ATH RETIREMENT PLAN AND TRUST Investment Model Portfolios

Investment options of ATH RETIREMENT PLAN AND TRUST

Total Available Funds: 14

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	VCVLX	Vanguard Malvern Funds: Vanguard Capital Value Fund; Investor Shares
LARGE BLEND	FDGFX	Fidelity Securities Fund: Fidelity Dividend Growth Fund
LARGE VALUE	GCVIX	Goldman Sachs Trust: Goldman Sachs Structured Large Cap Value Fund; Institutional Shares
LARGE BLEND	VFINX	Vanguard Index Funds: Vanguard 500 Index Fund; Investor Shares
LARGE BLEND	NYVTX	Davis New York Venture Fund
LARGE GROWTH	BLUEX	Brandywine Blue Fund
LARGE GROWTH	FDCAX	Fidelity Capital Trust: Fidelity Capital Appreciation Fund
LARGE GROWTH	FCNTX	Fidelity Contrafund
Small Growth	BSCFX	Baron Investment Funds Trust: Baron Small Cap Fund; Retail Shares
MID-CAP VALUE	FDVLX	Fidelity Capital Trust: Fidelity Value Fund

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

Others
Convertibles	VCVSX	Vanguard Convertible Securities Fund; Investor Shares
Moderate Allocation	FBALX	Fidelity Puritan Trust: Fidelity Balanced Fund

Emerging Market
DIVERSIFIED EMERGING MKTS	VEIEX	Vanguard International Equity Index Funds: Vanguard Emerging Markets Stock Index Fund; Investor Class Shares

Investment model portfolios

We provide two types of investment model portfolios for ATH RETIREMENT PLAN AND TRUST 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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