GRANITE CONSTRUCTION PROFIT SHARING AND 401(K) PLAN Investment Model Portfolios

Investment options of GRANITE CONSTRUCTION PROFIT SHARING AND 401(K) PLAN

Total Available Funds: 27

Asset Class

Ticker

Description

Others
ROOT	CASH	Putnam Money Market Fund
Moderate Allocation	MNBIX	Manning & Napier Pro-Blend Extended Fund Mutual Fund,
Moderate Allocation	MNMIX	Manning & Napier Pro-Blend Moderate Fund
Conservative Allocation	EXDAX	Manning & Napier Pro-Blend Conservative Fund,
Target Date 2026-2030	TRRCX	T. Rowe Price Retirement 2030 Fund,
Target Date 2016-2020	TRRBX	T. Rowe Price Retirement 2020 Fund
Target Date 2021-2025	TRRHX	T. Rowe Price Retirement 2025 Fund,
Target Date 2036-2040	TRRDX	T. Rowe Price Retirement 2040 Fund,
Target Date 2011-2015	TRRGX	T. Rowe Price Retirement 2015 Fund,
Target Date 2031-2035	TRRJX	T. Rowe Price Retirement 2035 Fund,
Target Date 2000-2010	TRRAX	T. Rowe Price Retirement 2010 Fund,
Target Date 2041-2045	TRRKX	T. Rowe Price Retirement 2045 Fund,
Target Date 2050+	TRRMX	T. Rowe Price Retirement 2050 Fund,
Target Date 2000-2010	TRRFX	T. Rowe Price Retirement 2005 Fund,
Retirement Income	TRRIX	T. Rowe Price Retirement Income Fund,
Target Date 2050+	TRRNX	T. Rowe Price Retirement 2055 Fund

US EQUITY
LARGE GROWTH	HACAX	Harbor Capital International Fund
LARGE GROWTH	VHCAX	Vanguard Capital Opportunities Admiral Share Fund
LARGE GROWTH	VMRGX	Vanguard Morgan Growth Fund Mutual Fund,
MID-CAP VALUE	FBSAX	Franklin Balance Sheet Fund Mutual Fund,
LARGE BLEND	VFINX	Putnam S&P 500 Index Fund Common/Collective Trust,
LARGE BLEND	CFIMX	The Clipper Fund
MID-CAP VALUE	LMCYX	Lord Abbett Mid-Cap Value Fund
Small Growth	MIMFX	Managers Institutional Micro-Cap Fund,
SMALL VALUE	NOSGX	Northern Small-Cap Value Fund,

FIXED INCOME
Multisector Bond	LSBDX	Loomis Sayles Bond Fund
Intermediate-Term Bond	PTTRX	PIMCO Total Return Fund

Investment model portfolios

We provide two types of investment model portfolios for GRANITE CONSTRUCTION PROFIT SHARING AND 401(K) 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: 10/31/2023.
AR inception is since 12/31/2000.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
GRANITE CONSTRUCTION PROFIT SHARING AND 401(K) PLAN Tactical Asset Allocation Moderate	NA	4.58%	2.99%	4.60%	5.68%	8.72%	8.58%	10.01%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	9.98%	9.75%	10.95%	11.06%	12.38%	9.19%	7.54%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	6.25%	1.68%	4.40%	4.69%	6.67%	5.54%	5.08%

	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 (%)	GRANITE CONST... Moderate	-1.22	4.58	2.99	4.60	5.68	8.72	8.58	10.01	NA	2.78	14.99	-13.87	9.11	15.35	15.64	-0.77	11.07	9.37	0.95	5.55	30.74	14.04	-3.27	16.08	21.22	-1.07	8.42	10.85	4.85	16.76	42.90	9.28	6.17	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)	-1.25	9.98	9.75	10.95	11.06	12.38	9.19	7.54	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)	-0.67	6.25	1.68	4.40	4.69	6.67	5.54	5.08	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	GRANITE CONST... Moderate	NA	1.01	0.12	0.48	0.52	NA	NA	0.89	NA	0.30	1.08	-1.14	0.75	0.97	1.85	-0.19	1.45	0.92	0.09	0.57	3.42	1.54	-0.20	1.21	2.25	-0.33	0.53	0.90	0.36	1.69	4.74	1.39	0.61	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	0.19	0.53	0.74	0.57	NA	NA	0.44	-0.44	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	0.17	0.37	0.50	0.40	NA	NA	0.49	0.18	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(%)	GRANITE CONST... Moderate	NA	9.84	11.78	12.02	10.88	NA	NA	10.20	NA	8.30	9.93	13.39	12.07	15.63	7.69	11.10	7.21	10.00	9.75	9.66	8.98	9.11	16.46	13.20	9.39	5.97	10.20	8.40	7.36	9.36	8.90	5.87	6.37	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	19.31	18.07	17.83	18.44	NA	NA	18.11	27.25	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	10.32	10.59	10.31	10.39	NA	NA	11.50	13.84	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(%)	GRANITE CONST... Moderate	NA	9.14	21.15	21.15	21.15	NA	NA	21.15	NA	1.64	9.14	20.07	6.57	18.94	4.20	14.49	3.31	7.92	8.95	6.78	3.98	7.59	15.72	11.11	4.04	5.01	6.84	7.81	5.56	8.08	4.75	4.71	5.52	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	12.88	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(%)	GRANITE CONST... Moderate	NA	2.69	10.11	8.28	7.24	NA	NA	0.00	NA	0.00	2.88	3.38	24.56	7.15	3.96	4.17	9.18	4.95	7.04	5.78	8.10	6.11	2.50	2.17	4.92	8.55	5.71	5.90	6.79	5.75	4.46	5.30	7.70	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 GRANITE CONSTRUCTION PROFIT SHARING AND 401(K) PLAN

GRANITE CONSTRUCTION PROFIT SHARING AND 401(K) PLAN

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