BAKER 401K PLAN Investment Model Portfolios

Investment options of BAKER 401K PLAN

Total Available Funds: 18

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	FIDKX	Fidelity Investment Trust: Fidelity International Discovery Fund; Class K Shares
WORLD STOCK	RNPFX	New Perspective Fund; Class R-5 Shares
Foreign Large Blend	FIGRX	Fidelity Investment Trust: Fidelity International Discovery Fund

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Funds: Total Return Fund; Institutional Class Shares
Intermediate-Term Bond	PTTAX	PIMCO Funds: Total Return Fund; Class A Shares

Others
Target Date 2016-2020	FFFDX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2020 Fund
Target Date 2026-2030	FFFEX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2030 Fund
Target Date 2036-2040	FFFFX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2040 Fund
Target Date 2021-2025	FFTWX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2025 Fund
Moderate Allocation	DODBX	Dodge & Cox Funds: Dodge & Cox Balanced Fund
Target Date 2031-2035	FFTHX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2035 Fund

US EQUITY
LARGE BLEND	FUSEX	Fidelity Concord Street Trust: Spartan 500 Index Fund; Investor Class Shares
LARGE VALUE	PRFDX	T Rowe Price Equity Income Fund
LARGE GROWTH	FDGRX	Fidelity Mt Vernon Street Trust: Fidelity Growth Company Fund
SMALL BLEND	LSSCX	Loomis Sayles Funds I: Loomis Sayles Small Cap Value Fund; Institutional Class
LARGE GROWTH	FCNTX	Fidelity Contrafund
Small Growth	IHSAX	Hartford Mutual Funds
LARGE GROWTH	RGAFX	Growth Fund of America

Investment model portfolios

We provide two types of investment model portfolios for BAKER 401K 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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