Inthinc Retirement Plan on ADP Investment Model Portfolios

Investment options of Inthinc Retirement Plan on ADP

Total Available Funds: 26

Asset Class

Ticker

Description

FIXED INCOME
Inflation-Protected Bond	PITAX	Principal Inflation Protection A
Inflation-Protected Bond	PRTNX	PIMCO Real Return A

Others
Conservative Allocation	ACCAX	American Century Strat Allc: Cnsrv A
Moderate Allocation	ACOAX	American Century Strat Allc: Mod A
World Allocation	MDLOX	BlackRock Global Allocation A
Natural Resources	PGNAX	Jennison Natural Resources A
ROOT	CASH	SSgA Government Money Market Fund

US EQUITY
LARGE GROWTH	ACVAX	American Century Strategic Allc: Agrsv A
LARGE VALUE	MDDVX	BlackRock Equity Dividend A
LARGE VALUE	ICAYX	MainStay ICAP Equity R2
LARGE BLEND	SVSPX	SSgA S&P 500 Index Fund
LARGE BLEND	ITHSX	Hartford Capital Appreciation R4
LARGE GROWTH	FKGRX	Franklin Growth A
LARGE GROWTH	PTWAX	Jennison 20/20 Focus A
MID-CAP VALUE	JMVIX	Perkins Mid Cap Value S
MID-CAP BLEND	FLSTX	Fidelity Advisor Leveraged Co Stk T
Mid-Cap Growth	FRSLX	First American Mid Cap Growth Opp A
Mid-Cap Growth	PEEAX	Jennison Mid Cap Growth A
SMALL VALUE	VSCAX	Van Kampen Small Cap Value A
SMALL BLEND	FSCTX	Fidelity Advisor Small Cap T
Small Growth	LAGWX	Lord Abbett Developing Growth A

INTERNATIONAL EQUITY
Foreign Large Blend	THVRX	Thornburg International Value R4
Foreign Large Growth	JIGRX	Janus Overseas S
WORLD STOCK	OPPAX	Oppenheimer Global A

Emerging Market
DIVERSIFIED EMERGING MKTS	ODMAX	Oppenheimer Developing Markets A

REAL ESTATE
REAL ESTATE	FHETX	Fidelity Advisor Real Estate T

Investment model portfolios

We provide two types of investment model portfolios for Inthinc Retirement Plan on ADP 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
Inthinc Retirement Plan on ADP Tactical Asset Allocation Moderate	NA	13.21%	7.71%	7.18%	5.22%	7.06%	8.94%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	27.75%	20.39%	17.83%	16.04%	10.34%	9.22%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	11.11%	11.43%	9.73%	8.25%	5.99%	6.46%	…	…

	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 (%)	Inthinc Retir… Moderate	-2.56	13.21	7.71	7.18	5.22	7.06	8.94	…	…	NA	NA	NA	NA	-6.22	11.14	11.19	8.10	-2.67	13.14	1.56	-6.37	1.90	10.96	7.00	3.40	14.85	27.51	-6.54	19.94	16.15	14.96	17.21	22.33	4.03	1.86	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)	-2.61	27.75	20.39	17.83	16.04	10.34	9.22	…	…	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)	-1.51	11.11	11.43	9.73	8.25	5.99	6.46	…	…	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	Inthinc Retir… Moderate	NA	-0.18	0.69	0.59	0.52	NA	NA	…	…	NA	NA	NA	NA	-0.69	0.96	1.01	1.33	-0.50	2.34	0.24	-0.87	0.30	1.56	1.21	0.37	1.07	2.42	-1.39	1.43	1.42	1.89	2.02	4.53	0.73	-0.39	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(%)	Inthinc Retir… Moderate	NA	11.31	9.79	8.70	7.66	NA	NA	…	…	NA	NA	NA	NA	8.98	11.62	10.85	5.04	8.01	5.35	5.68	7.38	6.19	7.01	5.74	9.02	13.86	11.32	5.36	11.83	9.06	6.76	8.06	4.78	4.02	1.16	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(%)	Inthinc Retir… Moderate	NA	7.91	13.30	13.30	13.30	NA	NA	…	…	NA	NA	NA	NA	6.66	7.20	13.30	3.01	9.04	3.01	4.33	11.85	5.50	6.09	4.90	7.85	10.79	5.29	7.37	9.05	12.29	5.12	10.35	1.77	5.76	1.74	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(%)	Inthinc Retir… Moderate	NA	10.74	7.25	5.00	4.19	NA	NA	…	…	NA	NA	NA	NA	0.14	11.33	8.36	2.95	2.84	0.23	1.69	1.76	3.64	8.53	1.44	2.02	1.12	1.20	2.27	10.49	7.25	4.54	3.54	3.90	2.39	2.90	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	1.17	1.57	1.51	2.82	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	4.60	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 11/30/2021, Common starting date is 12/31/2000

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