AAA EAST PENN PROFIT SHARING 401K PLAN Investment Model Portfolios

Investment options of AAA EAST PENN PROFIT SHARING 401K PLAN

Total Available Funds: 20

Asset Class

Ticker

Description

Others
ROOT	SWNRX	Schwab Target 2050 Fund
ROOT	SWMRX	Schwab Target 2045 Fund
Target Date 2026-2030	SWDRX	Schwab Target 2030 Fund
ROOT	SWVXX	Schwab Value Advantage Money Inv
Target Date 2011-2015	SWGRX	Schwab Target 2015 Fund
Target Date 2016-2020	SWCRX	Schwab Target 2020 Fund
Target Date 2000-2010	SWBRX	Schwab Target 2010 Fund
Target Date 2036-2040	SWERX	Schwab Target 2040 Fund
Target Date 2021-2025	SWHRX	Schwab Target 2025 Fund
ROOT	SWORX	Schwab Target 2055 Fund
Target Date 2031-2035	SWIRX	Schwab Target 2035 Fund

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Total Return Instl

US EQUITY
LARGE BLEND	SWPPX	Schwab S&P 500 Index
MID-CAP BLEND	NMPAX	Columbia Mid Cap Index Z
LARGE VALUE	AAGPX	American Beacon Lg Cap Value Inv
LARGE VALUE	DODGX	Dodge & Cox Stock Fund
LARGE GROWTH	RGAEX	American Funds Growth Fund of America Class R-4

INTERNATIONAL EQUITY
Foreign Large Blend	REREX	American Funds EuroPacific Gr R4
Foreign Large Blend	DODFX	Dodge & Cox International Stock
Foreign Large Blend	HIINX	Harbor International Inv

Investment model portfolios

We provide two types of investment model portfolios for AAA EAST PENN PROFIT SHARING 401K 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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