DESERET MUTUAL THRIFT PLAN 5/4 Investment Model Portfolios

Investment options of DESERET MUTUAL THRIFT PLAN 5/4

Total Available Funds: 13

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	VINIX	Vanguard Institutional Index Fund: Vanguard Institutional Index Fund; Institutional Shares
SMALL VALUE	SEVAX	Security Equity Fund: Mid Cap Value Series; Class A Shares
Mid-Cap Growth	TCMMX	Professionally Managed Portfolios: TCM Small-Mid Cap Growth Fund
SMALL VALUE	DFSVX	DFA Investment Dimensions Group Inc: US Small Cap Value Portfolio; Institutional Class Shares
Mid-Cap Growth	GGOAX	Goldman Sachs Trust: Goldman Sachs Growth Opportunities Fund; Class A Shares

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Funds: Total Return Fund; Institutional Class Shares
Short-Term Bond	VFSTX	Vanguard Fixed Income Securities Funds: Vanguard Short-Term Investment-Grade Fund; Investor Shares
Short-Term Bond	VSTBX	Vanguard Scottsdale Funds: Vanguard Short-Term Corporate Bond Index Fund; Institutional Class Class Shares
Inflation-Protected Bond	VIPSX	Vanguard Bond Index Funds: Vanguard Inflation-Protected Securities Fund; Investor Shares

Others
ROOT	VMRXX	Vanguard Money Market Reserves: Vanguard Prime Money Market Fund; Institutional Shares
ROOT	VUSXX	Vanguard Admiral Funds: Vanguard Admiral Treasury Money Market Fund; Investor Shares

INTERNATIONAL EQUITY
Foreign Large Value	BIIEX	Brandes Investment Trust: Brandes International Equity Fund; Class I Shares
Foreign Large Growth	WBIIX	William Blair Funds: Institutional International Growth Fund

Investment model portfolios

We provide two types of investment model portfolios for DESERET MUTUAL THRIFT PLAN 5/4 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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