DNB FIRST 401(k) RETIREMENT PLAN Investment Model Portfolios

Investment options of DNB FIRST 401(k) RETIREMENT PLAN

Total Available Funds: 33

Asset Class

Ticker

Description

US EQUITY
LARGE VALUE	AAGPX	American Beacon Advisors American Beacon Large Cap Value
Mid-Cap Growth	ACRNX	Columbia Acorn FD class Z
MID-CAP VALUE	NAMAX	Columbia Mid Cap Value Z
Small Growth	CMSCX	Columbia Small Cap Growth I class Z
SMALL VALUE	NSVAX	Columbia Small Cap Value II
LARGE GROWTH	AGTHX	The American Funds Growth Fund of Amer FDS
LARGE BLEND	REAAX	Russell EQ Aggressive Strategy Fund class S
LARGE BLEND	VASGX	Vanguard LifeStrategy Growth
MID-CAP BLEND	VIMSX	Vanguard Mid Capitalization Index
LARGE BLEND	VFINX	Vanguard 500 Index Fund Investor SHS
SMALL BLEND	NAESX	Vanguard Small Cap Index

FIXED INCOME
Intermediate-Term Bond	RBFFX	The American Funds American FD Bond Fund of Amer
WORLD BOND	RCWFX	The American Funds Capital World Bond Fund class R5
Intermediate-Term Bond	PTTDX	Pacific Investment Management Company LLC Pimco Total Return D
Short-Term Bond	VBISX	Vanguard Bond Index Short Term
Intermediate-Term Bond	VBMFX	Vanguard Total Bond Mkt Index

INTERNATIONAL EQUITY
Foreign Large Blend	RERFX	The American Funds American Europacific Growth Fund R5
Foreign Large Blend	VGTSX	Vanguard Total International Stock Index

Emerging Market
DIVERSIFIED EMERGING MKTS	FEMKX	Fidelity Investments Fidelity Emerging Mkts

REAL ESTATE
REAL ESTATE	RRESX	Frank Russell Real Estate Securities Fund

Others
unknown	unknown	Russell Aggressive Strategy Fund class S
Moderate Allocation	RBLAX	Russell Balanced Strategy Fund class S
Conservative Allocation	RCLSX	Russell Conservative Strategy class S
Conservative Allocation	RMLAX	Russell Moderate Strategy Fund
Retirement Income	SWARX	Schwab rtmt Adv MM
ROOT	CASH	Schwab Investor Money Fund
Target Date 2016-2020	TRRBX	T Rowe Price rtmt 2020
Target Date 2026-2030	TRRCX	T Rowe Price rtmt 2030
Target Date 2036-2040	TRRDX	T Rowe Price rtmt 2040
Target Date 2050+	TRRMX	T Rowe Price rtmt 2050
Moderate Allocation	VSMGX	Vanguard LifeStrategy Moderate Growth Fund
Conservative Allocation	VASIX	Vanguard LS Income Fund
Conservative Allocation	VSCGX	Vanguard LS Conservative Growth Fund

Investment model portfolios

We provide two types of investment model portfolios for DNB FIRST 401(k) RETIREMENT 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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