NATIONAL PENN BANCSHARES, INC.CAPITAL ACCUMULATION PLAN Investment Model Portfolios

Investment options of NATIONAL PENN BANCSHARES, INC.CAPITAL ACCUMULATION PLAN

Total Available Funds: 15

Asset Class

Ticker

Description

FIXED INCOME
Intermediate Government	PGVAX	Prudential Guaranteed Income Fund

Others
ROOT	unknow	Pacific Investment Management Co LLC
ROOT	unknow	Allianz Global Inv Fund Management LLC
ROOT	unknow	National Penn Bancshares, Inc.*
ROOT	unknow	Capital Research and Management Company - Growth
ROOT	unknow	Capital Research and Management Company- Blended
ROOT	unknow	Self-Directed Brokerage
ROOT	unknow	Institutional Advisors LargeCap Fund

US EQUITY
LARGE BLEND	PDSIX	Dryden S&P 500 Index Fund
LARGE GROWTH	RGABX	Growth Fund of America R4
MID-CAP BLEND	VSPIX	Victory Capital Management Special Value fund
MID-CAP BLEND	CRIMX	Cramer Rosenthal McGlynn Mid Cap Stock Value fund
SMALL BLEND	ATASX	Aston Tamro Small Cap fund
Mid-Cap Growth	TMDIX	Times Square Mid Cap Stock Growth fund
Small Growth	FCIGX	FAF Advisors Small Cap Growth fund

Investment model portfolios

We provide two types of investment model portfolios for NATIONAL PENN BANCSHARES, INC.CAPITAL ACCUMULATION 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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