21 St Century Holding Company 401K Plan
Investment Model Portfolios

Plan investment options

Total Available Funds: 16
Asset Class Ticker Description Rating Expense
INTERNATIONAL EQUITY
Foreign Large Blend DODFX Dodge & Cox International Stock 0.52%
Foreign Large Blend REREX American Funds EuroPacific Gr R4 0.9%
Others
Target Date 2026-2030 SWDRX Schwab Target 2030 0.42%
Target Date 2036-2040 SWERX Schwab Target 2040 0.5%
Target Date 2016-2020 SWCRX Schwab Target 2020 0.29%
Target Date 2000-2010 SWBRX Schwab Target 2010 0.26%
Target Date 2031-2035 SWIRX Schwab Target 2035 0.47%
Target Date 2021-2025 SWHRX Schwab Target 2025 0.35%
Target Date 2011-2015 SWGRX Schwab Target 2015 0.28%
US EQUITY
LARGE VALUE DODGX Dodge & Cox Stock 0.52%
SMALL BLEND RYTRX Royce Total Return Invmt 1.95%
SMALL BLEND NMSCX Columbia Small Cap Index Z 0.45%
MID-CAP BLEND NMPAX Columbia Mid Cap Index Z 0.2%
LARGE BLEND SWPPX Schwab S&P 500 Index 0.02%
LARGE GROWTH RGAEX American Funds Growth Fund of Amer R4 0.3%
FIXED INCOME
Intermediate-Term Bond PTTRX PIMCO Total Return Instl 0.83%
Average Expense Ratio: 0.52%

The following is a moderate-risk model portfolio constructed from the investment options of 21 St Century Holding Company 401K Plan.

This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.

Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.

Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.

Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies


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Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 ...) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell
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