Xcel Energy 401(K) Savings Plan
Investment Model Portfolios
--
Investment options of Xcel Energy 401(K) Savings Plan
Total Available Funds: 25
| Asset Class |
Ticker
| Description |
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
VBMFX |
Vanguard Total Bond Market Index Fund Registered Investment Co. |
| Intermediate-Term Bond |
PTTRX |
PIMCO Total Return Fund Registered Investment Co. |
| Inflation-Protected Bond |
VIPSX |
Vanguard Inflation-Protected Securities Fund Registered Investment Co. |
|
| US EQUITY |
|
|
| LARGE BLEND |
VFINX |
Vanguard 500 Index Fund Registered Investment Co. |
| LARGE GROWTH |
VPMCX |
Vanguard PRIMECAP Fund Registered Investment Co. |
| Mid-Cap Growth |
VMGIX |
Vanguard Mid-Cap Index Fund Registered Investment Co. |
| SMALL BLEND |
NAESX |
Vanguard Small-Cap Index Fund Registered Investment Co. |
| LARGE BLEND |
LLPFX |
Longleaf Partners Fund Registered Investment Co. |
| Small Growth |
WGROX |
Wasatch Core Growth Fund Registered Investment Co. |
| LARGE BLEND |
VQNPX |
VGI Brokerage Option Vanguard Brokerage Option |
|
| Others |
|
|
| ROOT |
CASH |
Vanguard Prime Money Market Fund Interest-bearing cash |
| Moderate Allocation |
VWELX |
Vanguard Wellington Fund Registered Investment Co. |
| Target Date 2021-2025 |
VTTVX |
Vanguard Target Retirement Fund 2025 Registered Investment Co. |
| Target Date 2011-2015 |
VTXVX |
Vanguard Target Retirement Fund 2015 Registered Investment Co. |
| Target Date 2016-2020 |
VTWNX |
Vanguard Target Retirement Fund 2020 Registered Investment Co. |
| Target Date 2000-2010 |
VTENX |
Vanguard Target Retirement Fund 2010 Registered Investment Co. |
| Target Date 2026-2030 |
VTHRX |
Vanguard Target Retirement Fund 2030 Registered Investment Co. |
| Target Date 2000-2010 |
VTOVX |
Vanguard Target Retirement Fund 2005 Registered Investment Co. |
| Target Date 2031-2035 |
VTTHX |
Vanguard Target Retirement Fund 2035 Registered Investment Co. |
| Retirement Income |
VTINX |
Vanguard Target Retirement Income Registered Investment Co. |
| Target Date 2036-2040 |
VFORX |
Vanguard Target Retirement Fund 2040 Registered Investment Co. |
| Target Date 2041-2045 |
VTIVX |
Vanguard Target Retirement Fund 2045 Registered Investment Co. |
| Target Date 2050+ |
VFIFX |
Vanguard Target Retirement Fund 2050 Registered Investment Co. |
| ROOT |
CASH |
Money market substitute |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
VDMIX |
Vanguard Developed Markets Index Fund Registered Investment Co. |
|
Investment model portfolios
We provide two types of investment model portfolios for Xcel Energy 401(K) 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: 10/31/2024.
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 (%)
|
Xcel Energy 4... Moderate
|
-0.76 |
21.65 |
-0.58 |
6.74 |
6.92 |
8.81 |
8.43 |
8.51 |
NA |
4.47 |
13.89 |
-20.88 |
13.91 |
20.93 |
18.37 |
-1.70 |
13.41 |
7.17 |
1.24 |
10.13 |
17.79 |
12.44 |
6.81 |
14.64 |
14.94 |
-9.22 |
8.92 |
13.70 |
6.45 |
14.29 |
22.03 |
-1.37 |
1.14 |
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
|
Xcel Energy 4... Moderate
|
NA |
-0.06 |
-0.40 |
0.20 |
0.42 |
NA |
NA |
0.68 |
0.04 |
-0.22 |
1.04 |
-1.44 |
1.29 |
0.98 |
2.48 |
-0.28 |
2.50 |
0.81 |
0.14 |
1.35 |
2.32 |
1.68 |
0.49 |
1.37 |
1.63 |
-1.22 |
0.61 |
1.27 |
0.64 |
1.66 |
3.20 |
-0.36 |
-0.17 |
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)
|
NA |
0.38 |
0.45 |
0.79 |
0.58 |
NA |
NA |
0.44 |
-0.41 |
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 |
0.37 |
0.27 |
0.54 |
0.40 |
NA |
NA |
0.49 |
0.24 |
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(%)
|
Xcel Energy 4... Moderate
|
NA |
9.60 |
11.79 |
14.03 |
11.48 |
NA |
NA |
9.91 |
8.08 |
9.70 |
9.31 |
15.46 |
10.77 |
21.10 |
6.85 |
10.80 |
5.11 |
8.54 |
8.50 |
7.49 |
7.66 |
7.37 |
13.89 |
10.65 |
9.10 |
8.30 |
9.76 |
8.22 |
6.70 |
8.03 |
6.66 |
6.93 |
6.74 |
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 |
19.34 |
18.36 |
17.85 |
18.44 |
NA |
NA |
18.11 |
27.98 |
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 |
10.36 |
10.78 |
10.33 |
10.40 |
NA |
NA |
11.50 |
14.24 |
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(%)
|
Xcel Energy 4... Moderate
|
NA |
8.17 |
22.59 |
25.48 |
25.48 |
NA |
NA |
25.48 |
0.56 |
8.14 |
8.53 |
24.81 |
4.49 |
23.45 |
2.91 |
14.55 |
2.64 |
6.26 |
7.53 |
4.66 |
5.57 |
4.82 |
10.06 |
8.29 |
4.29 |
16.58 |
7.11 |
8.72 |
4.84 |
8.05 |
3.76 |
8.78 |
7.32 |
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 |
9.62 |
13.15 |
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(%)
|
Xcel Energy 4... Moderate
|
NA |
4.40 |
4.09 |
3.92 |
3.95 |
NA |
NA |
0.00 |
NA |
1.38 |
4.57 |
3.62 |
2.41 |
3.97 |
4.63 |
3.71 |
5.05 |
4.45 |
3.33 |
3.45 |
2.99 |
3.91 |
2.16 |
2.18 |
3.36 |
4.66 |
4.20 |
4.10 |
4.34 |
2.78 |
3.53 |
2.04 |
7.67 |
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 Xcel Energy 401(K) Savings Plan
