Commercial Data Systems Investment Model Portfolios

Investment options of Commercial Data Systems

Total Available Funds: 96

Asset Class

Ticker

Description

US EQUITY
LARGE VALUE	BEGRX	Mutual Beacon Z
SMALL BLEND	BRSIX	Bridgeway Ultra-Small Company Market
SMALL BLEND	DFSTX	DFA US Small Cap I
LARGE BLEND	DIEQX	DIEQX
Mid-Cap Growth	FRSGX	Franklin Small-Mid Cap Growth A
Small Growth	GTSAX	AIM Small Cap Growth A
LARGE BLEND	JEACX	JHT All Cap Core Trust Ser I
MID-CAP BLEND	JECIX	JHT Mid Cap Index Trust Ser I
LARGE BLEND	JEINX	JHT 500 Index Trust Ser I
MID-CAP VALUE	JEMUX	JHT Mid Value Series I
LARGE BLEND	JEQAX	JHT Optimized All Cap Trust Series I
Small Growth	JESGX	JHT Small Cap Growth Trust Ser I
SMALL BLEND	JESIX	JHT Small Cap Index Trust Ser I
SMALL VALUE	JESVX	JHT Small Cap Value Trust Ser I
LARGE BLEND	JETSX	JHT Total Stock Market Index Tr Ser I
MID-CAP VALUE	JEVLX	JHT Value Trust Ser I
LARGE GROWTH	JIBCX	JHFunds2 Blue Chip Growth 1
LARGE GROWTH	JICPX	JHFunds2 Capital App 1
LARGE BLEND	JICVX	JHFunds2 All Cap Value 1
LARGE VALUE	JICZX	JHFunds2 Large Cap Value 1
LARGE VALUE	JIEMX	JHFunds2 Equity-Income 1
LARGE BLEND	JILAX	JHancock2 Lifestyle Aggressive 1
LARGE BLEND	JILGX	JHancock2 Lifestyle Growth 1
LARGE BLEND	JILPX	JHFunds2 Large Cap 1
Mid-Cap Growth	JIMSX	JHFunds2 Mid Cap Stock 1
LARGE VALUE	JIQVX	JHFunds2 Optimized Value 1
SMALL BLEND	JISOX	JHFunds2 Small Cap Opp 1
SMALL BLEND	JISVX	JHFunds2 Small Company Value 1
LARGE VALUE	MALVX	BlackRock Large Cap Value Instl
LARGE BLEND	NYVTX	Davis NY Venture A
LARGE VALUE	PAFDX	T. Rowe Price Equity Income Adv
LARGE BLEND	RFNFX	American Funds Fundamental Investors R5
LARGE GROWTH	RGAFX	American Funds Growth Fund of Amer R5
LARGE BLEND	RICFX	American Funds Invmt Co of Amer R5
MID-CAP VALUE	RMCVX	Columbia Mid Cap Value Opportunity R4
LARGE VALUE	RWMFX	American Funds Washington Mutual R5
LARGE GROWTH	SAGYX	Legg Mason ClearBridge Aggressive Gr I
Mid-Cap Growth	TWCVX	American Century Vista Inv
LARGE VALUE	UMBIX	Columbia Value & Restructuring Z
LARGE GROWTH	VIGRX	Vanguard Growth Index Inv
Small Growth	VISGX	Vanguard Small Cap Growth Index Inv
SMALL VALUE	VISVX	Vanguard Small Cap Value Index Inv
LARGE VALUE	VIVAX	Vanguard Value Index Inv
Mid-Cap Growth	VMGIX	Vanguard Mid-Cap Growth Index Inv
MID-CAP VALUE	VMVIX	Vanguard Mid-Cap Value Index Inv

Emerging Market
DIVERSIFIED EMERGING MKTS	DFEVX	DFA Emerging Markets Value I

INTERNATIONAL EQUITY
Foreign Large Value	DFIVX	DFA Intl Value I
Foreign Large Blend	GOIOX	JHancock3 International Growth 1
Foreign Large Blend	JEIEX	JHT Intl Equity Index Trust A Ser I
Foreign Small/Mid Value	JIIMX	JHFunds2 Intl Small Cap 1
Foreign Large Growth	JIIOX	JHFunds2 Intl Opportunities 1
Foreign Large Value	JIVIX	JHFunds2 International Value 1
WORLD STOCK	MDISX	Mutual Global Discovery Z
WORLD STOCK	OGLYX	Oppenheimer Global Y
Foreign Large Blend	RERFX	American Funds EuroPacific Gr R5
WORLD STOCK	TEMWX	Templeton World A

Others
EQUITY PRECIOUS METALS	FGDIX	Fidelity Advisor Gold I
Financial	JEFSX	JHT Financial Services Trust Ser I
Technology	JESTX	JHT Science & Technology Trust Ser I
Utilities	JEUTX	JHT Utilities Trust Ser I
ROOT	CASH	JHOXX Money Market
Moderate Allocation	JILBX	JHancock2 Lifestyle Balanced 1
Conservative Allocation	JILCX	JHancock2 Lifestyle Conservative 1
Conservative Allocation	JILMX	JHancock2 Lifestyle Moderate 1
Natural Resources	JINRX	JHancock2 Natural Resources 1
Target Date 2000-2010	JLAOX	JHancock2 Lifecycle 2010 1
unknow	unknow	JLBO
Target Date 2016-2020	JLDOX	JHancock2 Lifecycle 2020 1
Target Date 2021-2025	JLEOX	JHancock2 Lifecycle 2025 1
Target Date 2026-2030	JLFOX	JHancock2 Lifecycle 2030 1
Target Date 2031-2035	JLHOX	JHancock2 Lifecycle 2035 1
Target Date 2036-2040	JLIOX	JHancock2 Lifecycle 2040 1
Target Date 2041-2045	JLJOX	JHancock2 Lifecycle 2045 1
World Allocation	MALOX	BlackRock Global Allocation Instl
Utilities	MMUHX	MFS Utilities R3
Moderate Allocation	PAALX	PIMCO All Asset Admin
Technology	PASTX	T. Rowe Price Science & Tech Adv
Health	PRHSX	T. Rowe Price Health Sciences
Moderate Allocation	RLBFX	American Funds American Balanced R5
Equity Energy	VGENX	Vanguard Energy Inv

FIXED INCOME
Intermediate-Term Bond	JEBNX	JHT Total Bond Market Trust A Ser I
Multisector Bond	JESNX	JHT Strategic Income Opps Trust Ser I
Intermediate-Term Bond	JIADX	JHFunds2 Active Bond 1
Intermediate-Term Bond	JICDX	JHFunds2 Core Bond 1
WORLD BOND	JIGDX	JHFunds2 Global Bond 1
High Yield Bond	JIHDX	JHFunds2 High Yield 1
High Yield Bond	JIHLX	JHFunds2 US High Yield Bd 1
Intermediate-Term Bond	JIQBX	JHFunds2 Invest Quality Bond 1
Intermediate-Term Bond	JITRX	JHFunds2 Total Return 1
WORLD BOND	PADMX	PIMCO Global Bond (Unhedged) Admin
Inflation-Protected Bond	PARRX	PIMCO Real Return Admin
Intermediate-Term Bond	PTRAX	PIMCO Total Return Admin
Multisector Bond	RPSIX	T. Rowe Price Spectrum Income
High Yield Bond	SAHYX	Legg Mason WA Global Hi Yld Bd A
SHORT GOVERNMENT	VSGBX	Vanguard Short-Term Federal Inv

REAL ESTATE
REAL ESTATE	JIREX	JHFunds2 Real Estate Secs 1

Investment model portfolios

We provide two types of investment model portfolios for Commercial Data Systems 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
Commercial Data Systems Tactical Asset Allocation Moderate	NA	16.80%	-0.30%	5.64%	4.16%	5.76%	7.92%	…	…
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 (%)	Commercial Da… Moderate	-0.92	16.80	-0.30	5.64	4.16	5.76	7.92	…	…	NA	0.12	2.04	12.28	-17.84	21.23	9.93	9.74	-3.35	6.69	5.36	-2.57	2.56	11.38	8.44	1.91	14.21	27.97	-1.76	20.13	18.08	10.34	15.09	28.10	4.64	6.94	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)	-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	Commercial Da… Moderate	NA	-0.34	-0.49	0.21	0.25	NA	NA	…	…	NA	0.00	-0.45	0.97	-1.92	2.05	1.02	1.54	-0.57	0.84	0.83	-0.33	0.39	1.56	1.52	0.11	1.02	3.13	-0.50	1.49	1.69	1.29	1.61	4.80	0.81	1.04	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)	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(%)	Commercial Da… Moderate	NA	10.22	9.52	9.75	8.51	NA	NA	…	…	NA	13.44	10.21	8.24	10.03	10.36	9.54	5.42	8.14	7.19	6.23	7.94	6.52	7.26	5.54	16.58	13.86	8.90	5.35	11.52	8.76	6.32	8.76	5.71	4.34	4.47	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(%)	Commercial Da… Moderate	NA	7.95	15.34	18.32	18.32	NA	NA	…	…	NA	1.48	7.95	7.53	18.32	4.56	11.18	3.59	11.46	6.27	5.71	10.96	5.78	6.53	4.55	11.23	9.59	4.73	7.25	9.88	11.91	6.61	10.53	2.59	5.66	3.45	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(%)	Commercial Da… Moderate	NA	5.85	5.24	4.56	4.23	NA	NA	…	…	NA	NA	0.85	5.50	3.07	6.91	4.21	3.25	2.08	0.07	4.41	6.88	5.71	4.03	6.89	4.43	2.03	5.50	3.36	7.41	18.34	3.23	3.10	4.14	5.26	7.37	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 10/31/2024, Common starting date is 12/31/2000

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