The last time I scanned this plan was in the summer of 2008 and it was a lovely Antebellum chart. The post today shows a lifeboat portfolio helped by company stock THG and the Balanced portfolio has 5.3% of the plan in the stock. This is more than the 4.6% the employees have in the stock which rarely happens in 401k plans. All in all a good plan with the stable value fund FMIP2 in the scan the largest holding of both portfolios.
The Balanced portfolio has 12.3% of the plan in company stock WEC and the employee portfolio has 23.2% of their money in the stock. This is a diversified plan and the money market fund FRTXX is the largest holding of the Balanced portfolio with over half the investment options in the Balanced portfolio. The plan equity options are balanced and conservative as the 3D scan image shows. The employee portfolio has a 5yr APR = 5.19% with low volatility and a positive 5yr Sharpe ratio.
The plan was helped by company stock FUL again this year but it remains very volatile. The Balanced portfolio invested 4.8% in the stock and its largest holding is still the stable value fund DSVG1 in the scan. The employee portfolio has 32.6% invested in company stock which improved their 5yr APR a little to 5.70% but greatly increased their volatility risk to STD = 12.0%. Remember volatility kills compounding.
This plan was not helped by company stock BW. The Balanced portfolio has over 90% of the plan invested in the money market fund FRTXX and the bond fund PTTRX. The plan needs more diversification. Multiple target date retirement funds do no provide much diversification.
This plan was helped a bit by company stock and the Balanced potfolio has 0.7% invested in it and the employee portfolio has 24.2% in the stock. The 2 largest holdings in the Balanced portfolio are the GIC 58.1% and the money market fund VMMXX 21.7%, another lifeboat portfolio for now. Vanguard is the trustree with just a couple of funds from other companies. All in all a good plan that could use a bit more diversification.
Th1s plan has improved perfomance a lot year-over-year no thanks to the stock CBS which remains very volatile. The Balanced portfolio last year was 100% in a money market fund. This year the Balanced portfolio includes 8 of the plans investment options and the GIC is the largest holding at 67.8% of the plan. The employee portfolio invested 5.3% of their money in company stock which did not help perfomance. Their 2 largest holdings are the GIC and SVSPX the Blackrock S&P 500 index fund.
This plan continues to be helped by company stock DGX but not as much as last year. It had a good 2009 not as good as 2004. The Balanced fund has 7.9% in the stock and a few more investment options have 5yr positive Sharpe ratios and are in the portfolio. The employee portfolio has 17.9% in the stock which increased their 5yr STD risk but not the APR.
