Harman International Industries Inc. Retirement Savings Plan Investment Model Portfolios

Investment options of Harman International Industries Inc. Retirement Savings Plan

Total Available Funds: 16

Asset Class

Ticker

Description

US EQUITY
Small Growth	GTSIX	Invesco Small Cap Growth Inv
LARGE GROWTH	TRBCX	T. Rowe Price Blue Chip Growth
SMALL BLEND	LRSCX	Lord Abbett Small Cap Value A
Mid-Cap Growth	NMANX	Neuberger Berman Mid Cap Growth Inv
LARGE VALUE	LSVRX	Loomis Sayles Value A
LARGE VALUE	LSGIX	Loomis Sayles Value Y
Mid-Cap Growth	PEEAX	Prudential Jennison Mid Cap Growth A
Small Growth	GTSVX	Invesco Small Cap Growth I
Mid-Cap Growth	PEGZX	Prudential Jennison Mid Cap Growth Z
MID-CAP VALUE	JMCVX	Perkins Mid Cap Value T

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Total Return Instl
Intermediate-Term Bond	VBMFX	Vanguard Total Bond Market Index Inv

INTERNATIONAL EQUITY
Foreign Large Growth	AIIEX	Invesco International Growth A
Foreign Large Blend	AEPGX	American Funds EuroPacific Gr A
Foreign Large Blend	HAINX	Harbor International Instl
Foreign Large Blend	HIINX	Harbor International Inv

Investment model portfolios

We provide two types of investment model portfolios for Harman International Industries Inc. Retirement Savings 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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