Merrill Lynch and Co. Inc. 401 K Savings and Investment Plan Investment Model Portfolios

Investment options of Merrill Lynch and Co. Inc. 401 K Savings and Investment Plan

Total Available Funds: 24

Asset Class

Ticker

Description

US EQUITY
Mid-Cap Growth	HAMGX	Harbor Mid Cap Growth Instl
LARGE GROWTH	TRLGX	T. Rowe Price Instl Large Cap Growth
SMALL BLEND	LMBMX	Legg Mason Batterymarch US Sm Cap Eq IS
LARGE VALUE	MABAX	BlackRock Basic Value Instl
Small Growth	ARTSX	Artisan Small Cap Investor
LARGE BLEND	VIIIX	Vanguard Institutional Index Instl Pl
MID-CAP BLEND	VEMPX	Vanguard Extended Market Idx Instl Plus
LARGE VALUE	MDDVX	BlackRock Equity Dividend Inv A
LARGE VALUE	DODGX	Dodge & Cox Stock
LARGE GROWTH	MDFGX	BlackRock Capital Appreciation Inv A
LARGE GROWTH	AGTHX	American Funds Growth Fund of Amer A

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Total Return Instl
Inflation-Protected Bond	VIPIX	Vanguard Inflation-Protected Secs Instl
Intermediate-Term Bond	WACSX	Western Asset Core Bond IS
Intermediate-Term Bond	VBMPX	Vanguard Total Bond Market Idx Instl Pls

Others
World Allocation	PAAIX	PIMCO All Asset Instl
ROOT	BACSTK	BAC COM STK FUND
Moderate Allocation	MACPX	BlackRock Balanced Capital Instl
ROOT	MLPXX	Funds For Institutions Series: FFI Premier Institutional Fund
ROOT	MLPXT	FFI PREMIER INSTITUTIONAL FUND
World Allocation	MALOX	BlackRock Global Allocation Instl
World Allocation	MDLOX	BlackRock Global Allocation Inv A

INTERNATIONAL EQUITY
Foreign Large Blend	VTPSX	Vanguard Total Intl Stock Idx Instl Pls
Foreign Large Value	TFEQX	Templeton Instl Foreign Eq Ser Primary

Investment model portfolios

We provide two types of investment model portfolios for Merrill Lynch and Co. Inc. 401 K Savings and Investment 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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