SEDGWICK CMS SAVINGS PLAN Investment Model Portfolios

Investment options of SEDGWICK CMS SAVINGS PLAN

Total Available Funds: 16

Asset Class

Ticker

Description

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

Others
Target Date 2046-2050	FFFPX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2050 Fund; Institutional Class Shares
Target Date 2031-2035	fathx	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2035 Fund; Class A Shares
Target Date 2016-2020	FDTFX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2020 Fund; Class T Shares
Target Date 2026-2030	FAFEX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2030 Fund; Class A Shares
Target Date 2000-2010	FACFX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2010 Fund; Class A Shares
Target Date 2021-2025	FATWX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2025 Fund; Class A Shares
Target Date 2036-2040	faffx	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2040 Fund; Class A Shares
Target Date 2046-2050	FFFLX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2050 Fund; Class A Shares
Target Date 2011-2015	FFVAX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2015 Fund; Class A Shares
Retirement Income	FAFAX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom Income Fund; Class A Shares
Target Date 2041-2045	FFFZX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2045 Fund; Class A Shares

US EQUITY
LARGE VALUE	CGRWX	Oppenheimer Series Fund
SMALL VALUE	jsivx	Janus Investment Fund: Perkins Small Cap Value Fund; Class L Shares
LARGE BLEND	NYVTX	Davis New York Venture Fund

Investment model portfolios

We provide two types of investment model portfolios for SEDGWICK CMS 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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