FIRST CHOICE HOLDINGS INC. 401K PLAN Investment Model Portfolios

Investment options of FIRST CHOICE HOLDINGS INC. 401K PLAN

Total Available Funds: 27

Asset Class

Ticker

Description

US EQUITY
LARGE GROWTH	ACGOX	Am Century/Montag & CaldwellLargeCap Growth II Separate Account
SMALL VALUE	VISVX	DFA/Vaughan Nelson/LA CapitalSmallCap Value II Separate Account
Small Growth	HRSCX	Eagle Small Cap Growth A Fund
MID-CAP VALUE	GSMCX	Goldman Sachs/LA Capital MgmtMidCap Value I Separate Account
LARGE BLEND	VFINX	LargeCap S&P 500 Index Separate Account
Mid-Cap Growth	VMGIX	MidCap Growth III Separate Account
MID-CAP BLEND	MPSIX	MidCap S&P 400 Index Separate Account
LARGE VALUE	PEYAX	Putnam Investment Mgmt Co.Putnam Equity Income A Fund
SMALL BLEND	PSSIX	SmallCap S&P 600 Index Separate Account

Others
Target Date 2011-2015	ARFAX	American Century LIVESTRONG 2015 A Fund
Target Date 2016-2020	ARBMX	American Century LIVESTRONG 2020 A Fund
Target Date 2021-2025	ARWAX	American Century LIVESTRONG 2025 A Fund
Target Date 2026-2030	ARCMX	American Century LIVESTRONG 2030 A Fund
Target Date 2031-2035	ARYAX	American Century LIVESTRONG 2035 A Fund
Target Date 2036-2040	ARDMX	American Century LIVESTRONG 2040 A Fund
Target Date 2041-2045	AROAX	American Century LIVESTRONG 2045 A Fund
Target Date 2046-2050	ARFMX	American Century LIVESTRONG 2050 A Fund
Target Date 2051+	AREMX	American Century LIVESTRONG 2055 A Fund
Retirement Income	ARTAX	American Century LIVESTRONG Income A Fund

FIXED INCOME
Intermediate-Term Bond	VFICX	Core Plus Bond I Separate Account
Intermediate Government	OGGAX	JP Morgan Government Bond A Fund
Intermediate-Term Bond	PTTAX	PIMCO Total Return A Fund
SHORT GOVERNMENT	STABLEVALUE	Principal Stable Value Fund

INTERNATIONAL EQUITY
Foreign Small Cap	DFISX	International SmallCap Separate Account
Foreign Large Blend	MRSHX	MFS Investment ManagementMFS Research International R3 Fund

Emerging Market
DIVERSIFIED EMERGING MKTS	ODMAX	OppenheimerFunds, Inc.Oppenheimer Developing Markets A Fund

REAL ESTATE
US Real Estate	VGSIX	U.S. Property Sep Acct

Investment model portfolios

We provide two types of investment model portfolios for FIRST CHOICE HOLDINGS INC. 401K 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.

Customize a model portfolio now

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.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
FIRST CHOICE HOLDINGS INC. 401K PLAN Strategic Asset Allocation - Optimal Moderate	NA	30.83%	11.17%	10.60%	7.22%	7.88%	7.25%	7.99%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	8.70%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	21.20%	0.94%	5.44%	5.42%	6.79%	5.80%	5.54%

	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 (%)	FIRST CHOICE ... Moderate	-0.80	30.83	11.17	10.60	7.22	7.88	7.25	7.99	NA	17.69	20.90	-4.25	7.26	9.71	16.73	-7.22	11.37	5.73	-1.65	4.35	13.26	10.53	-2.82	16.39	25.90	-25.39	6.51	14.02	12.39	17.00	26.82	-0.57	4.00	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	21.20	0.94	5.44	5.42	6.79	5.80	5.54	NA	5.75	13.92	-16.49	7.97	11.63	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	FIRST CHOICE ... Moderate	NA	1.94	0.80	0.66	0.59	NA	NA	0.60	0.05	1.74	2.29	-0.46	0.87	0.52	2.43	-1.01	2.65	0.65	-0.20	0.70	1.97	1.35	-0.19	1.32	1.33	-1.11	0.35	1.56	1.77	2.35	4.34	-0.23	0.23	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	0.65	0.77	0.77	0.65	NA	NA	0.45	0.39	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	0.30	0.36	0.29	0.39	NA	NA	0.48	0.96	0.24	1.25	-1.25	1.01	0.59	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(%)	FIRST CHOICE ... Moderate	NA	6.31	8.99	11.34	9.54	NA	NA	10.70	6.08	6.37	7.28	12.19	8.35	18.18	6.31	8.45	4.05	8.51	8.33	6.18	6.70	7.74	15.11	12.39	19.34	23.66	10.09	6.91	5.79	6.85	6.02	7.45	7.28	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	19.49	16.97	17.37	18.46	NA	NA	18.09	22.57	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	11.25	10.37	10.34	10.54	NA	NA	11.51	11.58	8.97	8.31	14.38	7.89	19.14	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(%)	FIRST CHOICE ... Moderate	NA	3.33	13.00	24.55	24.55	NA	NA	39.91	0.42	3.33	4.58	13.39	4.54	24.55	3.42	13.11	1.66	7.72	8.91	5.25	5.38	7.21	14.98	8.52	17.73	37.27	6.94	9.07	3.81	7.27	5.39	14.23	10.29	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	13.03	13.03	23.77	23.77	NA	NA	41.18	9.62	7.07	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(%)	FIRST CHOICE ... Moderate	NA	13.96	9.53	6.85	4.48	NA	NA	3.84	NA	4.66	13.14	6.89	3.20	3.39	2.23	2.19	0.87	2.58	2.71	2.35	2.42	2.13	1.91	1.51	2.20	4.90	7.28	5.72	4.86	3.08	2.46	2.79	2.99	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)	0.00	1.33	1.60	1.93	2.72	4.25	3.44	16.47	0.60	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA...R SHARES)	0.00	2.88	2.73	2.42	2.70	3.25	3.18	6.16	1.19	2.97	2.91	1.71	2.03	1.86	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2024, AR inception is 12/31/2000

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
FIRST CHOICE HOLDINGS INC. 401K PLAN Tactical Asset Allocation Moderate	NA	26.48%	8.51%	9.46%	5.92%	6.80%	8.35%	9.48%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	8.70%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	21.20%	0.94%	5.44%	5.42%	6.79%	5.80%	5.54%

	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 (%)	FIRST CHOICE ... Moderate	-1.18	26.48	8.51	9.46	5.92	6.80	8.35	9.48	NA	15.42	18.10	-7.14	11.13	11.93	6.75	-3.37	11.36	5.41	-6.95	2.88	11.34	9.10	0.64	16.26	25.09	-3.49	15.14	14.29	13.52	15.13	26.79	10.77	7.36	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	21.20	0.94	5.44	5.42	6.79	5.80	5.54	NA	5.75	13.92	-16.49	7.97	11.63	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	FIRST CHOICE ... Moderate	NA	1.57	0.64	0.82	0.58	NA	NA	1.00	0.10	1.18	2.12	-0.88	1.11	1.30	1.04	-0.67	2.12	0.91	-1.22	0.46	1.66	1.62	0.05	1.25	2.62	-0.73	1.02	1.24	1.71	1.71	5.13	1.88	1.01	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	0.65	0.77	0.77	0.65	NA	NA	0.45	0.39	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	0.30	0.36	0.29	0.39	NA	NA	0.48	0.96	0.24	1.25	-1.25	1.01	0.59	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(%)	FIRST CHOICE ... Moderate	NA	7.32	8.02	8.67	7.37	NA	NA	7.88	9.08	7.51	6.54	9.72	9.99	9.02	5.12	7.02	5.05	5.73	5.70	6.25	6.80	5.57	11.07	12.96	9.55	6.06	11.88	8.92	6.64	8.31	5.09	5.15	5.01	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	19.49	16.97	17.37	18.46	NA	NA	18.09	22.57	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	11.25	10.37	10.34	10.54	NA	NA	11.51	11.58	8.97	8.31	14.38	7.89	19.14	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(%)	FIRST CHOICE ... Moderate	NA	4.01	11.43	13.05	13.05	NA	NA	13.13	0.61	4.01	3.98	13.03	6.23	12.13	2.72	9.48	2.69	4.34	9.83	6.33	5.87	4.65	11.53	8.83	4.45	6.95	9.78	13.13	4.77	12.13	2.11	6.09	3.32	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	13.03	13.03	23.77	23.77	NA	NA	41.18	9.62	7.07	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(%)	FIRST CHOICE ... Moderate	NA	13.70	8.88	7.09	4.67	NA	NA	4.84	NA	4.30	12.96	6.91	1.63	5.91	3.10	1.82	0.25	3.25	2.45	3.38	2.47	4.23	3.66	4.04	4.19	3.14	10.17	6.14	4.65	4.72	6.37	4.05	7.53	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)	0.00	1.33	1.60	1.93	2.72	4.25	3.44	16.47	0.60	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA...R SHARES)	0.00	2.88	2.73	2.42	2.70	3.25	3.18	6.16	1.19	2.97	2.91	1.71	2.03	1.86	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2024, AR inception is 12/31/2000

Retirement Plan (401(k)) Info for FIRST CHOICE HOLDINGS INC. 401K PLAN

FIRST CHOICE HOLDINGS, INC. 401(K) PLAN

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