H&R Block Retirement Savings Plan
Investment Model Portfolios
H&R Block, Inc., through its subsidiaries, provides tax preparation, retail banking, and various business advisory and consulting services. It operates in three segments: Tax Services, Business Services, and Corporate.
Investment options of H&R Block Retirement Savings Plan
Total Available Funds: 21
| Asset Class |
Ticker
| Description |
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
RERFX |
American Funds Group EuroPacific Growth Fund R5 |
|
| US EQUITY |
|
|
| LARGE GROWTH |
RGAFX |
American Funds Group Growth Fund of America Class R5 |
| LARGE VALUE |
DODGX |
Dodge & Cox Funds Dodge & Cox Stock Fund |
| SMALL BLEND |
HASCX |
Harbor Funds Harbor Small Cap Value Fund |
| Mid-Cap Growth |
VMGRX |
SEI Investments SEI Institutional Mid Cap Growth Fund |
| LARGE BLEND |
VINIX |
Vanguard Group Vanguard Institutional Index Fund |
|
| Others |
|
|
| Target Date 2000-2010 |
FFFBX |
Fidelity Freedom Funds Fidelity Freedom 2000 Fund |
| Target Date 2000-2010 |
FFFVX |
Fidelity Freedom Funds Fidelity Freedom 2005 Fund |
| Target Date 2000-2010 |
FFFCX |
Fidelity Freedom Funds Fidelity Freedom 2010 Fund |
| Target Date 2011-2015 |
FFVFX |
Fidelity Freedom Funds Fidelity Freedom 2015 Fund |
| Target Date 2016-2020 |
FFFDX |
Fidelity Freedom Funds Fidelity Freedom 2020 Fund |
| Target Date 2021-2025 |
FFTWX |
Fidelity Freedom Funds Fidelity Freedom 2025 Fund |
| Target Date 2026-2030 |
FFFEX |
Fidelity Freedom Funds Fidelity Freedom 2030 Fund |
| Target Date 2031-2035 |
FFTHX |
Fidelity Freedom Funds Fidelity Freedom 2035 Fund |
| Target Date 2036-2040 |
FFFFX |
Fidelity Freedom Funds Fidelity Freedom 2040 Fund |
| Target Date 2041-2045 |
FFFGX |
Fidelity Freedom Funds Fidelity Freedom 2045 Fund |
| Target Date 2050+ |
FFFHX |
Fidelity Freedom Funds Fidelity Freedom 2050 Fund |
| Retirement Income |
FFFAX |
Fidelity Freedom Funds Fidelity Freedom Income Fund |
| Moderate Allocation |
VWELX |
Vanguard Group Vanguard Wellington Fund |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
PTTRX |
PIMCO Funds PIMCO Total Return Fund |
| SHORT GOVERNMENT |
STABLEVALUE |
SEI Investments SEI Stable Asset Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for H&R Block Retirement 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: 10/31/2023.
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 (%)
|
H&R Block Ret... Moderate
|
-0.63 |
-0.03 |
1.46 |
2.15 |
2.69 |
4.69 |
5.58 |
5.96 |
NA |
0.66 |
11.80 |
-15.13 |
7.28 |
11.37 |
9.56 |
-1.91 |
13.07 |
3.74 |
-0.78 |
0.45 |
12.06 |
6.41 |
1.84 |
7.54 |
16.49 |
-2.91 |
11.76 |
10.02 |
7.81 |
11.08 |
17.26 |
0.67 |
6.54 |
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)
|
-1.25 |
9.98 |
9.75 |
10.95 |
11.06 |
12.38 |
9.19 |
7.54 |
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)
|
-0.67 |
6.25 |
1.68 |
4.40 |
4.69 |
6.67 |
5.54 |
5.08 |
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
|
H&R Block Ret... Moderate
|
NA |
0.45 |
-0.11 |
0.33 |
0.42 |
NA |
NA |
0.72 |
NA |
0.05 |
0.97 |
-1.66 |
0.79 |
1.25 |
1.82 |
-0.45 |
2.73 |
0.88 |
-0.16 |
0.07 |
1.71 |
1.26 |
0.25 |
0.69 |
2.08 |
-0.94 |
0.89 |
0.88 |
0.96 |
1.35 |
3.02 |
-0.10 |
1.16 |
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 |
0.23 |
0.32 |
0.74 |
0.56 |
NA |
NA |
0.44 |
-0.70 |
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 |
0.29 |
0.15 |
0.51 |
0.38 |
NA |
NA |
0.49 |
-0.10 |
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(%)
|
H&R Block Ret... Moderate
|
NA |
7.78 |
8.95 |
8.34 |
7.01 |
NA |
NA |
7.01 |
NA |
8.03 |
7.82 |
9.94 |
9.18 |
8.88 |
4.49 |
7.14 |
4.56 |
4.00 |
5.07 |
6.00 |
7.03 |
5.06 |
7.31 |
10.85 |
7.89 |
4.05 |
9.81 |
7.68 |
5.88 |
7.51 |
5.48 |
4.47 |
3.66 |
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 |
19.39 |
18.60 |
17.94 |
18.44 |
NA |
NA |
18.12 |
28.69 |
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 |
10.43 |
10.86 |
10.39 |
10.40 |
NA |
NA |
11.50 |
14.60 |
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(%)
|
H&R Block Ret... Moderate
|
NA |
6.94 |
16.18 |
16.18 |
16.18 |
NA |
NA |
16.18 |
NA |
2.02 |
6.94 |
15.81 |
3.97 |
10.87 |
3.50 |
7.58 |
2.08 |
3.19 |
5.01 |
5.68 |
4.48 |
4.68 |
5.96 |
9.22 |
4.00 |
6.29 |
7.21 |
9.68 |
4.18 |
6.21 |
3.47 |
5.48 |
2.77 |
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 |
13.24 |
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(%)
|
H&R Block Ret... Moderate
|
NA |
4.50 |
4.70 |
4.33 |
3.81 |
NA |
NA |
4.04 |
NA |
0.01 |
4.78 |
3.22 |
6.17 |
3.48 |
4.15 |
2.95 |
0.54 |
3.55 |
5.13 |
4.39 |
2.16 |
3.58 |
1.92 |
4.07 |
4.53 |
2.66 |
6.20 |
7.19 |
3.72 |
3.44 |
3.11 |
5.32 |
6.65 |
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 H&R Block Retirement Savings Plan
