LUTRON RETIREMENT PLAN Investment Model Portfolios

Investment options of LUTRON RETIREMENT PLAN

Total Available Funds: 14

Asset Class

Ticker

Description

Others
Moderate Allocation	RPBAX	T Rowe Price Balanced Fund

INTERNATIONAL EQUITY
Foreign Large Blend	ARTIX	Artisan Partners Funds
Foreign Small/Mid Value	FINEX	Franklin Templeton International Trust: Templeton Foreign Smaller Companies Fund; Class A Shares
Foreign Large Value	VTRIX	Vanguard Trustees' Equity Fund: Vanguard International Value Fund; Investor Shares
Foreign Large Blend	DODFX	Dodge & Cox Funds: Dodge & Cox International Stock Fund
Foreign Small/Mid Value	TFSCX	Templeton Institutional Funds: Foreign Smaller Companies Series

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Funds: Total Return Fund; Institutional Class Shares
Muni National Interm	SBTYX	Legg Mason Partners Income Trust: Western Asset Intermediate-Term Municipals Fund; Class I Shares
Muni National Interm	SBLTX	Legg Mason Partners Income Trust: Western Asset Intermediate-Term Municipals Fund; Class A Shares

US EQUITY
LARGE GROWTH	TRBCX	T Rowe Price Blue Chip Growth Fund
LARGE VALUE	LSVRX	Loomis Sayles Funds II: Natixis Loomis Sayles Value Fund; Class A Shares
LARGE VALUE	PRFDX	T Rowe Price Equity Income Fund
LARGE VALUE	LSVBX	Loomis Sayles Funds II: Natixis Loomis Sayles Value Fund; Class B Shares

Emerging Market
DIVERSIFIED EMERGING MKTS	ODMAX	Oppenheimer Developing Markets Fund; Class A Shares

Investment model portfolios

We provide two types of investment model portfolios for LUTRON RETIREMENT 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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