CSX 401K Retirement Plan
Investment Model Portfolios

Total Available Funds: 11
Asset Class Ticker Description
FIXED INCOME
SHORT GOVERNMENT STABLEVALUE Stable Value Fund
US EQUITY
LARGE VALUE DODGX Dodge & Cox Stock
LARGE BLEND VIIIX Vanguard Institutional Index Instl Pl
LARGE GROWTH VMRAX Vanguard Morgan Growth Adm
INTERNATIONAL EQUITY
Foreign Large Blend MSIQX Morgan Stanley Inst International Eq I
Others
Moderate Allocation VWENX Vanguard Wellington Adm
Target Date 2016-2020 TRRBX T. Rowe Price Retirement 2020
Target Date 2021-2025 TRRHX T. Rowe Price Retirement 2025
Target Date 2026-2030 TRRCX T. Rowe Price Retirement 2030
Target Date 2031-2035 TRRJX T. Rowe Price Retirement 2035
Target Date 2036-2040 TRRDX T. Rowe Price Retirement 2040

The following is a moderate-risk model portfolio constructed from the investment options of CSX 401K Retirement 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