Davey Tree Expert Company 401 Ksop and Esop The Investment Model Portfolios

Investment options of Davey Tree Expert Company 401 Ksop and Esop The

Total Available Funds: 10

Asset Class

Ticker

Description

Others
Target Date 2016-2020	WFDTX	Wells Fargo Advantage DJ Target 2020 Inv
Target Date 2026-2030	WFETX	Wells Fargo Advantage DJ Target 2030 Inv
Target Date 2036-2040	WFFTX	Wells Fargo Advantage DJ Target 2040 Inv
Target Date 2021-2025	WFGYX	Wells Fargo Advantage DJ Target 2025 Inv
Retirement Income	STWRX	Wells Fargo Advantage DJ Target Today A
Target Date 2000-2010	WFCTX	Wells Fargo Advantage DJ Target 2010 Inv
Target Date 2046-2050	WFQGX	Wells Fargo Advantage DJ Target 2050 Inv
Target Date 2041-2045	WFQSX	Wells Fargo Advantage DJ Target 2045 Inv
Target Date 2031-2035	WFQTX	Wells Fargo Advantage DJ Target 2035 Inv
Target Date 2011-2015	WFQEX	Wells Fargo Advantage DJ Target 2015 Inv

Investment model portfolios

We provide two types of investment model portfolios for Davey Tree Expert Company 401 Ksop and Esop The 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.

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