BROWN AND CALDWELL SAVINGS PLAN Investment Model Portfolios

Investment options of BROWN AND CALDWELL SAVINGS PLAN

Total Available Funds: 20

Asset Class

Ticker

Description

Others
Technology	WSTAX	Ivy Funds: Ivy Science & Technology Fund; Class A Shares
Target Date 2016-2020	FFFDX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2020 Fund
Target Date 2026-2030	FFFEX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2030 Fund
Target Date 2036-2040	FFFFX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2040 Fund
Target Date 2000-2010	FFFVX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2005 Fund
Target Date 2021-2025	FFTWX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2025 Fund
Target Date 2041-2045	FFFGX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2045 Fund
Moderate Allocation	ACOAX	American Century Strategic Asset Allocations
Target Date 2000-2010	FFFCX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2010 Fund
Target Date 2011-2015	FFVFX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2015 Fund
Target Date 2046-2050	FFFHX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2050 Fund
Conservative Allocation	ACCAX	American Century Strategic Asset Allocations
Aggressive Allocation	ACVAX	American Century Strategic Asset Allocations
Target Date 2031-2035	FFTHX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2035 Fund

US EQUITY
LARGE VALUE	RWMFX	Washington Mutual Investors Fund; Class R-5 Shares
Mid-Cap Growth	ATHAX	American Century Mutual Funds
SMALL VALUE	ACSCX	American Century Capital Portfolios
LARGE BLEND	NYVTX	Davis New York Venture Fund

REAL ESTATE
REAL ESTATE	FREAX	Nuveen Investment Funds

FIXED INCOME
Intermediate-Term Bond	PTTAX	PIMCO Funds: Total Return Fund; Class A Shares

Investment model portfolios

We provide two types of investment model portfolios for BROWN AND CALDWELL 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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