New England Life Insurance Zenith Flexible Life VUL
Investment Model Portfolios
Investment options of New England Life Insurance Zenith Flexible Life VUL
Total Available Funds: 56
| Asset Class |
Ticker
| Description |
| Others |
|
|
| ROOT |
CASH |
BlackRock Money Market |
| Moderate Allocation |
PBAIX |
BlackRock Diversified Portfolio |
| Moderate Allocation |
MSFJX |
MFS Total Return |
| Technology |
DRGTX |
RCM Technology |
| Conservative Allocation |
SLIRX |
SSgA Growth and Income ETF |
| EQUITY |
MET |
MetLife Conservative Allocation |
| EQUITY |
MET |
MetLife Conservative to Moderate Allocation |
| EQUITY |
MET |
MetLife Moderate Allocation |
| EQUITY |
MET |
MetLife Moderate to Aggressive Allocation |
| EQUITY |
MET |
MetLife Aggressive Allocation |
|
| FIXED INCOME |
|
|
| Intermediate Government |
SGVSX |
Western Asset U.S. Government Bond |
| Intermediate-Term Bond |
IABPX |
American Funds Bond |
| Intermediate-Term Bond |
AGG |
Barclays Capital Aggregate Bond Index |
| Intermediate-Term Bond |
WFBIX |
BlackRock Bond Income |
| Intermediate-Term Bond |
PTTRX |
PIMCO Total Return Portfolio |
| Multisector Bond |
SDSYX |
Western Asset Strategic Bond Opp |
| Inflation-Protected Bond |
FINPX |
PIMCO Inflation Protected Bond |
| Multisector Bond |
LBDFX |
Lord Abbett Bond Debenture High Yield |
|
| US EQUITY |
|
|
| LARGE VALUE |
MALVX |
BlackRock Large Cap Value |
| LARGE BLEND |
NYVTX |
Davis Venture Value |
| LARGE VALUE |
PYVLX |
FI Value Leaders |
| LARGE VALUE |
VPESX |
Fidelity VIP Equity-Income |
| LARGE VALUE |
MEIIX |
MFS Value |
| LARGE BLEND |
IAFGX |
American Funds Growth-Income |
| LARGE BLEND |
MRLRX |
BlackRock Large Cap Core |
| LARGE BLEND |
LMVFX |
Legg Mason Value Equity |
| LARGE BLEND |
VFINX |
MetLife Stock Index |
| LARGE BLEND |
VFINX |
Zenith Equity |
| MID-CAP VALUE |
ARTQX |
Met/Artisan Mid Cap Value |
| MID-CAP VALUE |
VMVIX |
Neuberger Berman Mid Cap Value |
| MID-CAP VALUE |
LZMIX |
Lazard Mid Cap |
| MID-CAP BLEND |
VIMSX |
MetLife Mid Cap Stock |
| SMALL BLEND |
NBGEX |
Neuberger Berman Genesis |
| LARGE GROWTH |
IAFSX |
American Funds Growth |
| LARGE GROWTH |
MALHX |
BlackRock Legacy Large Cap Growth |
| LARGE GROWTH |
JCAPX |
Janus Forty |
| LARGE GROWTH |
PJFZX |
Jennison Growth |
| LARGE GROWTH |
LMPRX |
Legg Mason ClearBridge Aggressive Growth |
| LARGE GROWTH |
OTCYX |
Oppenheimer Capital Appreciation |
| LARGE GROWTH |
TRLGX |
T. Rowe Price Large Cap Growth |
| Small Growth |
LSSIX |
Loomis Sayles Small Cap Core |
| SMALL BLEND |
IWM |
Russell 2000® Index |
| LARGE BLEND |
BCAPX |
BlackRock Aggressive Growth |
| Mid-Cap Growth |
MPEGX |
Morgan Stanley Mid Cap Growth |
| Mid-Cap Growth |
RPMGX |
T. Rowe Price Mid Cap Growth |
| Small Growth |
LSSIX |
Loomis Sayles Small Cap Growth |
| Small Growth |
GTSVX |
Invesco Small Cap Growth |
| SMALL BLEND |
PRSVX |
T. Rowe Price Small Cap Growth |
| LARGE BLEND |
SSLGX |
SSgA Growth ETF |
|
| INTERNATIONAL EQUITY |
|
|
| WORLD STOCK |
IGMIX |
Oppenheimer Global Equity |
| Foreign Large Blend |
BJBIX |
Artio International Stock |
| Foreign Large Value |
OAKIX |
Harris Oakmark International |
| Foreign Large Blend |
MRSIX |
MFS Research International |
| Foreign Large Blend |
EFA |
Morgan Stanley EAFE® Index |
| WORLD STOCK |
HVSBX |
American Funds Global Small Capitalization |
|
| REAL ESTATE |
|
|
| Global Real Estate |
IRGIX |
Clarion Global Real Estate |
|
Investment model portfolios
We provide two types of investment model portfolios for New England Life Insurance Zenith Flexible Life VUL 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 (%)
|
New England L... Moderate
|
0.37 |
7.57 |
5.36 |
7.22 |
8.00 |
8.53 |
NA |
9.71 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
9.94 |
0.63 |
4.42 |
10.98 |
12.17 |
2.26 |
9.91 |
19.97 |
-3.67 |
12.33 |
12.53 |
4.46 |
10.78 |
15.04 |
5.78 |
23.92 |
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)
|
0.20 |
15.27 |
11.00 |
16.20 |
7.16 |
7.04 |
7.81 |
5.60 |
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)
|
0.00 |
8.45 |
5.33 |
8.32 |
4.80 |
5.95 |
6.64 |
5.20 |
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
|
New England L... Moderate
|
NA |
-0.07 |
-0.09 |
-0.09 |
-0.11 |
NA |
NA |
-0.13 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
-0.07 |
-3.07 |
-2.13 |
-0.94 |
-0.94 |
-1.59 |
-0.77 |
0.15 |
-3.55 |
-1.07 |
-1.25 |
-2.89 |
-1.18 |
-0.68 |
-2.92 |
0.31 |
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 |
0.85 |
0.91 |
0.82 |
0.67 |
NA |
NA |
0.46 |
0.62 |
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 |
0.90 |
0.70 |
0.53 |
0.51 |
NA |
NA |
0.51 |
1.04 |
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(%)
|
New England L... Moderate
|
NA |
352.58 |
203.90 |
158.30 |
112.07 |
NA |
NA |
88.74 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
353.28 |
5.83 |
6.60 |
8.06 |
6.77 |
10.26 |
11.35 |
9.40 |
6.55 |
9.07 |
7.84 |
5.73 |
7.50 |
6.30 |
4.79 |
8.66 |
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 |
19.55 |
17.05 |
17.37 |
18.46 |
NA |
NA |
18.09 |
22.85 |
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 |
10.38 |
10.05 |
10.06 |
10.41 |
NA |
NA |
11.47 |
11.77 |
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(%)
|
New England L... Moderate
|
NA |
91.78 |
91.78 |
91.78 |
91.78 |
NA |
NA |
91.78 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
91.78 |
4.13 |
5.09 |
7.62 |
5.66 |
10.16 |
8.76 |
4.42 |
13.84 |
6.31 |
9.42 |
5.05 |
8.28 |
3.90 |
4.85 |
3.46 |
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(%)
|
New England L... Moderate
|
NA |
4.94 |
4.45 |
4.02 |
4.32 |
NA |
NA |
5.81 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
4.93 |
3.58 |
4.84 |
4.19 |
2.50 |
3.42 |
4.86 |
4.46 |
3.58 |
6.74 |
6.97 |
4.01 |
4.36 |
3.32 |
7.25 |
24.01 |
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 |
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 09/30/2016, AR inception is 12/31/2000
