ZF GROUP NORTH AMERICAN OPERATIONS and AFFILIATED COMPANIES 401K AND RETIREMENT PLAN TRUST Investment Model Portfolios

Investment options of ZF GROUP NORTH AMERICAN OPERATIONS and AFFILIATED COMPANIES 401K AND RETIREMENT PLAN TRUST

Total Available Funds: 19

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	FDIVX	Fidelity Investment Trust: Fidelity Diversified International Fund
Foreign Large Growth	UMBWX	Scout Funds: Scout International Fund
Foreign Large Blend	FSIIX	Fidelity Concord Street Trust: Spartan International Index Fund; Investor Class Shares
Foreign Large Blend	JETAX	Artio Global Investment Funds: Artio International Equity Fund II; Class A Shares

Emerging Market
China Region	GOPAX	Aberdeen Funds: Aberdeen China Opportunities Fund; Class A Shares
China Region	DPCAX	Dreyfus Premier Investment Funds
China Region	MCHFX	Matthews International Funds: Matthews China Fund; Investor Class Shares

US EQUITY
MID-CAP BLEND	FLPSX	Fidelity Puritan Trust: Fidelity Low-Priced Stock Fund
LARGE GROWTH	TCRAX	American Century Mutual Funds
SMALL VALUE	AVFIX	American Beacon Funds: American Beacon Small Cap Value Fund; Institutional Class Shares
Mid-Cap Growth	BUFMX	Buffalo Funds: Buffalo Mid Cap Fund
Small Growth	HSCYX	Hartford Mutual Funds
LARGE VALUE	DODGX	Dodge & Cox Funds: Dodge & Cox Stock Fund
LARGE BLEND	FXSIX	Fidelity Concord Street Trust: Spartan 500 Index Fund; Institutional Class Shares

Others
Moderate Allocation	DODBX	Dodge & Cox Funds: Dodge & Cox Balanced Fund
Target Date 2000-2010	FFKCX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2010 Fund
Retirement Income	FFKAX	Fidelity Aberdeen Street Trust: Fidelity Freedom K Income Fund
Target Date 2000-2010	FFKBX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2000 Fund

FIXED INCOME
High Yield Bond	FAGIX	Fidelity Summer Street Trust: Fidelity Capital & Income Fund

Investment model portfolios

We provide two types of investment model portfolios for ZF GROUP NORTH AMERICAN OPERATIONS and AFFILIATED COMPANIES 401K AND RETIREMENT PLAN TRUST 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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