Career Education Corporation 401(k) Plan Investment Model Portfolios

Investment options of Career Education Corporation 401(k) Plan

Total Available Funds: 21

Asset Class

Ticker

Description

Others
Moderate Allocation	VWENX	Vanguard Wellington Adm
ROOT	UTIXX	Federated US Treasury Cash Reserves I
ROOT	-	Target Retirement 2055
ROOT	IVAS20	INVESCO Stable Value Fund

US EQUITY
LARGE GROWTH	RAFGX	American Funds AMCAP R6
LARGE BLEND	FUSEX	Fidelity Spartan 500 Index Inv
MID-CAP VALUE	FLMVX	JPMorgan Mid Cap Value Instl
Mid-Cap Growth	ACRNX	Columbia Acorn Z
SMALL BLEND	VSCIX	Vanguard Small Cap Index Instl
LARGE VALUE	PRFDX	T. Rowe Price Equity Income
Small Growth	CMSCX	Columbia Small Cap Growth I Z
MID-CAP BLEND	VMCIX	Vanguard Mid Cap Index Ins
SMALL VALUE	AVFIX	American Beacon Small Cp Val Inst

FIXED INCOME
Intermediate-Term Bond	VBIMX	Vanguard Interm-Term Bond Index Inst
Inflation-Protected Bond	VIPSX	Vanguard Inflation-Protected Secs Inv
Intermediate Government	SGVIX	Wells Fargo Advantage Government Sec I
High Yield Bond	FVHIX	Franklin High Income Adv

Emerging Market
DIVERSIFIED EMERGING MKTS	HIEMX	Virtus Emerging Markets Opportunities I

INTERNATIONAL EQUITY
Foreign Large Blend	BISIX	BlackRock International Opp Instl
Foreign Large Blend	OIDYX	Oppenheimer International Diversified Y

REAL ESTATE
REAL ESTATE	VGRSX	Vanguard REIT Index Signal

Investment model portfolios

We provide two types of investment model portfolios for Career Education Corporation 401(k) 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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