AVAYA INC. SAVINGS PLAN FOR SALARIED EMPLOYEES Investment Model Portfolios

Investment options of AVAYA INC. SAVINGS PLAN FOR SALARIED EMPLOYEES

Total Available Funds: 11

Asset Class

Ticker

Description

FIXED INCOME
Short-Term Bond	JASBX	Janus Investment Fund: Janus Short-Term Bond Fund; Class T Shares

US EQUITY
LARGE VALUE	SWDSX	Schwab Capital Trust: Schwab Dividend Equity Fund
LARGE VALUE	TGIGX	TCW Funds
Small Growth	RYVPX	Royce Fund: Royce Value Plus Fund; Service Class Shares
LARGE VALUE	VIVAX	Vanguard Index Funds: Vanguard Value Index Fund; Investor Shares
MID-CAP BLEND	SOPFX	Wells Fargo Funds Trust: Wells Fargo Advantage Opportunity Fund; Investor Class Shares
Mid-Cap Growth	RPMGX	T Rowe Price Mid-Cap Growth Fund
SMALL VALUE	WBVDX	William Blair Funds: Small Cap Value Fund; Class N Shares

INTERNATIONAL EQUITY
Foreign Small/Mid Blend	OAKEX	Harris Associates Investment Trust: Oakmark International Small Cap Fund; Class I Shares

Others
Moderate Allocation	VGSTX	Vanguard STAR Funds: Vanguard STAR Fund; Investor Shares
Natural Resources	PRNEX	T Rowe Price New Era Fund

Investment model portfolios

We provide two types of investment model portfolios for AVAYA INC. SAVINGS PLAN FOR SALARIED EMPLOYEES 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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