Union Pacific 401k (RTP) Plan PSDS Scan 12-31-2010

This Union Pacific 401k Plan is vintage 2004 and does not have target date retirement TDR funds. The Union Pacific Fruit Express scan of 12-31-2009 does have Vanguard TDR funds and as far as I know Vanguard is the trustee for all these funds. This plan has two investment catagories; LifeStrategy Funds and Core Funds. The LifeStrategy Funds VASIX, VSCGX, VSMGX and VASGX are Pre-Mixed funds. The Core Funds are VMMXX, VRST (stable value fund), VBMFX, VWELX, VWNFX, VFINX, VTSMX, VWUSX, VMCIX, VSCIX, VWIGX and company stock UNP.

In many scans including this one the stable value fund has such a high Sharpe ratio the Balanced portfolio is too conservative for many younger employees. I selected one of the portfolios in the scan between the Balanced portfolio and company stock as a "Moderate" portfolio with more company stock and a good Sharpe ratio they may want to consider. That portfolio has 55% in UNP, 20% in VMMXX, and 5% in VBMFX, VWIGX, VMCIX, VSCIX, and VWUSX. As a student over fifty years ago loading Pacific Fruit Express cars each summer it would have been my choice but not today.