MDU RESOURCES GROUP INC. 401K RETIREMENT PLAN Investment Model Portfolios

Investment options of MDU RESOURCES GROUP INC. 401K RETIREMENT PLAN

Total Available Funds: 11

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Value	ABIAX	AllianceBernstein Trust: AllianceBernstein International Value Fund; Class A Shares
Foreign Large Blend	AEPGX	EuroPacific Growth Fund; Class A Shares

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Funds: Total Return Fund; Institutional Class Shares
Intermediate-Term Bond	MIXIX	MainStay Funds Trust: MainStay Indexed Bond Fund; Class I Shares
Intermediate-Term Bond	PTTAX	PIMCO Funds: Total Return Fund; Class A Shares
Inflation-Protected Bond	BPRAX	BlackRock Funds II: BlackRock Inflation Protected Bond Portfolio; Investor A Shares

Others
Moderate Allocation	DODBX	Dodge & Cox Funds: Dodge & Cox Balanced Fund

US EQUITY
SMALL VALUE	PCVAX	Allianz Funds: AllianzGI NFJ Small-Cap Value Fund; Class A Shares
LARGE BLEND	NYVTX	Davis New York Venture Fund
Mid-Cap Growth	ACRNX	Columbia Acorn Trust: Columbia Acorn Fund; Class Z Shares
LARGE GROWTH	AGTHX	Growth Fund of America

Investment model portfolios

We provide two types of investment model portfolios for MDU RESOURCES GROUP INC. 401K RETIREMENT 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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