Paden2022 THE HOME DEPOT FUTUREBUILDER Investment Model Portfolios

Investment options of Paden2022 THE HOME DEPOT FUTUREBUILDER

Total Available Funds: 13

Asset Class

Ticker

Description

US EQUITY
US EQUITY	HD	The Home Depot Inc.Plan sponsor Employees deferral not deposited to Plan in a timely manner
LARGE BLEND	JPSAX	JP Morgan Stable Value
Mid-Cap Growth	TMDIX	TimesSquare Mid-Cap Growth Strategy Fund
LARGE BLEND	WFSPX	BGI Equity Index Stock Fund
LARGE VALUE	DODGX	Dodge & Cox Stock Fund
SMALL BLEND	OTCFX	T. Rowe Price Small-Cap Stock Fund

INTERNATIONAL EQUITY
Foreign Large Value	DODFX	Dodge & Cox International Stock Fund

Others
Retirement Income	STLAX	BGI LifePath Portfolios
EQUITY	NTRS	The Northern Trust Company Coltv
ROOT	SWIPX	Schwab PCRA Personal Choice Retirement Accounts
ROOT	CASH	Money market substitute

FIXED INCOME
Intermediate-Term Bond	WFBIX	BGI U.S. Debt Index Fund
Short-Term Bond	VFSTX	Short-Term Investment Fund

Investment model portfolios

We provide two types of investment model portfolios for Paden2022 THE HOME DEPOT FUTUREBUILDER 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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