slipjigman UPMC 403(B) RETIREMENT SAVINGS PLAN Investment Model Portfolios

UPMC 403(b) Retirement Savings Plan is a defined contribution plan.

Investment options of slipjigman UPMC 403(B) RETIREMENT SAVINGS PLAN

Total Available Funds: 26

Asset Class

Ticker

Description

REAL ESTATE
REAL ESTATE	TRRSX	TIAA Real Estate Fund

US EQUITY
LARGE BLEND	TIEIX	CREF Stock Fund
LARGE GROWTH	TRIRX	CREF Growth Fund
LARGE GROWTH	FMAGX	Fidelity Magellan
LARGE GROWTH	FDGRX	Fidelity Growth Company
LARGE BLEND	FGRIX	Fidelity Growth & Income
LARGE VALUE	VWNFX	Vanguard Windsor II Fund Investor Shares
LARGE BLEND	VFINX	Vanguard 500 Index Fund Investor Shares
Small Growth	VEXPX	Vanguard Explorer Fund Investor Shares
LARGE GROWTH	VWUSX	Vanguard U.S. Growth Fund Investor Shares

INTERNATIONAL EQUITY
Foreign Large Blend	TRIEX	CREF Global Fund
Foreign Large Blend	FOSFX	Fidelity Overseas
Foreign Large Blend	VWIGX	Vanguard Internation Growth Fund Investor Shares

FIXED INCOME
Inflation-Protected Bond	TIILX	CREF Inflation-Linked Bond Fund
Intermediate-Term Bond	FTHRX	Fidelity Interm Bond
Short-Term Bond	FSHBX	Fidelity Short Term Bond
Intermediate Government	VFIIX	Vanguard Gnma Fund Investor Shares
High Yield Bond	VWEHX	Vanguard High-Yield Corporate Fund Investor Shares
SHORT GOVERNMENT	VFISX	Vanguard Short-Term Treasury Fund Investor Shares

Others
Moderate Allocation	FASMX	Fidelity Asset Mgr 50%
Moderate Allocation	FASGX	Fidelity Asset Mgr 70%
Conservative Allocation	FASIX	Fidelity Asset Mgr 20%
ROOT	CASH	Fidelity Retirement Money Market
Moderate Allocation	VWELX	Vanguard Wellington Fund Investor Shares
Moderate Allocation	VAAPX	Vanguard Asset Allocation Fund Investor Shares
Conservative Allocation	VWINX	Vanguard Wellesley Income Fund Investor Shares

Investment model portfolios

We provide two types of investment model portfolios for slipjigman UPMC 403(B) 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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