Bank of America 401k Plan PSDS Scan 12/31/2008

My first scan only included funds with large employee holdings and it had a 5yr negative return on top of a huge loss in company stock (BAC). I did not post it. After looking at all the funds in the plan I found a portfolio that made money. The posted scan included almost all the mutual funds in the plan and a proxy for a Goode stable value trust but no company stock. As the 3D scan Balanced portfolio shows it is possible to get a positive 5yr return investing in government funds like FGMNX. The employee asset allocation in 12/31/2007 (the 11-K date) had only a small amount invested in it and the other Balanced portfolio funds in the scan. Something to think about. I also found a portfolio with a very small standard deviation that had a decent return. This low risk portfolio is also shown in the 3D scan. It is possible to make lemonade out of a lemon but you do to have seek out common sense changes. The low risk portfolio was basically in 12 funds, LQPAX 6.92%, NSTRX 12.12%, NSFAX 5.37%, COSIX 5.9%, CFSAX 12.2%, FDIVX 1.83%, FGMNX 17.22%, MCR 2.78%, VGENX 3%, VWINX 6.12% and NMIRX 21.52% where NMIRX is a proxy for the Goode stable value trust. I also refocused the scan for a better image of the 3D design space near the Balanced portfolio. A scan with 3yr data was similar but only had three funds in the Balanced portfolio; CFSAX, FGMNX and NMIRX.