Recreational Equipment Inc. Retirement and Profit Sharing Plan Investment Model Portfolios

Investment options of Recreational Equipment Inc. Retirement and Profit Sharing Plan

Total Available Funds: 16

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	VINIX	Vanguard Institutional Index Instl
LARGE BLEND	DNVYX	Davis NY Venture Y
SMALL BLEND	VSCIX	Vanguard Small Cap Index Instl
MID-CAP BLEND	CRIAX	CRM Small/Mid Cap Value Inst
Mid-Cap Growth	WFDSX	Wells Fargo Advantage Discovery Instl

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Total Return Instl

Others
ROOT	SM310	Schwab Mngd Ret Trust 2010 Cl III
ROOT	-	Vanguard Small Cap Index Fund
ROOT	SM340	Schwab Mngd Ret Trust 2040 Cl III
ROOT	SM350	Schwab Mngd Ret Trust 2050 Cl III
ROOT	SM330	Schwab Mngd Ret Trust 2030 Cl III
ROOT	WLCGR	Winslow Large Cap Growth R
ROOT	SM320	Schwab Mngd Ret Trust 2020 Cl III
ROOT	WGI35	Galliard Retirement Income Fund Class 35

INTERNATIONAL EQUITY
Foreign Large Blend	VDMAX	Vanguard Developed Markets Index Admiral
Foreign Large Blend	RERFX	American Funds EuroPacific Gr R5

Investment model portfolios

We provide two types of investment model portfolios for Recreational Equipment Inc. Retirement and Profit Sharing 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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