Stewart Salary Deferral Plan Investment Model Portfolios

Investment options of Stewart Salary Deferral Plan

Total Available Funds: 18

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	MBFAX	Wells Fargo Bond Index Fund
SHORT GOVERNMENT	GSSDX	Goldman Sachs Funds Short Duration Government Fund Class I
SHORT GOVERNMENT	MSDAX	Wells Fargo Short Term Investment Fund

Others
ROOT	CASH	Wells Fargo Adv Cash Investment Money Mkt Fund Class I
Target Date 2000-2010	WFOAX	Wells Fargo Dow Jones Target 2010 Fund I
Target Date 2016-2020	WFOBX	Wells Fargo Dow Jones Target 2020 Fund I
Target Date 2026-2030	WFOOX	Wells Fargo Dow Jones Target 2030 Fund I
Target Date 2036-2040	WFOSX	Wells Fargo Dow Jones Target 2040 Fund I
Target Date 2050+	WFQFX	Wells Fargo Dow Jones Target 2050 Fund I
Retirement Income	WFBTX	Wells Fargo Dow Jones Target Today Fund I
ROOT	CASH	Wells Fargo Money Mkt Service Fund

US EQUITY
LARGE BLEND	WFIOX	Wells Fargo Adv Index Fund Admin
Small Growth	GTSVX	AIM Small Cap Growth Fund Class I
LARGE VALUE	DODGX	Dodge Cox Stock Fund
SMALL BLEND	DISSX	Dreyfus Small Cap Stock Index Fund
SMALL VALUE	GSSIX	Goldman Sachs Funds Small Cap Value Fund
LARGE GROWTH	JARTX	Janus Funds Forty Fund

INTERNATIONAL EQUITY
Foreign Large Blend	FSIIX	Fidelity Spartan International Fund

Investment model portfolios

We provide two types of investment model portfolios for Stewart Salary Deferral 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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