SAVINGS PROGRAM FOR EMPLOYEES OF CERTAIN EMPLOYERS AT THE U.S. DEPARTMENT OF ENERGY FACILITIES AT OAK RIDGE TENNESSEE Investment Model Portfolios

Investment options of SAVINGS PROGRAM FOR EMPLOYEES OF CERTAIN EMPLOYERS AT THE U.S. DEPARTMENT OF ENERGY FACILITIES AT OAK RIDGE TENNESSEE

Total Available Funds: 9

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
WORLD STOCK	ANWPX	New Perspective Fund; Class A Shares
Foreign Large Blend	AEPGX	EuroPacific Growth Fund; Class A Shares

US EQUITY
SMALL VALUE	GSSIX	Goldman Sachs Trust: Goldman Sachs Small Cap Value Fund; Institutional Shares
LARGE BLEND	AIVSX	Investment Company of America; Class A Shares
LARGE VALUE	NFJEX	Allianz Funds: AllianzGI NFJ Dividend Value Fund; Institutional Class Shares
SMALL BLEND	SSMVX	Wells Fargo Funds Trust: Wells Fargo Advantage Small Cap Value Fund; Investor Class Shares
LARGE GROWTH	AGTHX	Growth Fund of America

FIXED INCOME
Intermediate-Term Bond	WTRZX	Wells Fargo Funds Trust: Wells Fargo Advantage Core Bond Fund; Investor Class Shares

Others
Moderate Allocation	ABALX	American Balanced Fund; Class A Shares

Investment model portfolios

We provide two types of investment model portfolios for SAVINGS PROGRAM FOR EMPLOYEES OF CERTAIN EMPLOYERS AT THE U.S. DEPARTMENT OF ENERGY FACILITIES AT OAK RIDGE TENNESSEE 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.

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