THE DAYTON POWER AND LIGHT COMPANY EMPLOYEE SAVINGS PLAN
Investment Model Portfolios
--
Investment options of THE DAYTON POWER AND LIGHT COMPANY EMPLOYEE SAVINGS PLAN
Total Available Funds: 24
| Asset Class |
Ticker
| Description |
| US EQUITY |
|
|
| LARGE VALUE |
PRFDX |
T. Rowe Price Retirement Tr Company Equity Income Fund |
| LARGE BLEND |
PREIX |
T. Rowe Price Retirement Tr Company Equity Index 500 Fund |
| Small Growth |
PRNHX |
T. Rowe Price Retirement Tr Company New Horizons Fund |
| LARGE GROWTH |
TRBCX |
T. Rowe Price Retirement Tr Company Blue Chip Growth Fund |
| Mid-Cap Growth |
RPMGX |
T. Rowe Price Retirement Tr Company Mid-Cap Growth Fund |
| MID-CAP VALUE |
TRMCX |
T. Rowe Price Retirement Tr Company Mid-Cap Value Fund |
| SMALL BLEND |
PRSVX |
T. Rowe Price Retirement Tr Company Small-Cap Value Fund |
|
| Others |
|
|
| unknwon |
unknwon |
T. Rowe Price Retirement Tr Company Prime Reserve Fund |
| Target Date 2021-2025 |
TRRHX |
T. Rowe Price Retirement Tr Company rtmt 2025 Fund |
| Target Date 2016-2020 |
TRRBX |
T. Rowe Price Retirement Tr Company rtmt 2020 Fund |
| Target Date 2011-2015 |
TRRGX |
T. Rowe Price Retirement Tr Company rtmt 2015 Fund |
| Target Date 2026-2030 |
TRRCX |
T. Rowe Price Retirement Tr Company rtmt 2030 Fund |
| Target Date 2000-2010 |
TRRAX |
T. Rowe Price Retirement Tr Company rtmt 2010 Fund |
| Target Date 2031-2035 |
TRRJX |
T. Rowe Price Retirement Tr Company rtmt 2035 Fund |
| Target Date 2036-2040 |
TRRDX |
T. Rowe Price Retirement Tr Company rtmt 2040 Fund |
| Target Date 2041-2045 |
TRRKX |
T. Rowe Price Retirement Tr Company rtmt 2045 Fund |
| Retirement Income |
TRRIX |
T. Rowe Price Retirement Tr Company rtmt Income Fund |
| Target Date 2050+ |
TRRMX |
T. Rowe Price Retirement Tr Company rtmt 2050 Fund |
| Target Date 2050+ |
TRRNX |
T. Rowe Price Retirement Tr Company rtmt 2055 Fund |
| Target Date 2000-2010 |
TRRFX |
T. Rowe Price Retirement Tr Company rtmt 2005 Fund |
|
| FIXED INCOME |
|
|
| Multisector Bond |
RPSIX |
T. Rowe Price Retirement Tr Company Spectrum Income Fund |
| Intermediate-Term Bond |
PTRAX |
T. Rowe Price Retirement Tr Company Pimco Total Return Admin |
| Intermediate-Term Bond |
VBIIX |
T. Rowe Price Retirement Tr Company Vanguard Int Termbond IDX SIG |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Growth |
PRITX |
T. Rowe Price Retirement Tr Company International Stock Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for THE DAYTON POWER AND LIGHT COMPANY EMPLOYEE SAVINGS 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: 10/31/2023.
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 (%)
|
THE DAYTON PO... Moderate
|
-0.56 |
-3.57 |
1.50 |
3.88 |
4.44 |
5.82 |
6.14 |
6.78 |
NA |
0.92 |
9.32 |
-13.52 |
8.84 |
16.28 |
14.67 |
-2.41 |
11.68 |
11.77 |
-1.45 |
1.10 |
15.20 |
5.74 |
-4.61 |
9.57 |
19.13 |
-3.75 |
9.98 |
12.69 |
5.02 |
8.65 |
20.62 |
4.18 |
8.11 |
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
|
THE DAYTON PO... Moderate
|
NA |
0.15 |
-0.06 |
0.52 |
0.62 |
NA |
NA |
0.78 |
NA |
0.08 |
0.58 |
-1.35 |
0.99 |
1.80 |
2.73 |
-0.47 |
2.22 |
2.79 |
-0.25 |
0.17 |
2.13 |
0.93 |
-0.54 |
0.87 |
2.02 |
-0.82 |
0.72 |
1.15 |
0.46 |
0.99 |
3.00 |
0.55 |
0.96 |
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 |
0.01 |
0.19 |
0.67 |
0.54 |
NA |
NA |
0.44 |
-1.15 |
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 |
0.06 |
0.01 |
0.45 |
0.36 |
NA |
NA |
0.48 |
-0.70 |
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(%)
|
THE DAYTON PO... Moderate
|
NA |
8.64 |
9.53 |
8.74 |
7.46 |
NA |
NA |
7.61 |
NA |
7.68 |
8.73 |
11.01 |
8.88 |
8.92 |
4.86 |
7.89 |
4.99 |
4.14 |
6.01 |
6.45 |
7.11 |
6.14 |
8.52 |
10.90 |
9.44 |
5.72 |
9.69 |
8.17 |
6.15 |
7.76 |
6.65 |
5.58 |
6.03 |
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 |
18.94 |
18.53 |
17.95 |
18.39 |
NA |
NA |
18.11 |
28.46 |
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 |
10.27 |
10.85 |
10.40 |
10.38 |
NA |
NA |
11.50 |
14.58 |
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(%)
|
THE DAYTON PO... Moderate
|
NA |
8.79 |
17.91 |
17.91 |
17.91 |
NA |
NA |
17.91 |
NA |
1.69 |
8.79 |
17.91 |
5.31 |
9.40 |
2.85 |
9.31 |
3.34 |
2.07 |
6.99 |
5.07 |
4.83 |
5.86 |
10.17 |
9.30 |
4.43 |
9.18 |
7.41 |
9.66 |
5.16 |
7.32 |
3.14 |
5.12 |
4.49 |
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 |
19.24 |
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 |
15.22 |
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(%)
|
THE DAYTON PO... Moderate
|
NA |
2.71 |
4.63 |
4.52 |
3.71 |
NA |
NA |
4.07 |
NA |
0.13 |
2.79 |
2.30 |
8.78 |
4.98 |
3.84 |
2.81 |
0.40 |
5.16 |
2.58 |
3.70 |
2.13 |
2.91 |
0.98 |
3.41 |
4.89 |
3.42 |
6.76 |
5.53 |
3.65 |
4.65 |
4.39 |
6.22 |
7.21 |
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 THE DAYTON POWER AND LIGHT COMPANY EMPLOYEE SAVINGS PLAN
