Schwab Mutual Funds Beat out ETFs
l Retirement investing is a "hair on fire" problem -- especially for baby boomers for whom retirement is a near and present danger. There is a real lack of consistent, unbiased information that a retiree can use to help improve risk adjusted returns. Blogger Jenny Hollingworth has been teaching herself about investing and has come to the point where she is going to choose a plan and make her first investments. In her recent post New Steps she sorted through a list of alternatives and chose the Schwab OneSource Select List Funds. The reason for her choice was: The highest possible rating for each plan is 5 stars.  So I bypassed anything that didn’t have 5 (because really, why go for less?) Picked out a name I knew: Schwab.  Specifically: Schwab OneSource Select List Funds. I selected it.   This is an application to Charles Schwab's OneSource Select List mutual funds. These funds are  No Load and No Transaction Fee (NTF) mutual funds. Based on Schwab's policy, the no load NTF funds have 90 days redemption fee period. As of 1/1/2010, there are total  140 OneSource Select List funds available from Schwab. We are going to review the Schwab OneSource Select List Funds  to see whether she chose a good plan. The plan consists of 137 funds. These funds enable participants to gain exposure to 6 major assets: US Equity, Commodity, Foreign Equity, REITs, Emerging Market Equity, Fixed Income.   Asset Class Ticker Name LARGE VALUE AAGPX American Beacon Lg Cap Value Inv Foreign Large Value AAIPX American Beacon Intl Equity Inv Retirement Income AANPX American Beacon Retire Inc & Apprec Inv High Yield Muni ABHYX American Century High-Yield Muni Inv Inflation-Protected Bond ACITX American Century Infl-Adj Bond Inv Muni National Long ACLVX American Century Long-Term Tax-Free Inv MID-CAP VALUE ACMVX American Century Mid Cap Value Inv Conservative Allocation AONIX American Century One Choice: Vry Cnsrv I MID-CAP VALUE ARDEX Aston/River Road Dividend All Cap Val N Target Date 2011-2015 ARFIX American Century LIVESTRONG 2015 Inv Retirement Income ARTOX American Century LIVESTRONG Inc Inv Target Date 2021-2025 ARWIX American Century LIVESTRONG 2025 Inv Target Date 2031-2035 ARYIX American Century LIVESTRONG 2035 Inv SMALL VALUE AVPAX American Beacon Small Cp Val Inv EUROPE STOCK AXEAX Threadneedle European Equity A Muni National Interm BMBSX Baird Intermediate Muni Bd Inv Technology BOGSX Black Oak Emerging Technology Small Growth BSCFX Baron Small Cap Moderate Allocation BUFBX Buffalo Balanced Technology BUFTX Buffalo Science & Technology DIVERSIFIED EMERGING MKTS CEMVX Causeway Emerging Markets Investor MID-CAP BLEND CHTTX Aston/Optimum Mid Cap N Intermediate Government CPTNX American Century Government Bond Inv Small Growth CSMVX Century Small Cap Select Inv REAL ESTATE CSRSX Cohen & Steers Realty Shares Long-Short CVSIX Calamos Market Neutral Income A SMALL BLEND DISSX Dreyfus Small Cap Stock Index Bank Loan EABLX Eaton Vance Floating Rate Adv Conservative Allocation EXDAX Manning & Napier Pro-Blend Cnsrv Term S Foreign Large Blend EXWAX Manning & Napier World Opportunities A Moderate Allocation FAGSX First American Strat Growth Allc A Financial FBRSX FBR Small Cap Financial ULTRASHORT BOND FEUGX Federated Adjustable Rate Secs Instl Intermediate Government FICMX Federated Income Instl Muni National Interm FIMTX Federated Intermediate Municipal Instl LARGE BLEND FMIHX FMI Large Cap Long-Short FMLSX Wasatch-1st Source Long/Short SHORT GOVERNMENT FSGVX Federated US Govt 1-3 Yr Instl Muni Short FSHIX Federated Shrt-Interm Dur Muni Instl Short-Term Bond FSTIX Federated Short-Term Income Instl Intermediate-Term Bond FTRFX Federated Total Return Bond Instl Svc SMALL BLEND GABSX Gabelli Small Cap Growth AAA Communications GABTX GAMCO Global Telecommunications AAA LARGE GROWTH HCAIX Harbor Capital Appreciation Inv Foreign Large Blend HIINX Harbor International Inv WORLD STOCK HLMGX Harding Loevner Global Equity Advisor Foreign Large Growth HLMNX Harding Loevner International Equity Inv Equity Energy ICENX ICON Energy S China Region ICHKX Guinness Atkinson China & Hong Kong LARGE VALUE INDZX RiverSource Diversified Equity Inc A Moderate Allocation JABAX Janus Balanced T Health JAGLX Janus Global Life Sciences T LARGE GROWTH JAMRX Janus Research T Small Growth JATTX Janus Triton T Foreign Large Blend JETAX Artio International Equity II A Target Date 2021-2025 JNSAX JPMorgan SmartRetirement 2025 A LARGE BLEND JRMSX INTECH Risk-Managed Core T Target Date 2011-2015 JSFAX JPMorgan SmartRetirement 2015 A Target Date 2026-2030 JSMAX JPMorgan SmartRetirement 2030 A Target Date 2016-2020 JTTAX JPMorgan SmartRetirement 2020 A LARGE BLEND JUEAX JPMorgan US Equity A LARGE VALUE JVLAX JHancock3 Disciplined Value A Small Growth KGSCX Kalmar Growth-with-Value Small Cap LARGE GROWTH LGILX Laudus Growth Investors US Large Cap Gr WORLD BOND LIFNX Laudus Mondrian Intl Fixed Income Foreign Large Blend LISOX Lazard Intl Strategic Equity Open Multisector Bond LSBRX Loomis Sayles Bond Retail DIVERSIFIED PACIFIC/ASIA MAPIX Matthews Asia Pacific Equity Income PACIFIC/ASIA EX-JAPAN STK MAPTX Matthews Pacific Tiger Investor China Region MCHFX Matthews China Investor Muni National Interm MITFX Marshall Intermediate Tax-Free Inv JAPAN STOCK MJFOX Matthews Japan Investor Foreign Large Blend MKIEX McKee International Equity Instl DIVERSIFIED PACIFIC/ASIA MPACX Matthews Asia Pacific Investor High Yield Bond MWHYX Metropolitan West High Yield Bond M Short-Term Bond MWLDX Metropolitan West Low Duration Bond M Intermediate-Term Bond MWTRX Metropolitan West Total Return Bond M MID-CAP BLEND NMMCX Northern Multi-Manager Mid Cap SMALL VALUE NOSGX Northern Small Cap Value Muni National Long NOTEX Northern Tax-Exempt Small Growth NSPAX ING Small Cap Opportunities A Foreign Small/Mid Value OAKEX Oakmark International Small Cap I WORLD STOCK OAKGX Oakmark Global I COMMODITIES BROAD BASKET PCRDX PIMCO Commodity Real Ret Strat D Emerging Markets Bond PEMDX PIMCO Emerging Markets Bond D LARGE BLEND PEOPX Dreyfus S&P 500 Index WORLD BOND PFODX PIMCO Foreign Bond (USD-Hedged) D Intermediate-Term Bond PGBOX JPMorgan Core Bond A Multisector Bond PONDX PIMCO Income D LARGE BLEND PRBLX Parnassus Equity Income - Inv Inflation-Protected Bond PRRDX PIMCO Real Return D SMALL VALUE PSOAX JPMorgan Small Cap Value A Intermediate-Term Bond PTTDX PIMCO Total Return D SMALL BLEND RYTFX Royce Total Return Svc Intermediate-Term Bond SAMIX RidgeWorth Intermediate Bond I Foreign Large Blend SICNX Schwab International Core Equity Inst Foreign Large Blend SIEIX RidgeWorth Intl Equity Index I ULTRASHORT BOND SIGVX RidgeWorth US Gov Sec Ultra-Short Bd I Target Date 2031-2035 SRJAX JPMorgan SmartRetirement 2035 A DIVERSIFIED EMERGING MKTS SSEMX SSgA Emerging Markets Instl High Yield Bond STHTX RidgeWorth High Income I Muni National Interm STTBX RidgeWorth Investment Grade T/E Bond I LARGE BLEND SWANX Schwab Core Equity Inv Global Real Estate SWASX Schwab Global Real Estate Select Target Date 2026-2030 SWDRX Schwab Target 2030 LARGE VALUE SWDSX Schwab Dividend Equity Financial SWFFX Schwab Financial Services Target Date 2011-2015 SWGRX Schwab Target 2015 Intermediate Government SWGSX Schwab GNMA Long-Short SWHEX Schwab Hedged Equity Health SWHFX Schwab Health Care Target Date 2021-2025 SWHRX Schwab Target 2025 Intermediate-Term Bond SWIIX Schwab Premier Income Instl Foreign Large Blend SWISX Schwab International Index Retirement Income SWKRX Schwab Monthly Income Enh Payout Retirement Income SWLRX Schwab Monthly Income Max Payout LARGE GROWTH SWLSX Schwab Large-Cap Growth Foreign Large Growth SWMIX Laudus International MarketMasters Sel Small Growth SWMSX Laudus Small-Cap MarketMasters Select Muni National Interm SWNTX Schwab Tax-Free Bond Moderate Allocation SWOBX Schwab Balanced Inv LARGE BLEND SWPPX Schwab S&P 500 Index SMALL BLEND SWSSX Schwab Small Cap Index LARGE GROWTH TGCNX TCW Select Equities N Mid-Cap Growth TGDNX TCW Growth Equities N EQUITY PRECIOUS METALS TGLDX Tocqueville Gold LARGE BLEND TICRX TIAA-CREF Social Choice Eq Retail LARGE GROWTH TIRTX TIAA-CREF Large-Cap Growth Retail LARGE GROWTH TWCGX American Century Growth Inv Muni National Interm TWTIX American Century Interm-T Tx-Fr Bd Inv SHORT GOVERNMENT TWUSX American Century Short-Term Govt Inv LARGE VALUE TWVLX American Century Value Inv Foreign Large Value TWWDX Thomas White International Foreign Large Growth UMBWX Scout International SMALL VALUE VSFAX Federated Clover Small Value A Mid-Cap Growth WTMGX Westcore MIDCO Growth LARGE VALUE YAFFX Yacktman Focused   Asset Class Number of funds Balanced Fund 21 REITs 2 Fixed Income 34 Commodity 1 Sector Fund 9 Foreign Equity 18 Emerging Market Equity 7 US Equity 41 Other 4 Total 137 As of Apr 5, 2011, this plan investment choice is rated as above average based on MyPlanIQ Plan Rating methodology that was designed to measure how effective a plan's available investment funds are . It has the following detailed ratings: Diversification -- Rated as great (98%) Fund Quality -- Rated as average (54%) Portfolio Building -- Rated as great (86%) Overall Rating: above average (80%) Portfolio Discussions The chart and table below show the historical performance of moderate model portfolios employing strategic and tactical asset allocation strategies. For comparison purpose, we also include the moderate model portfolios of a typical 6 asset SIB (Simpler Is Better) plan . This SIB plan has the following candidate index funds and their ETFs equivalent: US Equity: SPY or VTI Commodity: DBC Foreign Equity: EFA or VEU REITs: IYR or VNQ or ICF Emerging Market Equity: EEM or VWO Fixed Income: AGG or BND Performance chart (as of Apr 5, 2011) Performance table (as of Apr 5, 2011) Portfolio Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe Schwab OneSource Select List Funds Tactical Asset Allocation Moderate 13% 106% 10% 91% 13% 110% Schwab OneSource Select List Funds Strategic Asset Allocation Moderate 12% 152% 4% 32% 7% 52% Six Core Asset ETF Benchmark Tactical Asset Allocation Moderate 10% 81% 9% 82% 13% 89% Six Core Asset ETF Benchmark Strategic Asset Allocation Moderate 14% 121% 4% 20% 7% 34% With six asset classes and a wide number of funds, the returns beat the six asset class benchmark. With high scores in all categories, this plan delivers portfolios that have produced strong historical returns. Symbols: SPY , VTI , EFA , VEU , EEM , VWO , IYR , VNQ , ICF , AGG , BND , DBC , HYG , JNK , PHB , AOM , AOK , CIU , BIV , ITM , MUB , TFI , PZA , MLN , IYH , IXJ , VHT , XBI , PBE , DBR , RYH , EFG , IXP , PTE , DGG , LTL , MTK , PTF , DBT , RYT , ROM , GWL , PFA , IVE , IWW , JKF , VTV , ELV , PWV , RPV , SCHV , SCZ , EFV , PID , DWM , IYF , VFH , IPF , PFI , DRF , RYF , IFGL , RWX , TZE , TZG , TZI , TZO , TZL , IGOV , BWX , WIP , IVV , IYY , IWV , VV , DLN , RSP , SCHX , IOO , VT , SHY , SHV , VGSH , PLK , USY , IEV , VGK , PEF , DEB , IVW , IWZ , JKE , VUG , ELG , QQQQ , RPG , SCHG , IJJ , IWS , JKI , VOE , EMV , PWP , RFV , UVU , IJH , IWR , JKG , VO , MDY , EMM , PJG , DON , EZM , MVV , IJS , IWN , JKL , VBR , DSV , PWY , RZV , UVT , IJR , IWM , JKJ , VB , DSC , PJM , DES , SAA , UWM , SCHA , GMM , PXH , DEM , SCHE , GBF , LAG , PCY , CSJ , BSV , VCSH , ITE , IXC , IPW , DBE , RYE , DKA , IEI , VGIT , IJK , IWP , VOT , EMG , PWJ , RFG , UKW , IJT , IWO , JKK , VBK , DSG , PWT , RZG , UKK , TIP , DBP , EPP , VPL , GMF , PAF , AAXJ , DND , EWJ , JPP , PJO , DXJ , GSG , BIL Disclosure: MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned above are obtained through historical simulation and are hypothetical. Originally from the UK, Jenny Hollingworth lives with her husband and two sons in Northern California. She is a wife, mother, writer, theatre director, coffee drinker, avid reader, keen walker, movie watcher, Jane Austen lover and observer of life, in no particular order. MyPlanIQ has no formal relationship with Jenny Hollingworth. comments(0)  
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DEBENHAMS DEVELOPMENT SECS GUGGENHEIM S&P 500 EQUAL WEIGHT ENERGY ETF GUGGENHEIM S&P 500 EQUAL WEIGHT ETF GUGGENHEIM S&P 500 EQUAL WEIGHT FINANCIALS ETF GUGGENHEIM S&P 500 EQUAL WEIGHT HEALTHCARE ETF GUGGENHEIM S&P 500 EQUAL WEIGHT TECHNOLOGY ETF GUGGENHEIM S&P 500 PURE GROWTH ETF GUGGENHEIM S&P 500 PURE VALUE ETF GUGGENHEIM S&P MIDCAP 400 PURE GROWTH ETF GUGGENHEIM S&P MIDCAP 400 PURE VALUE ETF GUGGENHEIM S&P SMALLCAP 600 PURE GROWTH ETF GUGGENHEIM S&P SMALLCAP 600 PURE VALUE ETF ISH INTL DEV RE ISH INTL TRS BD ISH MSCI ALL CT ISHARES 1-3 YEAR CREDIT BOND ETF ISHARES 1-3 YEAR TREASURY BOND ETF ISHARES 3-7 YEAR TREASURY BOND ETF ISHARES COHEN & STEERS REIT ETF ISHARES CONSERVATIVE ALLOCATION ETF ISHARES CORE S&P 500 ETF ISHARES CORE S&P MID-CAP ETF ISHARES CORE S&P SMALL-CAP ETF ISHARES CORE TOTAL U.S. BOND MARKET ETF ISHARES DOW JONES U.S. ETF ISHARES EUROPE ETF ISHARES GLOBAL 100 ETF ISHARES GLOBAL ENERGY ETF ISHARES GLOBAL HEALTHCARE ETF ISHARES GLOBAL TELECOM ETF ISHARES GOVERNMENT/CREDIT BOND ETF ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ISHARES INTERMEDIATE CREDIT BOND ETF ISHARES MODERATE ALLOCATION ETF ISHARES MORNINGSTAR LARGE-CAP GROWTH ETF ISHARES MORNINGSTAR LARGE-CAP VALUE ETF ISHARES MORNINGSTAR MID-CAP ETF ISHARES MORNINGSTAR MID-CAP VALUE ETF ISHARES MORNINGSTAR SMALL-CAP ETF ISHARES MORNINGSTAR SMALL-CAP GROWTH ETF ISHARES MORNINGSTAR SMALL-CAP VALUE ETF ISHARES MSCI EAFE ETF ISHARES MSCI EAFE GROWTH ETF ISHARES MSCI EAFE SMALL-CAP ETF ISHARES MSCI EAFE VALUE ETF ISHARES MSCI EMERGING MARKETS ETF ISHARES MSCI JAPAN ETF ISHARES MSCI PACIFIC EX JAPAN ETF ISHARES NATIONAL AMT-FREE MUNI BOND ETF ISHARES RUSSELL 2000 ETF ISHARES RUSSELL 2000 GROWTH ETF ISHARES RUSSELL 2000 VALUE ETF ISHARES RUSSELL 3000 ETF ISHARES RUSSELL 3000 GROWTH ETF ISHARES RUSSELL 3000 VALUE ETF ISHARES RUSSELL MID-CAP ETF ISHARES RUSSELL MID-CAP GROWTH ETF ISHARES RUSSELL MID-CAP VALUE ETF ISHARES S&P GSCI COMMODITY-INDEXED TRUST ISHARES S&P 500 GROWTH ETF ISHARES S&P 500 VALUE ETF ISHARES S&P MID-CAP 400 GROWTH ETF ISHARES S&P MID-CAP 400 VALUE ETF ISHARES S&P SMALL-CAP 600 GROWTH ETF ISHARES S&P SMALL-CAP 600 VALUE ETF ISHARES SHORT TREASURY BOND ETF ISHARES TARGET DATE 2015 ETF ISHARES TARGET DATE 2020 ETF ISHARES TARGET DATE 2025 ETF ISHARES TARGET DATE 2030 ETF ISHARES TARGET DATE 2035 ETF ISHARES TIPS BOND ETF ISHARES U.S. FINANCIALS ETF ISHARES U.S. HEALTHCARE ETF ISHARES U.S. REAL ESTATE ETF MARKET VECTORS- INTERMEDIATE MUNICIPAL INDEX ETF MARKET VECTORS- LONG MUNICIPAL INDEX ETF PIONEERING TECH POWERSHARES DB COMMODITY INDEX TRACKING FUND POWERSHARES DB PRECIOUS METALS FUND POWERSHARES DWA FINANCIAL MOMENTUM PORTFOLIO POWERSHARES DWA TECHNOLOGY MOMENTUM PORTFOLIO POWERSHARES DYNAMIC BIOTECHNOLOGY & GENOME PORTFOLIO POWERSHARES DYNAMIC LARGE CAP VALUE PORTFOLIO POWERSHARES EMERGING MARKETS SOVEREIGN DEBT PORTFOLIO POWERSHARES FTSE RAFI ASIA PACIFIC EX-JAPAN PORTFOLIO POWERSHARES FTSE RAFI EMERGING MARKETS PORTFOLIO POWERSHARES FUNDAMENTAL HIGH YIELD CORPORATE BOND PORTFOLIO POWERSHARES FUNDAMENTAL PURE MID CORE PORTFOLIO POWERSHARES FUNDAMENTAL PURE MID GROWTH PORTFOLIO POWERSHARES FUNDAMENTAL PURE MID VALUE PORTFOLIO POWERSHARES FUNDAMENTAL PURE SMALL CORE PORTFOLIO POWERSHARES FUNDAMENTAL PURE SMALL GROWTH PORTFOLIO POWERSHARES FUNDAMENTAL PURE SMALL VALUE PORTFOLIO POWERSHARES INSURED NATIONAL MUNICIPAL BOND PORTFOLIO POWERSHARES INTERNATIONAL DIVIDEND ACHIEVERS PORTFOLIO POWERSHARES S&P INTERNATIONAL DEVELOPED HIGH QUALITY PORTFOLIO PROSHARES ULTA SMALLCAP600 PROSHARES ULTRA MIDCAP400 PROSHARES ULTRA RUSSELL 2000 VALUE PROSHARES ULTRA RUSSELL MIDCAP GROWTH PROSHARES ULTRA RUSSELL MIDCAP GROWTH PROSHARES ULTRA RUSSELL MIDCAP VALUE PROSHARES ULTRA RUSSELL2000 PROSHARES ULTRA TECHNOLOGY PROSHARES ULTRA TELECOMMUNICATIONS PowerShares DB Energy Fund S&P DEP RECEIPTS SCHWAB EMERGING MARKETS EQUITY ETF SCHWAB U.S SMALL- CAP ETF SCHWAB U.S. LARGE- CAP ETF SCHWAB U.S. LARGE-CAP GROWTH ETF SCHWAB U.S. LARGE-CAP VALUE ETF SPDR BARCLAYS 1-3 MONTH T-BILL ETF SPDR BARCLAYS AGGREGATE BOND ETF SPDR BARCLAYS HIGH YIELD BOND ETF SPDR BARCLAYS INTERMEDIATE TERM TREASUURE ETF SPDR BARCLAYS INTERNATIONAL TREASURY BOND ETF SPDR DB INTERNATIONAL GOVT INFLATION-PROTECTED BOND SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF SPDR MORGAN STANLEY TECHNOLOGY ETF SPDR NUVEEN BARCLAYS MUNICIPAL BOND ETF SPDR RUSSELL SMALL CAP COMPLETENESS ETF SPDR RUSSELL/NOMURA PRIME JAPAN ETF SPDR S&P INTERNATIONAL FINANCIAL SECTOR SPDR S&P BIOTECH ETF SPDR S&P EMERGING ASIA PACIFIC ETF SPDR S&P EMERGING MARKETS ETF SPDR S&P INTERNATIONAL ENERGY SECTOR SPDR S&P MIDCAP 400 ETF TRUST SPDR S&P WORLD EX-US ETF THE DESCARTES SYS UNISYS VANGUARD FINANCIALS ETF VANGUARD FTSE ALL-WORLD EX-US ETF VANGUARD FTSE EMERGING MARKETS ETF VANGUARD FTSE EUROPE ETF VANGUARD FTSE PACIFIC ETF VANGUARD GROWTH ETF VANGUARD HEALTH CARE ETF VANGUARD INTERMEDIATE-TERM BOND ETF VANGUARD LARGE-CAP ETF VANGUARD MID-CAP ETF VANGUARD MID-CAP GROWTH ETF VANGUARD MID-CAP VALUE ETF VANGUARD REIT ETF VANGUARD SHORT-TERM BOND ETF VANGUARD SMALL-CAP ETF VANGUARD SMALL-CAP GROWTH ETF VANGUARD SMALL-CAP VALUE ETF VANGUARD TOTAL BOND MARKET VANGUARD TOTAL STOCK MARKET ETF VANGUARD TOTAL WORLD STOCK ETF VANGUARD VALUE ETF VN INT-TR GV BD IDX VN SH-TR CR BD IDX VN SH-TR GV BD IDX WISDOMTREE ASIA-PACIFIC EX-JAPAN FUND WISDOMTREE DEFA FUND WISDOMTREE EMERGING MARKETS EQUITY INCOME FUND WISDOMTREE GLOBAL NATURAL RESOURCES FUND WISDOMTREE JAPAN HEDGED EQUITY FUND WISDOMTREE LARGECAP DIVIDEND FUND WISDOMTREE MIDCAP DIVIDEND FUND WISDOMTREE MIDCAP EARNINGS FUND WISDOMTREE SMALLCAP DIVIDEND FUND
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