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401k Investor
The Commercial Savings Bank 401(k) Retirement Plan
The Commercial Savings Bank 401(k) Retirement Plan Strategic Asset Allocation - Equal Weight Moderate
The Commercial Savings Bank 401(k) Retirement Plan Strategic Asset Allocation - Equal Weight Moderate
live (public) 0.05% January 08
Delayed
Holdings (As of 10/31/2024)
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| Asset | Fund in this portfolio | Price change* | Original Fund Description | Percentage |
|---|---|---|---|---|
| CASH | CASH (CASH) | 0.0% | CASH | 0.01% |
| International Equity | VTRIX (VANGUARD INTERNATIONAL VALUE FUND INVESTOR SHARES) | 0.96% | Vanguard International Value | 33.51% |
| General Bond | FICMX (FEDERATED GOVERNMENT INCOME TRUST INSTITUTIONAL SHARES) | 0.11% | Federated Income Trust | 35.03% |
| US Equity | PRGFX (T. ROWE PRICE GROWTH STOCK FUND INC. T. ROWE PRICE GROWTH STOCK FUND INC.) | 2.70% | T Rowe Price Growth Stock Fund | 15.31% |
| US Equity | VIMAX (VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES) | 1.13% | Vanguard Mid-Cap Index | 16.14% |
* Day change on 10/31/2024.
Previous
Beta
Performance (As of 01/08/2025)
Since 12/31/2000
| Name | YTD* Return |
1Yr AR** |
3Yr AR** |
5Yr AR** |
10Yr AR** |
15Yr AR** |
|---|---|---|---|---|---|---|
| The Commercial Savings Bank 401(k) Retirement Plan Strategic Asset Allocation - Equal Weight Moderate | 3.7% | 16.3% | 2.0% | 6.7% | 5.7% | 6.0% |
| VFINX (Vanguard (S&P 500) Index) | -5.7% | 10.8% | 10.3% | 16.0% | 11.9% | 12.8% |
| VBINX (Vanguard Balance (60% stocks/40% bonds) | -4.5% | 3.9% | 3.5% | 6.4% | 6.2% | 7.6% |
* YTD: Year to Date
** AR: Annualized Return
** portfolio AR is delayed
| Last 1 Week* | YTD*(2025) | 1 Yr | 3 Yr | 5 Yr | 10 Yr | 15 Yr | 15 Yr | 20 Yr | 20 Yr | Since 01/02/2001 |
2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Annualized Return(%) | -1.1 | 3.7 | 16.3 | 2.0 | 6.7 | 5.7 | 6.0 | 6.6 | 5.7 | 6.1 | 5.9 | 3.2 | 14.4 | -12.6 | 9.5 | 13.4 | 17.6 | -6.7 | 13.4 | 4.0 | 1.8 | 3.3 | 15.8 | 12.2 | -2.2 | 9.8 | 24.5 | -25.4 | 7.9 | 12.6 | 7.8 | 11.6 | 20.2 | -2.7 | 1.2 |
| Sharpe Ratio | NA | 0.03 | -0.28 | -0.24 | 0.21 | 0.37 | NA | NA | NA | NA | 0.42 | -0.38 | 1.3 | -0.98 | 1.1 | 0.69 | 2.24 | -0.87 | 2.58 | 0.41 | 0.2 | 0.46 | 2.24 | 1.6 | -0.16 | 0.87 | 1.64 | -1.12 | 0.46 | 1.29 | 0.93 | 1.7 | 2.72 | -0.39 | -0.13 |
| Draw Down(%) | NA | 0.5 | 6.6 | 17.9 | 23.0 | 23.0 | NA | NA | NA | NA | 36.9 | 6.5 | 7.2 | 18.1 | 4.9 | 23.0 | 4.3 | 13.3 | 2.4 | 7.7 | 8.8 | 5.7 | 5.4 | 6.5 | 13.9 | 9.1 | 14.2 | 35.6 | 7.7 | 7.6 | 4.2 | 5.7 | 6.8 | 13.6 | 10.5 |
| Standard Deviation(%) | NA | 6.7 | 8.7 | 10.6 | 12.5 | 10.5 | NA | NA | NA | NA | 10.8 | 8.8 | 7.8 | 14.2 | 8.7 | 19.1 | 7.2 | 9.3 | 5.0 | 9.1 | 8.8 | 7.2 | 7.0 | 7.6 | 14.6 | 11.2 | 14.8 | 23.5 | 10.6 | 7.3 | 6.0 | 6.3 | 7.2 | 9.8 | 8.1 |
| Treynor Ratio | NA | 0.0 | -0.04 | -0.05 | 0.05 | 0.07 | NA | NA | NA | NA | 0.09 | -0.06 | 0.19 | -0.25 | 0.16 | 0.25 | 0.29 | -0.15 | 0.21 | 0.06 | 0.03 | 0.06 | 0.26 | 0.21 | -0.04 | 0.16 | 0.46 | -0.47 | 0.08 | 0.14 | 0.11 | 0.22 | 0.51 | -0.11 | -0.03 |
| Alpha | NA | -0.01 | -0.05 | -0.02 | -0.01 | -0.01 | NA | NA | NA | NA | 0.01 | -0.05 | 0.0 | -0.01 | -0.02 | 0.01 | 0.01 | -0.02 | 0.01 | -0.01 | 0.01 | -0.01 | 0.0 | 0.02 | -0.01 | 0.01 | 0.04 | -0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.03 | 0.02 | 0.01 |
| Beta | NA | 0.45 | 0.59 | 0.55 | 0.55 | 0.55 | NA | NA | NA | NA | 0.53 | 0.59 | 0.55 | 0.55 | 0.59 | 0.53 | 0.56 | 0.52 | 0.6 | 0.65 | 0.53 | 0.59 | 0.6 | 0.57 | 0.61 | 0.61 | 0.53 | 0.56 | 0.64 | 0.67 | 0.53 | 0.49 | 0.38 | 0.35 | 0.33 |
| RSquared | NA | 0.9 | 0.73 | 0.84 | 0.88 | 0.87 | NA | NA | NA | NA | 0.88 | 0.73 | 0.84 | 0.88 | 0.79 | 0.93 | 0.92 | 0.92 | 0.66 | 0.87 | 0.87 | 0.87 | 0.9 | 0.93 | 0.95 | 0.95 | 0.95 | 0.95 | 0.93 | 0.85 | 0.81 | 0.74 | 0.84 | 0.85 | 0.78 |
| Sortino Ratio | NA | 0.05 | -0.35 | -0.33 | 0.27 | 0.49 | NA | NA | NA | NA | 0.58 | -0.48 | 1.92 | -1.36 | 1.56 | 0.89 | 3.26 | -1.11 | 3.66 | 0.55 | 0.28 | 0.62 | 3.3 | 2.5 | -0.21 | 1.24 | 2.41 | -1.48 | 0.62 | 1.93 | 1.38 | 2.42 | 4.21 | -0.56 | -0.18 |
| Yield(%) | N/A | 0.0 | 1.5 | 2.2 | 2.7 | 3.2 | 4.0 | 4.0 | 5.1 | 5.1 | 3.18 | 1.5 | 3.5 | 1.8 | 3.3 | 1.9 | 2.6 | 3.4 | 0.3 | 2.3 | 4.3 | 3.5 | 0.5 | 2.5 | 1.2 | 6.0 | 3.2 | 2.8 | 6.0 | 6.9 | 4.0 | 2.9 | 2.7 | 3.2 | 3.8 |
| Dividend Growth(%) | N/A | -98.5 | -53.3 | 0.8 | 28.6 | 24.9 | N/A | N/A | N/A | N/A | N/A | -53.2 | 72.9 | -39.7 | 89.0 | -11.3 | -30.0 | 1298.3 | -86.9 | -46.9 | 27.1 | 763.6 | -79.7 | 109.4 | -78.2 | 135.1 | -13.0 | -51.1 | -2.4 | 87.6 | 52.2 | 31.4 | -18.6 | -14.9 | N/A |
*: NOT annualized;YTD: Year to Date
**Inception: starting from 12/31/2000
Portfolio Description
This model portfolio uses Strategic Asset Allocation - Equal Weight
. The allocations are diversified by investing in the 3 major asset classes: Fixed Income, US Equity, Foreign Equity
that are covered in The Commercial Savings Bank 401(k) Retirement Plan. It then selects one or two funds for each of the 3 major asset classes.
1.Risk allocation: the risk profile of this portfolio 40.
The total allocation of the fixed income assets should be at least 40%.
2.Asset weights: risk assets selected are equally weighted by
default.
3.Fund selection: about one or two top performing funds among 6 available funds in the plan are chosen for each asset selected. They are usually equally weighted within
the asset by default.
4.Rebalance frequency: the portfolio is reviewed by the strategy program monthly
and the above steps are repeated. Asset weights are rebalanced back to target allocation if it is necessary.
5.
Simulation: Performance data before this portfolio went public on
01/25/2011
are obtained from historical simulation. They are hypothetical.
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