CARLE PROFIT SHARING PLAN Investment Model Portfolios

Investment options of CARLE PROFIT SHARING PLAN

Total Available Funds: 15

Asset Class

Ticker

Description

US EQUITY
Mid-Cap Growth	FMCSX	Fidelity Commonwealth Trust: Fidelity Mid-Cap Stock Fund
MID-CAP BLEND	FSLCX	Fidelity Commonwealth Trust: Fidelity Small Cap Stock Fund
LARGE GROWTH	FCNKX	Fidelity Contrafund; Class K Shares
LARGE VALUE	ACSTX	AIM Sector Funds (Invesco Sector Funds): Invesco Comstock Fund; Class A Shares
MID-CAP VALUE	ARTQX	Artisan Partners Funds

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 2000-2010	FFFVX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2005 Fund
Target Date 2000-2010	FFFBX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2000 Fund
Target Date 2000-2010	FFFCX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2010 Fund
Retirement Income	FFFAX	Fidelity Aberdeen Street Trust: Fidelity Freedom Income Fund
Target Date 2011-2015	FFVFX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2015 Fund
Moderate Allocation	FBALX	Fidelity Puritan Trust: Fidelity Balanced Fund

INTERNATIONAL EQUITY
Foreign Large Blend	FDIKX	Fidelity Investment Trust: Fidelity Diversified International Fund; Class K Shares

Investment model portfolios

We provide two types of investment model portfolios for CARLE PROFIT SHARING 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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