FIRST QUALITY SAVINGS AND INVESTMENT PLAN Investment Model Portfolios

First Quality Savings and Investment Plan is a defined contribution plan with a profit-sharing component and 401k feature.

Investment options of FIRST QUALITY SAVINGS AND INVESTMENT PLAN

Total Available Funds: 26

Asset Class

Ticker

Description

FIXED INCOME
SHORT GOVERNMENT	STABLEVALUE	Wachovia Diversified Stable Value A
SHORT GOVERNMENT	STABLEVALUE	Stable Investment Fund For Advice Track
Intermediate-Term Bond	JBGIX	Total Return Bond Fund For Advice Track
WORLD BOND	ESIBX	Evergreen International Bond Class I For Advice Track
High Yield Bond	PHYRX	Pimco High Yield Fund For Advice Track
Inflation-Protected Bond	PRRRX	Pimco Real Return Fund
High Yield Bond	OHYAX	Jpmorgan High Yield Fund
Intermediate-Term Bond	PTTAX	Pimco Total Return Class A
Intermediate-Term Bond	PTTRX	Pimco Total Return Instl

US EQUITY
LARGE BLEND	ACQIX	Wachovia Equity Index Trust A
LARGE VALUE	PRFDX	T.rowe Price Equity Income
Small Growth	ALSRX	Alger Small-cap Growth
LARGE VALUE	GSLIX	Goldman Sachs Large Value Fund
LARGE GROWTH	PRGFX	T.rowe Price Growth Fund
LARGE VALUE	EHSTX	Eaton Vance Large-cap Value Fund Class A
LARGE BLEND	RICEX	American Fds -investment Company Of America Class R4
SMALL BLEND	RPMRX	Royce Pennsylvania Mutual Fd
MID-CAP BLEND	SSVSX	Victory Special Value Fund Class A
SMALL BLEND	DSERX	Dreyfus Premier Small-cap Equity Fund Class I Advice Track

Others
ROOT	NoTicker	Enbanced Stock Market Fund For Advice Track
Moderate Allocation	OARBX	Oakmark Equity & Income Fund Ii
ROOT	NoTicker	Evergreen Select Stg Growth I For Advice Track

INTERNATIONAL EQUITY
Foreign Large Blend	TGVAX	Thornburg International Value Fund Class A
Foreign Large Blend	EKZYX	Evergreen International Equity For Advice Track

Emerging Market
DIVERSIFIED EMERGING MKTS	LZEMX	Lazard Emerging Markets Instl

REAL ESTATE
REAL ESTATE	TRREX	T.rowe Rice Real Estate

Investment model portfolios

We provide two types of investment model portfolios for FIRST QUALITY SAVINGS AND INVESTMENT 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.

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.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
First Quality Savings and Investment Plan Tactical Asset Allocation Moderate	NA	23.41%	1.29%	5.84%	3.46%	5.07%	7.55%	8.74%
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	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	5.79%

	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 Quality... Moderate	-1.56	23.41	1.29	5.84	3.46	5.07	7.55	8.74	NA	2.57	10.95	-16.95	16.37	11.59	8.80	-7.76	4.87	4.30	-3.76	1.83	8.32	12.53	0.09	15.00	31.28	-6.55	20.06	16.83	16.59	14.32	25.24	11.97	7.39	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	First Quality... Moderate	NA	-0.42	-0.45	0.15	0.10	NA	NA	0.81	-0.06	-0.42	0.67	-1.23	1.59	1.34	1.60	-1.18	0.64	0.75	-0.57	0.32	1.31	2.56	0.01	1.12	3.31	-1.25	1.55	1.56	2.18	1.53	4.65	2.04	1.09	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	0.23	0.32	0.74	0.56	NA	NA	0.44	-0.70	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	0.29	0.15	0.51	0.38	NA	NA	0.49	-0.10	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(%)	First Quality... Moderate	NA	9.54	11.76	10.90	8.90	NA	NA	8.35	6.20	9.59	9.99	14.96	10.28	8.48	4.62	7.69	6.58	5.48	6.64	5.71	6.35	4.87	9.31	13.30	9.42	5.98	10.99	8.69	6.62	8.74	5.28	5.32	4.66	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	19.39	18.60	17.94	18.44	NA	NA	18.12	28.69	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	10.43	10.86	10.39	10.40	NA	NA	11.50	14.60	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(%)	First Quality... Moderate	NA	10.67	19.69	21.56	21.56	NA	NA	21.56	0.64	10.67	9.04	21.22	4.58	10.19	2.72	13.68	5.53	6.02	10.24	5.22	7.12	3.55	9.53	10.24	4.70	10.55	9.11	10.81	4.45	11.12	2.88	6.31	2.50	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	13.24	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(%)	First Quality... Moderate	NA	7.12	9.32	6.85	4.81	NA	NA	5.20	NA	0.45	7.28	10.10	9.75	3.71	3.21	3.31	0.21	2.90	1.76	5.36	1.85	5.58	5.68	4.55	6.04	2.97	11.44	6.52	7.05	1.81	4.20	6.03	7.93	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 FIRST QUALITY SAVINGS AND INVESTMENT PLAN

FIRST QUALITY SAVINGS AND INVESTMENT PLAN

Click here for more plan details and features ►