MAGYAR BANK 401 (k) PROFIT SHARING PLAN
Investment Model Portfolios
Bank of Kentucky Financial Cor (Ticker:BKYF) has the "MAGYAR BANK 401 (k) PROFIT SHARING PLAN".
Investment options of MAGYAR BANK 401 (k) PROFIT SHARING PLAN
Total Available Funds: 22
| Asset Class |
Ticker
| Description |
| US EQUITY |
|
|
| LARGE BLEND |
RFNFX |
Transamerica Life Insurance Co. American Funds Fundamental Fund |
| MID-CAP VALUE |
FSMVX |
Transamerica Life Insurance Co. Fidelity Mid Cap Fund |
| SMALL VALUE |
FCPVX |
Transamerica Life Insurance Co. Fidelity Small Cap Fund |
| Mid-Cap Growth |
FRSGX |
Transamerica Life Insurance Co. Franklin Small Mid Cap Fund |
| SMALL VALUE |
FVFRX |
Transamerica Life Insurance Co. Franklin Small Cap Value Fund |
| LARGE BLEND |
DVLSX |
Transamerica Partners Funds Group Long Horizon Asset Allocation Fund |
| LARGE BLEND |
DSKIX |
Transamerica Partners Funds Group Stock Index Fund |
|
| INTERNATIONAL EQUITY |
|
|
| WORLD STOCK |
ANWFX |
Transamerica Life Insurance Co. American Funds New Perspective Fund |
| Foreign Large Growth |
OIGYX |
Transamerica Life Insurance Co. Oppenheimer International Growth Fund |
|
| FIXED INCOME |
|
|
| Multisector Bond |
LSBDX |
Transamerica Life Insurance Co. Loomis Sayles Bond Fund |
| Intermediate-Term Bond |
PTTRX |
Transamerica Life Insurance Co. Pacific Investment Management Company Total Return Fund |
| Intermediate-Term Bond |
DVGCX |
Transamerica Partners Funds Group Core Bond Fund |
| Intermediate-Term Bond |
DVCSX |
Transamerica Partners Funds Group Short Horizon Asset Allocation Fund |
|
| Others |
|
|
| ROOT |
unknow |
Transamerica Life Insurance Co. Mutual Qualified Fund |
| Moderate Allocation |
IBALX |
Transamerica Life Insurance Co. Transamerica Balanced Fund |
| ROOT |
TPVIX |
Transamerica Life Insurance Co. Transamerica Premier Diversified Equity Fund |
| Conservative Allocation |
DVMSX |
Transamerica Partners Funds Group interm Horizon Asset Allocation Fund |
| Target Date 2000-2010 |
VTOVX |
Transamerica Life Insurance Co. Vanguard Target rtmt 2005 Fund |
| Target Date 2011-2015 |
VTXVX |
Transamerica Life Insurance Co. Vanguard Target rtmt 2015 Fund |
| Target Date 2021-2025 |
VTTVX |
Transamerica Life Insurance Co. Vanguard Target rtmt 2025 Fund |
| Target Date 2031-2035 |
VTTHX |
Transamerica Life Insurance Co. Vanguard Target rtmt 2035 Fund |
| Target Date 2041-2045 |
VTIVX |
Transamerica Life Insurance Co. Vanguard Target rtmt 2045 Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for MAGYAR BANK 401 (k) PROFIT SHARING 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 (%)
|
MAGYAR BANK 4... Moderate
|
-0.82 |
20.63 |
0.40 |
6.36 |
4.55 |
4.36 |
5.52 |
6.20 |
NA |
5.61 |
13.17 |
-16.13 |
13.93 |
19.04 |
6.54 |
-2.74 |
7.74 |
9.68 |
-7.44 |
0.56 |
10.01 |
5.82 |
-8.83 |
8.92 |
22.05 |
-3.40 |
11.08 |
14.45 |
1.98 |
11.24 |
18.88 |
3.33 |
5.72 |
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
|
MAGYAR BANK 4... Moderate
|
NA |
0.18 |
-0.29 |
0.40 |
0.35 |
NA |
NA |
0.59 |
0.12 |
-0.09 |
0.93 |
-1.60 |
1.39 |
2.18 |
0.97 |
-0.59 |
1.26 |
1.65 |
-1.27 |
0.08 |
1.30 |
0.90 |
-0.82 |
0.78 |
2.59 |
-0.86 |
0.75 |
1.40 |
-0.03 |
1.71 |
3.58 |
0.55 |
0.71 |
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(%)
|
MAGYAR BANK 4... Moderate
|
NA |
10.77 |
10.52 |
10.08 |
8.27 |
NA |
NA |
7.87 |
8.83 |
10.87 |
9.64 |
10.96 |
10.01 |
8.62 |
5.31 |
6.87 |
5.66 |
5.76 |
5.89 |
6.38 |
7.66 |
6.38 |
10.80 |
11.36 |
8.48 |
5.01 |
10.72 |
7.98 |
6.23 |
6.02 |
5.08 |
4.02 |
4.83 |
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(%)
|
MAGYAR BANK 4... Moderate
|
NA |
6.23 |
16.10 |
18.05 |
18.05 |
NA |
NA |
18.05 |
0.67 |
6.23 |
10.13 |
17.01 |
5.56 |
8.00 |
4.39 |
7.83 |
5.75 |
4.19 |
10.94 |
7.01 |
4.80 |
5.83 |
14.11 |
10.27 |
4.55 |
7.50 |
7.29 |
9.23 |
6.13 |
5.58 |
4.00 |
5.06 |
4.06 |
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(%)
|
MAGYAR BANK 4... Moderate
|
NA |
5.40 |
5.59 |
5.21 |
3.80 |
NA |
NA |
3.82 |
NA |
0.84 |
5.42 |
3.05 |
8.46 |
6.41 |
3.58 |
3.77 |
0.44 |
2.67 |
1.94 |
2.96 |
1.96 |
2.76 |
0.77 |
3.94 |
4.73 |
3.22 |
2.53 |
3.66 |
3.48 |
3.82 |
3.77 |
5.71 |
7.94 |
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 MAGYAR BANK 401 (k) PROFIT SHARING PLAN
