RAYONIER INVESTMENT AND SAVINGS PLAN FOR SALARIED Investment Model Portfolios

Investment options of RAYONIER INVESTMENT AND SAVINGS PLAN FOR SALARIED

Total Available Funds: 15

Asset Class

Ticker

Description

Others
Target Date 2031-2035	WFQWX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2035 Fund; Administrator Class Shares
ROOT	WOTRX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target Today Fund; Class R4 Shares
Target Date 2021-2025	WFTRX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2025 Fund; Administrator Class Shares
Target Date 2021-2025	WFGYX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2025 Fund; Investor Class Shares
ROOT	WFSRX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2015 Fund; Class R4 Shares
Target Date 2031-2035	WFQTX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2035 Fund; Investor Class Shares
Retirement Income	WOTDX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target Today Fund; Institutional Class Shares
Target Date 2041-2045	WFQYX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2045 Fund; Administrator Class Shares

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Funds: Total Return Fund; Institutional Class Shares

US EQUITY
LARGE BLEND	MIEYX	MassMutual Select Funds: MassMutual Select Indexed Equity Fund; Class Y Shares
Small Growth	VASCX	AIM Counselor Series Trust (Invesco Counselor Series Trust): Invesco Small Cap Discovery Fund; Class A Shares
SMALL BLEND	MSVSX	MassMutual Select Funds: MassMutual Select Small Company Value Fund; Class S Shares
Small Growth	VCSCX	AIM Counselor Series Trust (Invesco Counselor Series Trust): Invesco Small Cap Discovery Fund; Class C Shares

INTERNATIONAL EQUITY
Foreign Large Blend	AEPGX	EuroPacific Growth Fund; Class A Shares

Emerging Market
DIVERSIFIED EMERGING MKTS	ODMAX	Oppenheimer Developing Markets Fund; Class A Shares

Investment model portfolios

We provide two types of investment model portfolios for RAYONIER INVESTMENT AND SAVINGS PLAN FOR SALARIED 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.

Customize a model portfolio now

Click here for more plan details and features ►