REALOGY CORPORATION EMPLOYEE SAVINGS PLAN Investment Model Portfolios

Investment options of REALOGY CORPORATION EMPLOYEE SAVINGS PLAN

Total Available Funds: 17

Asset Class

Ticker

Description

US EQUITY
Mid-Cap Growth	HAMGX	Harbor Funds: Harbor Mid Cap Growth Fund; Institutional Class Shares
Small Growth	LCGRX	Loomis Sayles Funds II: Natixis Loomis Sayles Small Cap Growth Fund; Retail Class
MID-CAP VALUE	PCGRX	Pioneer Mid Cap Value Fund; Class A Shares
LARGE BLEND	NYVTX	Davis New York Venture Fund
LARGE GROWTH	AGTHX	Growth Fund of America
Small Growth	VEXRX	Vanguard Explorer Fund; Admiral Shares

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Funds: Total Return Fund; Institutional Class Shares
Multisector Bond	LBNPX	Lord Abbett Bond-Debenture Fund
Inflation-Protected Bond	VIPSX	Vanguard Bond Index Funds: Vanguard Inflation-Protected Securities Fund; Investor Shares
Multisector Bond	LBNDX	Lord Abbett Bond-Debenture Fund
Intermediate-Term Bond	PTTAX	PIMCO Funds: Total Return Fund; Class A Shares

REAL ESTATE
REAL ESTATE	RRRRX	DWS Securities Trust: DWS RREEF Real Estate Securities Fund; Institutional Class Shares

INTERNATIONAL EQUITY
Foreign Large Growth	OIGAX	Oppenheimer International Growth Fund; Class A Shares
Foreign Large Blend	HAINX	Harbor Funds: Harbor International Fund; Institutional Class Shares
Foreign Large Blend	HIINX	Harbor Funds: Harbor International Fund; Investor Class Shares

Emerging Market
DIVERSIFIED EMERGING MKTS	HLEMX	Harding

Others
Moderate Allocation	OAKBX	Harris Associates Investment Trust: Oakmark Equity & Income Fund; Class I Shares

Investment model portfolios

We provide two types of investment model portfolios for REALOGY CORPORATION EMPLOYEE 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.

Customize a model portfolio now

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