STERLING JEWELERS INC. 401K RETIREMENT SAVINGS PLAN AND TRUST Investment Model Portfolios

Investment options of STERLING JEWELERS INC. 401K RETIREMENT SAVINGS PLAN AND TRUST

Total Available Funds: 10

Asset Class

Ticker

Description

Others
Moderate Allocation	DODBX	Dodge & Cox Funds: Dodge & Cox Balanced Fund

US EQUITY
LARGE VALUE	PAFDX	T Rowe Price Equity Income Fund
SMALL BLEND	ASCIX	American Beacon Funds: American Beacon Small Cap Index Fund; Institutional Class Shares
MID-CAP VALUE	TRMCX	T Rowe Price Mid-Cap Value Fund
Small Growth	VEXPX	Vanguard Explorer Fund; Investor Shares
Mid-Cap Growth	FIIAX	Fidelity Advisor Series I: Fidelity Advisor Mid Cap II Fund; Class A Shares

FIXED INCOME
Intermediate-Term Bond	PTRAX	PIMCO Funds: Total Return Fund; Administrative Class Shares

INTERNATIONAL EQUITY
Foreign Large Blend	REREX	EuroPacific Growth Fund; Class R-4 Shares
Foreign Large Value	AAIEX	American Beacon Funds: American Beacon International Equity Fund; Institutional Class Shares
Foreign Large Blend	DIISX	Dreyfus Index Funds

Investment model portfolios

We provide two types of investment model portfolios for STERLING JEWELERS INC. 401K RETIREMENT SAVINGS PLAN AND TRUST 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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