BARD EMPLOYEES’ SAVINGS TRUST 401(k) PLAN
Investment Model Portfolios
C. R. Bard, Inc., together with its subsidiaries, engages in the design, manufacture, packaging, distribution, and sale of medical, surgical, diagnostic, and patient care devices worldwide. It offers vascular, urology, oncology, and surgical specialty products.
Investment options of BARD EMPLOYEES’ SAVINGS TRUST 401(k) PLAN
Total Available Funds: 22
| Asset Class |
Ticker
| Description |
| US EQUITY |
|
|
| LARGE BLEND |
VFINX |
Vanguard 500 Index Fund Registered Investment Company |
| LARGE BLEND |
VASGX |
Vanguard LifeSt Growth Fund Registered Investment Company |
| MID-CAP VALUE |
VMVIX |
Vanguard Mid-Cap Index Fund Registered Investment Company |
| LARGE GROWTH |
VPMCX |
Vanguard PRIMECAP Fund Registered Investment Company |
| SMALL VALUE |
VISVX |
Vanguard Sm-Cap Index Inv Fund Registered Investment Company |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
VWIGX |
Vanguard Int’l Growth Fund Registered Investment Company |
|
| Others |
|
|
| Conservative Allocation |
VSCGX |
Vanguard LifeSt Conserv Growth Registered Investment Company |
| Moderate Allocation |
VSMGX |
Vanguard LifeSt Mod Growth Registered Investment Company |
| ROOT |
CASH |
Vanguard Prime Money Mkt Fund Registered Investment Company |
| Target Date 2000-2010 |
VTENX |
Vanguard Tgt Retirement 2010 Registered Investment Company |
| Target Date 2011-2015 |
VTXVX |
Vanguard Tgt Retirement 2015 Registered Investment Company |
| Target Date 2016-2020 |
VTWNX |
Vanguard Tgt Retirement 2020 Registered Investment Company |
| Target Date 2021-2025 |
VTTVX |
Vanguard Tgt Retirement 2025 Registered Investment Company |
| Target Date 2026-2030 |
VTHRX |
Vanguard Tgt Retirement 2030 Registered Investment Company |
| Target Date 2031-2035 |
VTTHX |
Vanguard Tgt Retirement 2035 Registered Investment Company |
| Target Date 2036-2040 |
VFORX |
Vanguard Tgt Retirement 2040 Registered Investment Company |
| Target Date 2041-2045 |
VTIVX |
Vanguard Tgt Retirement 2045 Registered Investment Company |
| Target Date 2050+ |
VFIFX |
Vanguard Tgt Retirement 2050 Registered Investment Company |
| Retirement Income |
VTINX |
Vanguard Target Retirement Income Registered Investment Company |
| Moderate Allocation |
VWELX |
Vanguard Wellington Fund Registered Investment Company |
| EQUITY |
WL |
Vanguard Retirement Savings Trust Fund Common/Collective Trust |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
VBMFX |
Vanguard Total Bond Mkt Index Fund Registered Investment Company |
|
Investment model portfolios
We provide two types of investment model portfolios for BARD EMPLOYEES’ SAVINGS TRUST 401(k) 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 (%)
|
BARD EMPLOYEE... Moderate
|
-0.83 |
19.90 |
5.65 |
8.41 |
7.30 |
8.98 |
9.08 |
8.42 |
NA |
6.94 |
15.04 |
-6.52 |
13.33 |
7.92 |
19.96 |
-4.15 |
14.22 |
8.74 |
-3.45 |
12.11 |
16.83 |
12.35 |
3.35 |
15.61 |
15.14 |
0.25 |
10.05 |
13.30 |
6.47 |
13.69 |
12.25 |
-6.12 |
0.44 |
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
|
BARD EMPLOYEE... Moderate
|
NA |
0.12 |
0.08 |
0.36 |
0.50 |
NA |
NA |
0.71 |
-0.03 |
0.04 |
1.26 |
-0.57 |
1.34 |
0.42 |
2.66 |
-0.53 |
2.75 |
0.99 |
-0.41 |
1.69 |
2.30 |
1.51 |
0.24 |
1.43 |
1.54 |
-0.12 |
0.70 |
1.21 |
0.66 |
1.72 |
1.58 |
-1.08 |
-0.26 |
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 |
0.01 |
0.19 |
0.67 |
0.54 |
NA |
NA |
0.44 |
-1.15 |
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 |
0.06 |
0.01 |
0.45 |
0.36 |
NA |
NA |
0.48 |
-0.70 |
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(%)
|
BARD EMPLOYEE... Moderate
|
NA |
8.38 |
10.57 |
12.37 |
10.45 |
NA |
NA |
9.38 |
4.58 |
8.49 |
8.57 |
13.81 |
9.95 |
18.19 |
6.98 |
10.40 |
4.95 |
8.58 |
8.58 |
7.14 |
7.29 |
8.17 |
13.67 |
10.83 |
9.79 |
5.74 |
10.10 |
8.27 |
6.55 |
7.42 |
7.32 |
6.70 |
7.14 |
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 |
18.94 |
18.53 |
17.95 |
18.39 |
NA |
NA |
18.11 |
28.46 |
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 |
10.27 |
10.85 |
10.40 |
10.38 |
NA |
NA |
11.50 |
14.58 |
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(%)
|
BARD EMPLOYEE... Moderate
|
NA |
5.85 |
12.46 |
20.98 |
20.98 |
NA |
NA |
20.98 |
0.44 |
5.85 |
7.96 |
12.89 |
4.49 |
20.98 |
3.33 |
13.60 |
2.37 |
6.32 |
10.29 |
4.27 |
5.16 |
5.85 |
11.27 |
8.61 |
4.77 |
5.43 |
6.45 |
9.26 |
4.92 |
7.16 |
6.26 |
8.65 |
8.69 |
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 |
19.24 |
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 |
15.22 |
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(%)
|
BARD EMPLOYEE... Moderate
|
NA |
4.26 |
3.22 |
3.66 |
3.36 |
NA |
NA |
0.00 |
NA |
1.34 |
4.33 |
3.01 |
1.65 |
4.79 |
4.54 |
3.45 |
2.76 |
1.77 |
3.30 |
3.58 |
2.91 |
2.99 |
2.35 |
3.28 |
3.85 |
4.38 |
6.87 |
6.89 |
3.43 |
2.33 |
3.40 |
4.60 |
6.02 |
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 |
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 |
