.16	-0.24	-0.01	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	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	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	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	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(%)	International… Moderate	NA	7.36	8.92	11.17	9.29	NA	NA	…	…	NA	6.84	7.38	7.81	11.08	9.74	17.01	5.75	8.09	4.34	7.15	8.54	5.33	5.92	6.23	11.44	9.81	18.92	20.97	9.09	7.10	5.05	6.85	5.66	7.76	7.70	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	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	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	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	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(%)	International… Moderate	NA	5.08	14.20	21.54	21.54	NA	NA	…	…	NA	0.65	5.05	7.51	14.20	7.76	21.54	2.31	13.82	1.96	6.65	5.43	4.92	7.50	4.51	12.37	8.35	18.18	36.99	7.40	9.83	4.02	8.23	2.98	12.99	9.85	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(%)	International… Moderate	NA	5.11	7.32	6.27	5.30	NA	NA	…	…	NA	NA	1.52	4.22	8.25	7.82	5.63	3.79	4.91	1.50	3.76	4.36	7.41	4.85	5.26	4.99	4.39	3.55	4.77	7.10	6.36	6.87	4.38	3.92	3.34	5.03	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	1.52	2.80	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	5.47	5.95	4.32	4.57	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 10/31/2024, Common starting date is 12/31/2000

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
International Business Machines (IBM) 401K Plus Expanded Choice Mutual Funds Plan Tactical Asset Allocation Moderate	NA	10.45%	19.00%	15.66%	9.24%	9.34%	11.03%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	…	…

	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 (%)	International… Moderate	-1.42	10.45	19.00	15.66	9.24	9.34	11.03	…	…	NA	0.22	7.13	67.32	-8.12	14.99	7.65	7.86	-8.41	10.95	9.38	-4.26	3.87	11.87	14.57	3.63	14.40	36.80	-11.28	24.84	21.93	6.02	14.44	27.50	12.35	7.13	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)	-1.79	37.82	8.86	15.20	12.89	14.04	10.46	…	…	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)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	…	…	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	International… Moderate	NA	0.22	0.47	0.51	0.39	NA	NA	…	…	NA	0.03	0.06	1.21	-0.73	1.56	0.61	1.26	-1.16	1.96	1.45	-0.63	0.59	1.68	2.72	0.41	1.26	3.18	-1.28	2.03	2.03	0.59	1.00	4.76	1.94	1.00	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	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	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	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	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(%)	International… Moderate	NA	8.61	31.45	25.30	18.46	NA	NA	…	…	NA	6.23	8.60	52.28	13.10	9.62	12.17	5.12	8.40	5.25	6.34	6.76	6.54	7.03	5.34	8.88	11.32	11.54	9.55	10.77	9.18	6.58	13.46	5.64	5.78	4.80	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	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	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	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	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(%)	International… Moderate	NA	5.69	17.46	18.84	22.62	NA	NA	…	…	NA	0.39	5.69	6.79	17.46	4.99	18.84	2.75	15.96	2.68	5.93	9.60	7.30	9.37	4.39	9.51	8.74	4.46	19.41	9.23	12.78	5.90	17.27	4.19	5.60	3.87	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(%)	International… Moderate	NA	6.44	11.14	8.15	6.19	NA	NA	…	…	NA	NA	4.16	5.46	16.62	10.05	3.98	3.52	3.13	1.43	4.74	3.70	8.41	7.75	6.75	7.47	7.65	5.86	3.67	6.48	7.55	4.40	9.48	6.32	5.22	8.40	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)	0.00	1.16	1.57	1.52	2.80	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	5.47	5.95	4.32	4.57	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 10/31/2024, Common starting date is 12/31/2000

Asset Allocation Composite Model Portfolio

The following model portfolio is based on the MyPlanIQ Asset Allocation Composite (AAC) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
International Business Machines (IBM) 401K Plus Expanded Choice Mutual Funds Plan Asset Allocation Composite Moderate	6.95%	20.66%	11.12%	4.04%	6.97%	6.84%	7.85%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	0.66%	18.70%	21.52%	13.49%	15.39%	13.55%	10.70%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	3.88%	18.57%	14.30%	6.87%	8.64%	7.15%	6.36%	…	…

	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 (%)	International… Moderate	0.63	20.66	11.12	4.04	6.97	6.84	7.85	…	…	6.95	15.09	3.46	8.33	-15.77	8.16	14.71	16.06	-2.61	15.53	5.62	-5.24	9.25	16.01	14.44	2.64	15.93	17.52	0.06	9.55	13.25	9.69	19.27	31.30	17.03	7.48	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)	-0.42	18.70	21.52	13.49	15.39	13.55	10.70	…	…	0.66	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)	0.25	18.57	14.30	6.87	8.64	7.15	6.36	…	…	3.88	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	International… Moderate	NA	2.55	0.87	0.16	0.62	NA	NA	…	…	0.61	1.21	-0.02	0.82	-1.71	0.82	1.60	2.36	-0.42	2.87	0.78	-0.68	1.34	2.33	2.03	0.19	1.49	1.72	-0.09	0.63	1.24	1.02	2.28	4.13	2.29	1.02	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	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	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	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	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(%)	International… Moderate	NA	9.15	9.11	9.03	8.55	NA	NA	…	…	11.15	10.07	8.50	5.71	10.03	9.86	9.06	6.18	9.51	5.18	6.94	7.71	6.90	6.84	7.09	13.92	10.61	10.11	9.61	10.19	7.96	7.24	8.02	7.41	6.94	4.94	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	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	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	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	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(%)	International… Moderate	NA	7.09	15.42	16.95	16.95	NA	NA	…	…	7.09	12.62	7.23	7.37	16.58	5.67	12.81	2.69	11.35	2.22	4.73	10.38	4.86	6.52	6.00	13.16	7.60	5.55	8.93	8.59	9.65	5.29	9.20	5.31	3.34	4.06	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(%)	International… Moderate	NA	4.01	4.03	4.05	4.32	NA	NA	…	…	NA	NA	0.39	5.35	2.04	4.77	5.19	3.41	5.57	3.65	4.08	2.98	6.85	7.67	5.59	5.76	6.97	3.63	4.09	9.47	8.98	7.84	6.55	6.38	4.09	8.60	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	1.52	2.80	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	5.47	5.95	4.32	4.57	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 02/27/2026, Common starting date is 12/31/2000

Click here for more plan details and features ►