TESORO CORPORATION THRIFT PLAN Investment Model Portfolios

Investment options of TESORO CORPORATION THRIFT PLAN

Total Available Funds: 19

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIM TOTAL RT INST
Intermediate-Term Bond	PTRAX	PIMCO Funds: Total Return Fund; Administrative Class Shares
Intermediate Government	FGOVX	Fidelity Income Fund: Fidelity Government Income Fund
Inflation-Protected Bond	AIANX	AMCENT INFL ADJBD IS
Intermediate-Term Bond	VBTIX	VANG TOT BD MKT INST

INTERNATIONAL EQUITY
Foreign Large Blend	FSPNX	SPTN INTL INDEX INS

US EQUITY
LARGE GROWTH	FCNKX	FID CONTRAFUND K
LARGE VALUE	AADEX	American Beacon Funds: American Beacon Large Cap Value Fund; Institutional Class Shares
SMALL BLEND	LRSCX	Lord Abbett Research Fund
MID-CAP BLEND	WHGMX	WW SMID CAP INST
Mid-Cap Growth	ASMZX	ALGER SMIDCAP GRTH Z
LARGE BLEND	FUSVX	Fidelity Concord Street Trust: Spartan 500 Index Fund; Fidelity Advantage Class Shares
MID-CAP BLEND	FLPSX	Fidelity Puritan Trust: Fidelity Low-Priced Stock Fund
SMALL VALUE	RYPNX	Royce Fund: Royce Opportunity Fund; Investment Class Shares
MID-CAP BLEND	FLVCX	Fidelity Securities Fund: Fidelity Leveraged Company Stock Fund
LARGE BLEND	RFNFX	Fundamental Investors
LARGE BLEND	FXSIX	SPTN 500 INDEX INST
MID-CAP VALUE	FDVLX	Fidelity Capital Trust: Fidelity Value Fund

Others
Target Date 2046-2050	FIPFX	FID FRDM INDX 2050 W

Investment model portfolios

We provide two types of investment model portfolios for TESORO CORPORATION THRIFT 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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