AVON PERSONAL SAVINGS ACCOUNT PLAN
Investment Model Portfolios
Avon Products Inc. manufactures and markets beauty and related products worldwide. Its product categories include color cosmetics, fragrances, skin care, and personal care; fashion jewelry, watches, apparel, footwear, and accessories; and gift and decorative products, housewares, entertainment and leisure, and children's and nutritional products.
Investment options of AVON PERSONAL SAVINGS ACCOUNT PLAN
Total Available Funds: 24
| Asset Class |
Ticker
| Description |
| US EQUITY |
|
|
| LARGE GROWTH |
TWGIX |
American Century Growth Fund |
| LARGE BLEND |
NBSRX |
Neuberger & Berman Socially Responsive Trust |
| LARGE VALUE |
PRFDX |
T. Rowe Price Equity Income Fund |
| Mid-Cap Growth |
PAMCX |
T. Rowe Price Mid-Cap Fund |
| Small Growth |
VEXPX |
Vanguard Explorer Fund |
| SMALL VALUE |
VISVX |
Vanguard Small Cap Value Index Fund |
| LARGE BLEND |
NOSIX |
Northern Trust S&P 500 Index |
|
| INTERNATIONAL EQUITY |
|
|
| FOREIGN SMALL/MID GROWTH |
ACINX |
Columbia Acorn International Fund |
| Foreign Large Growth |
FDIVX |
Fidelity Diversified International Fund |
| Foreign Large Value |
TBGVX |
Tweedy Browne Global Value Fund |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
PTTRX |
PIMCO Total Return Fund |
| Intermediate-Term Bond |
SEIFX |
JPMorgan Intermediate Bond Fund |
|
| Others |
|
|
| Retirement Income |
VTINX |
Vanguard Target Retirement Income Fund |
| Target Date 2000-2010 |
VTOVX |
Vanguard Target Retirement Fund 2005 |
| Target Date 2000-2010 |
VTENX |
Vanguard Target Retirement Fund 2010 |
| Target Date 2011-2015 |
VTXVX |
Vanguard Target Retirement Fund 2015 |
| Target Date 2016-2020 |
VTWNX |
Vanguard Target Retirement Fund 2020 |
| Target Date 2021-2025 |
VTTVX |
Vanguard Target Retirement Fund 2025 |
| Target Date 2026-2030 |
VTHRX |
Vanguard Target Retirement Fund 2030 |
| Target Date 2031-2035 |
VTTHX |
Vanguard Target Retirement Fund 2035 |
| Target Date 2036-2040 |
VFORX |
Vanguard Target Retirement Fund 2040 |
| Target Date 2041-2045 |
VTIVX |
Vanguard Target Retirement Fund 2045 |
| Target Date 2050+ |
VFIFX |
Vanguard Target Retirement Fund 2050 |
| ROOT |
CASH |
Money market substitute |
|
Investment model portfolios
We provide two types of investment model portfolios for AVON PERSONAL SAVINGS ACCOUNT 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 (%)
|
Avon Personal... Moderate
|
-0.56 |
23.25 |
5.66 |
9.32 |
7.92 |
9.33 |
9.85 |
9.96 |
NA |
11.84 |
14.02 |
-8.83 |
13.44 |
14.09 |
19.72 |
-4.75 |
11.26 |
8.84 |
1.46 |
7.10 |
19.44 |
11.96 |
2.49 |
17.68 |
22.11 |
0.50 |
12.24 |
14.11 |
7.54 |
14.07 |
25.20 |
0.41 |
0.76 |
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
|
Avon Personal... Moderate
|
NA |
0.72 |
0.22 |
0.47 |
0.58 |
NA |
NA |
0.89 |
0.05 |
0.58 |
1.24 |
-0.80 |
1.21 |
0.72 |
2.43 |
-0.58 |
2.41 |
0.94 |
0.17 |
0.90 |
2.55 |
1.50 |
0.17 |
1.80 |
2.47 |
-0.07 |
1.02 |
1.45 |
0.95 |
1.85 |
3.78 |
-0.11 |
-0.27 |
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 |
0.38 |
0.45 |
0.79 |
0.58 |
NA |
NA |
0.44 |
-0.41 |
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 |
0.37 |
0.27 |
0.54 |
0.40 |
NA |
NA |
0.49 |
0.24 |
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(%)
|
Avon Personal... Moderate
|
NA |
9.03 |
10.10 |
12.64 |
10.67 |
NA |
NA |
9.33 |
11.05 |
9.06 |
7.87 |
12.75 |
11.11 |
19.15 |
7.53 |
10.52 |
4.42 |
9.14 |
8.52 |
7.86 |
7.61 |
7.95 |
14.68 |
9.78 |
8.91 |
5.87 |
9.11 |
7.49 |
5.63 |
7.08 |
6.48 |
6.57 |
5.81 |
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 |
19.34 |
18.36 |
17.85 |
18.44 |
NA |
NA |
18.11 |
27.98 |
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 |
10.36 |
10.78 |
10.33 |
10.40 |
NA |
NA |
11.50 |
14.24 |
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(%)
|
Avon Personal... Moderate
|
NA |
5.81 |
13.73 |
21.15 |
21.15 |
NA |
NA |
21.15 |
0.95 |
5.81 |
6.31 |
15.42 |
4.88 |
21.15 |
4.07 |
13.99 |
2.11 |
7.04 |
7.82 |
4.84 |
5.30 |
5.86 |
13.76 |
8.27 |
4.52 |
4.96 |
6.10 |
9.18 |
4.43 |
6.85 |
3.16 |
8.28 |
5.78 |
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 |
13.15 |
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(%)
|
Avon Personal... Moderate
|
NA |
6.24 |
4.97 |
5.04 |
5.24 |
NA |
NA |
0.00 |
NA |
1.30 |
6.42 |
2.83 |
5.28 |
6.21 |
4.28 |
5.45 |
6.36 |
3.11 |
7.34 |
5.39 |
5.89 |
5.67 |
3.47 |
5.21 |
5.06 |
4.33 |
6.37 |
4.91 |
5.07 |
3.46 |
3.55 |
4.10 |
7.57 |
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 |
Retirement Plan (401(k)) Info for AVON PERSONAL SAVINGS ACCOUNT PLAN
