CHECKFREE SERVICES CORPORATION 401(k) PLAN
Investment Model Portfolios
Investment options of CHECKFREE SERVICES CORPORATION 401(k) PLAN
Total Available Funds: 25
| Asset Class |
Ticker
| Description |
| Others |
|
|
| Technology |
CMTFX |
COLUMBIA TECHNOLOGY FUND Z Mutual Fund |
| Financial |
PRISX |
T. ROWE PRICE FINANCIAL SERVICES FUND Mutual Fund |
| Health |
PRHSX |
T. ROWE PRICE HEALTH SCIENCES FUND Mutual Fund |
| Moderate Allocation |
MTRIX |
MFS TOTAL RETURN FUND Mutual Fund |
| Target Date 2000-2010 |
TRRAX |
T. ROWE PRICE RETIREMENT 2010 FUND Mutual Fund |
| Target Date 2011-2015 |
TRRGX |
T. ROWE PRICE RETIREMENT 2015 FUND Mutual Fund |
| Target Date 2016-2020 |
TRRBX |
T. ROWE PRICE RETIREMENT 2020 FUND Mutual Fund |
| Target Date 2021-2025 |
TRRHX |
T. ROWE PRICE RETIREMENT 2025 FUND Mutual Fund |
| Target Date 2026-2030 |
TRRCX |
T. ROWE PRICE RETIREMENT 2030 FUND Mutual Fund |
| Target Date 2031-2035 |
TRRJX |
T. ROWE PRICE RETIREMENT 2035 FUND Mutual Fund |
| Target Date 2036-2040 |
TRRDX |
T. ROWE PRICE RETIREMENT 2040 FUND Mutual Fund |
| Target Date 2041-2045 |
TRRKX |
T. ROWE PRICE RETIREMENT 2045 FUND Mutual Fund |
| EQUITY |
STI |
SUNTRUST RETIREMENT 500 INDEX D Common Collective Trust |
| EQUITY |
STI |
SUNTRUST RETIREMENT STABLE ASSET CLASS B Common Collective Trust |
| ROOT |
CASH |
Money market substitute |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Value |
ABIAX |
ALLIANCE BERNSTEIN INTERNATIONAL VALUE A Mutual Fund |
|
| US EQUITY |
|
|
| Mid-Cap Growth |
JMGRX |
JANUS ADVISER MID CAP GROWTH CLASS S Mutual Fund |
| Small Growth |
SSCTX |
RIDGEWORTH SMALL CAP GROWTH STOCK I Mutual Fund |
| SMALL BLEND |
SCETX |
RIDGEWORTH SMALL CAP VALUE EQUITY I Mutual Fund |
| MID-CAP VALUE |
RRMVX |
T. ROWE PRICE MID-CAP VALUE FUND - R Mutual Fund |
| LARGE VALUE |
GSLAX |
GOLDMAN SACHS LARGE CAP VALUE A Mutual Fund |
| LARGE GROWTH |
RRGSX |
T. ROWE PRICE GROWTH STOCK FUND - R Mutual Fund |
| US EQUITY |
FISV |
FISERV STOCK FUND Company Stock Fund |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
VFICX |
ROYCE VALUE PLUS SERVICE Mutual Fund |
| Intermediate-Term Bond |
DODIX |
DODGE & COX INCOME FUND Mutual Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for CHECKFREE SERVICES CORPORATION 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.
|
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 (%)
|
CHECKFREE SER... Moderate
|
-0.60 |
3.83 |
5.25 |
7.08 |
6.42 |
8.83 |
7.53 |
8.02 |
NA |
1.96 |
11.19 |
-5.98 |
8.87 |
15.05 |
22.51 |
-7.54 |
10.94 |
13.84 |
1.31 |
4.76 |
17.40 |
13.92 |
-0.91 |
10.81 |
22.94 |
-7.05 |
8.92 |
13.44 |
-4.75 |
13.67 |
17.82 |
6.67 |
6.52 |
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)
|
-1.25 |
9.98 |
9.75 |
10.95 |
11.06 |
12.38 |
9.19 |
7.54 |
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)
|
-0.67 |
6.25 |
1.68 |
4.40 |
4.69 |
6.67 |
5.54 |
5.08 |
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
|
CHECKFREE SER... Moderate
|
NA |
0.44 |
0.31 |
0.60 |
0.60 |
NA |
NA |
0.72 |
NA |
0.22 |
0.78 |
-0.60 |
0.83 |
0.74 |
2.77 |
-0.91 |
2.18 |
1.45 |
0.14 |
0.60 |
2.16 |
1.61 |
-0.06 |
0.89 |
2.50 |
-1.07 |
0.67 |
1.59 |
-0.69 |
1.57 |
2.07 |
1.20 |
0.63 |
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 |
0.60 |
0.95 |
0.80 |
0.65 |
NA |
NA |
0.45 |
0.51 |
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 |
0.62 |
0.74 |
0.50 |
0.48 |
NA |
NA |
0.51 |
0.88 |
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(%)
|
CHECKFREE SER... Moderate
|
NA |
8.76 |
10.52 |
12.62 |
10.71 |
NA |
NA |
9.88 |
NA |
7.75 |
8.85 |
12.25 |
10.70 |
20.04 |
7.61 |
9.74 |
4.72 |
9.38 |
9.11 |
7.90 |
8.04 |
8.63 |
15.80 |
12.08 |
9.12 |
7.47 |
8.88 |
6.38 |
10.00 |
8.11 |
8.28 |
4.62 |
6.66 |
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 |
19.74 |
17.13 |
17.38 |
18.46 |
NA |
NA |
18.09 |
23.24 |
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 |
10.45 |
10.08 |
10.06 |
10.41 |
NA |
NA |
11.48 |
11.95 |
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(%)
|
CHECKFREE SER... Moderate
|
NA |
8.74 |
14.45 |
24.22 |
24.22 |
NA |
NA |
24.22 |
NA |
1.70 |
8.74 |
14.45 |
6.36 |
24.22 |
3.45 |
15.28 |
2.46 |
7.99 |
9.33 |
5.18 |
5.19 |
6.83 |
16.28 |
9.34 |
4.56 |
15.25 |
5.76 |
6.04 |
7.06 |
7.41 |
6.54 |
3.57 |
4.83 |
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(%)
|
CHECKFREE SER... Moderate
|
NA |
4.34 |
6.79 |
5.56 |
5.38 |
NA |
NA |
0.00 |
NA |
0.00 |
4.64 |
5.55 |
10.36 |
3.66 |
4.02 |
5.15 |
4.44 |
5.38 |
4.69 |
6.34 |
7.71 |
7.89 |
2.25 |
3.23 |
3.67 |
6.39 |
2.86 |
6.48 |
3.97 |
6.81 |
2.90 |
5.36 |
5.88 |
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 10/31/2023, AR inception is 12/31/2000
