Virginia Tech Services Inc. Tax Deferred Annuity TDA Plan
Investment Model Portfolios
Virginia Tech Services Inc. Tax Deferred Annuity TDA Plan is a defined contribution plan.
Investment options of Virginia Tech Services Inc. Tax Deferred Annuity TDA Plan
Total Available Funds: 23
| Asset Class |
Ticker
| Description |
| REAL ESTATE |
|
|
| REAL ESTATE |
TRRSX |
TIAA Real Estate Fund |
| REAL ESTATE |
TRRSX |
TIAA-CREF Real Estate Securities-RTMT |
|
| US EQUITY |
|
|
| LARGE BLEND |
TIEIX |
CREF Stock Fund |
| LARGE GROWTH |
TILRX |
CREF Growth Fund |
| LARGE BLEND |
TIQRX |
CREF Equity Index Fund |
| LARGE VALUE |
TRLCX |
TIAA-CREF Large Cap Value-RTMT |
| MID-CAP VALUE |
TRVRX |
TIAA-CREF Mid Cap Value-RTMT |
| LARGE BLEND |
TRSCX |
TIAA-CREF Social Choice Equities-RTMT |
| LARGE BLEND |
VSTIX |
VALIC Stock Index Fund |
| MID-CAP BLEND |
VMIDX |
VALIC Mid Cap Index Fund |
| SMALL BLEND |
VCSLX |
VALIC Small Cap Index Fund |
|
| Others |
|
|
| ROOT |
CASH |
CREF Money Market Fund |
| Moderate Allocation |
TITRX |
CREF Social Choice Fund |
| Target Date 2050+ |
TLFRX |
TIAA-CREF Lifecycle 2050-RTMT |
| Moderate Allocation |
noticker |
TIAA Traditional Annuity |
| Health |
VCHSX |
VALIC Health Sciences Fund |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
TIDRX |
CREF Bond Market Fund |
| Inflation-Protected Bond |
TIILX |
CREF Inflation-Linked Bond Fund |
| Intermediate-Term Bond |
noticker |
VALIC Fixed Account Plus Fund |
| Short-Term Bond |
noticker |
VALIC Short-Term Fixed Account |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
TFIIX |
CREF Global Equities Fund |
| Foreign Large Value |
VCFVX |
VALIC Foreign Value Fund |
| FOREIGN SMALL/MID GROWTH |
VISEX |
VALIC International Small Cap Equity Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for Virginia Tech Services Inc. Tax Deferred Annuity TDA 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.
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.
The return data shown below all delayed by 3 months. Their latest dates are all the same: 10/31/2024.
AR inception is since 12/31/2000.
|
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 (%)
|
Virginia Tech... Moderate
|
-1.47 |
23.15 |
1.74 |
5.22 |
5.13 |
7.03 |
6.22 |
6.24 |
NA |
6.78 |
12.29 |
-17.62 |
15.60 |
8.07 |
15.19 |
-3.81 |
10.68 |
4.50 |
-0.42 |
3.53 |
14.50 |
11.47 |
6.84 |
14.72 |
16.68 |
-7.62 |
4.82 |
11.81 |
-1.30 |
8.09 |
8.72 |
2.06 |
2.31 |
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)
|
-1.79 |
37.82 |
8.86 |
15.20 |
12.89 |
14.04 |
10.46 |
8.70 |
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)
|
-1.02 |
22.89 |
2.25 |
6.63 |
6.01 |
7.19 |
6.10 |
5.79 |
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
|
Virginia Tech... Moderate
|
NA |
0.04 |
-0.33 |
0.17 |
0.34 |
NA |
NA |
0.55 |
-0.02 |
0.02 |
0.84 |
-1.27 |
1.59 |
0.87 |
2.66 |
-0.67 |
2.10 |
0.83 |
-0.07 |
0.59 |
1.98 |
1.95 |
0.71 |
0.99 |
1.58 |
-1.57 |
0.18 |
1.20 |
-0.45 |
0.90 |
1.22 |
1.49 |
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 |
0.23 |
0.32 |
0.74 |
0.56 |
NA |
NA |
0.44 |
-0.70 |
1.44 |
1.69 |
-0.81 |
2.17 |
0.53 |
2.40 |
-0.34 |
3.16 |
0.89 |
0.08 |
1.19 |
2.90 |
1.25 |
0.08 |
0.82 |
0.97 |
-0.92 |
0.15 |
1.24 |
0.25 |
0.88 |
1.63 |
-0.90 |
-0.68 |
-0.59 |
0.98 |
1.24 |
1.62 |
1.63 |
4.33 |
-0.18 |
0.91 |
0.58 |
1.92 |
-0.53 |
1.73 |
0.60 |
0.00 |
0.31 |
1.49 |
-0.24 |
0.80 |
0.65 |
-1.27 |
1.19 |
-3.84 |
|
VSMGX (VANGUA...R SHARES)
|
NA |
0.29 |
0.15 |
0.51 |
0.38 |
NA |
NA |
0.49 |
-0.10 |
0.48 |
1.37 |
-1.22 |
1.32 |
0.70 |
2.78 |
-0.86 |
3.76 |
0.83 |
-0.26 |
1.01 |
2.16 |
1.23 |
0.01 |
1.18 |
1.12 |
-0.98 |
0.41 |
1.36 |
0.50 |
1.49 |
2.09 |
-0.75 |
-0.58 |
-0.23 |
1.08 |
1.57 |
1.57 |
0.93 |
4.20 |
4.63 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Standard Deviation(%)
|
Virginia Tech... Moderate
|
NA |
8.41 |
11.33 |
10.63 |
8.58 |
NA |
NA |
8.25 |
8.02 |
8.45 |
9.59 |
14.91 |
9.78 |
9.05 |
5.19 |
7.60 |
4.79 |
5.16 |
6.16 |
6.01 |
7.32 |
5.85 |
9.62 |
14.78 |
10.52 |
5.45 |
10.16 |
7.13 |
7.69 |
7.99 |
6.60 |
0.64 |
0.05 |
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 |
19.39 |
18.60 |
17.94 |
18.44 |
NA |
NA |
18.12 |
28.69 |
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 |
10.43 |
10.86 |
10.39 |
10.40 |
NA |
NA |
11.50 |
14.60 |
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(%)
|
Virginia Tech... Moderate
|
NA |
7.37 |
20.26 |
21.90 |
21.90 |
NA |
NA |
21.90 |
0.82 |
7.37 |
8.22 |
21.88 |
4.44 |
12.99 |
2.60 |
9.92 |
2.18 |
3.52 |
6.02 |
5.07 |
6.27 |
3.87 |
7.35 |
11.08 |
5.05 |
11.51 |
7.45 |
4.48 |
5.40 |
8.35 |
4.81 |
0.52 |
0.00 |
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 |
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 |
13.24 |
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(%)
|
Virginia Tech... Moderate
|
NA |
4.47 |
5.18 |
5.17 |
3.95 |
NA |
NA |
2.90 |
NA |
1.55 |
4.41 |
5.66 |
5.01 |
6.13 |
3.40 |
2.38 |
2.82 |
2.01 |
2.91 |
4.40 |
2.93 |
3.86 |
2.80 |
1.47 |
2.37 |
1.96 |
3.90 |
1.72 |
0.98 |
0.34 |
0.31 |
1.06 |
2.31 |
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 |
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 |
