CITIGROUP 401(k) PLAN
Investment Model Portfolios

Citigroup Inc., a diversified financial services holding company, provides a range of financial products and services to consumers, corporations, governments, and institutions worldwide.

Plan investment options

Total Available Funds: 29
Asset Class Ticker Description Rating Expense
Emerging Market
DIVERSIFIED EMERGING MKTS SSEMX SSgA MSCI Emerging Market Free Fund 1.2%
REAL ESTATE
Global Real Estate DFITX Dimensional Fund Advisors International Securities Fund 0.27%
REAL ESTATE NRFYX AEW Real Estate Fund 1.15%
REAL ESTATE WDJIX SSgA DJ/Wilshire REIT Index Fund NA
INTERNATIONAL EQUITY
Foreign Large Blend EFA SSgA MSCI EAFE Fund 0.33%
WORLD STOCK DGT SSgA DJ/UBS Commodity Fund 0.5%
Foreign Large Value DODFX Dodge & Cox International Stock 0.52%
Foreign Large Blend PIEQX T. Rowe Price International Eq Index 0.3%
Others
Target Date 2026-2030 STLDX BFA Lifepath Fund 2030 0.34%
Retirement Income STLAX BFA Lifepath Retirement 0.84%
Target Date 2036-2040 STLEX BFA Lifepath Fund 2040 1.04%
Target Date 2050 STLFX BFA Lifepath Fund 2050 0.34%
Target Date 2041-2045 LPHRX BFA Lifepath Fund 2045 0.34%
Target Date 2031-2035 LPJKX BFA Lifepath Fund 2035 0.34%
Target Date 2021-2025 LPBRX BFA Lifepath Fund 2025 0.59%
unknown asset name P_13060 Citigroup Large Cap Growth NA
Target Date 2016-2020 STLCX BFA Lifepath Fund 2020 0.67%
Target Date 2011-2015 BRPBX BFA Lifepath Fund 2015 0.81%
FIXED INCOME
Intermediate-Term Bond AGG BlackRock Capital Aggregate Bond Fund 0.03%
WORLD BOND WIP Spdr Ser Tr 0.5%
Emerging Markets Bond PEMPX PIMCO Emerging Markets Bond P 0.99%
Long-Term Bond PRPIX T. Rowe Price Corporate Income 0%
FIXED INCOME IPE SSGA BlackRock Capital US TIPS Fund 0.19%
High Yield Bond HIF Western Asset Fds Incorporated NA
US EQUITY
MID-CAP BLEND MDY SSgA S&P 400 MiD Cap Fund 0.24%
SMALL BLEND IWM SSgA Russell 2000 Index Fund 0.19%
LARGE BLEND SVSPX SSgA S&P 500 Index 0.16%
MID-CAP VALUE LMNOX Legg Mason Opportunity Institutional 1.52%
LARGE VALUE IWW SSgA Russell 3000 Index Fund 0.25%
Average Expense Ratio: 0.53%

The following is a moderate-risk model portfolio constructed from the investment options of CITIGROUP 401(k) 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


Click here for more plan details and features ►


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
Get Started