WILMINGTON TRUST THRIFT SAVINGS PLAN Investment Model Portfolios

Investment options of WILMINGTON TRUST THRIFT SAVINGS PLAN

Total Available Funds: 17

Asset Class

Ticker

Description

US EQUITY
LARGE GROWTH	FKGRX	Franklin Custodian Funds
SMALL VALUE	PCVAX	Allianz Funds: AllianzGI NFJ Small-Cap Value Fund; Class A Shares
LARGE BLEND	WMLIX	Wilmington Funds: Wilmington Large-Cap Strategy Fund; Institutional Shares
LARGE GROWTH	MLGIX	Wilmington Funds: Wilmington Large Cap Growth Fund; Institutional Class Shares
LARGE GROWTH	EQPGX	Fidelity Advisor Series I: Fidelity Advisor Equity Growth Fund; Institutional Class Shares
Small Growth	RYVPX	Royce Fund: Royce Value Plus Fund; Service Class Shares
LARGE BLEND	JUEAX	JPMorgan Trust I: JPMorgan US Equity Fund; Class A Shares

Others
Conservative Allocation	WMRIX	Wilmington Funds: Wilmington Multi-Manager Real Asset Fund; Institutional Shares
Moderate Allocation	RLBEX	American Balanced Fund; Class R-4 Shares
Multialternative	WRAAX	Wilmington Funds: Wilmington Rock Maple Alternatives Fund; Class A Shares
Multialternative	WRAIX	Wilmington Funds: Wilmington Rock Maple Alternatives Fund; Class I Shares
Conservative Allocation	WMMRX	Wilmington Funds: Wilmington Multi-Manager Real Asset Fund; Class A Shares

FIXED INCOME
SHORT GOVERNMENT	GVLDX	Wilmington Funds: Wilmington Short Duration Government Bond Fund; Institutional Class Shares
SHORT GOVERNMENT	ASTTX	Wilmington Funds: Wilmington Short Duration Government Bond Fund; Class A Shares
Intermediate Government	MFGHX	MFS Series Trust XIII: MFS Government Securities Fund; Class R3 Shares
Inflation-Protected Bond	ACITX	American Century Government Income Trust: Inflation-Adjusted Bond Fund; Investor Class Shares

INTERNATIONAL EQUITY
Foreign Large Blend	REREX	EuroPacific Growth Fund; Class R-4 Shares

Investment model portfolios

We provide two types of investment model portfolios for WILMINGTON TRUST THRIFT 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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