ASHLAND INC EMPLOYEE SAVINGS PLAN
Investment Model Portfolios

Investment options of ASHLAND INC EMPLOYEE SAVINGS PLAN

Total Available Funds: 20

Asset Class

Ticker

Description

Others
Target Date 2016-2020	FFFDX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2020 Fund
Target Date 2026-2030	FFFEX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2030 Fund
Target Date 2036-2040	FFFFX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2040 Fund
Target Date 2026-2030	FFKEX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2030 Fund
Target Date 2016-2020	FFKDX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2020 Fund
Target Date 2021-2025	FFTWX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2025 Fund
Target Date 2036-2040	FFKFX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2040 Fund
Target Date 2041-2045	FFFGX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2045 Fund
Target Date 2000-2010	FFFCX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2010 Fund
Target Date 2011-2015	FKVFX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2015 Fund
Target Date 2021-2025	FKTWX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2025 Fund
Target Date 2011-2015	FFVFX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2015 Fund
Target Date 2046-2050	FFFHX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2050 Fund
Target Date 2031-2035	FKTHX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2035 Fund
Target Date 2000-2010	FFKCX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2010 Fund
Target Date 2031-2035	FFTHX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2035 Fund
Retirement Income	FFKAX	Fidelity Aberdeen Street Trust: Fidelity Freedom K Income Fund

US EQUITY
LARGE GROWTH	FCNKX	Fidelity Contrafund; Class K Shares
SMALL VALUE	PSVIX	Allianz Funds: AllianzGI NFJ Small-Cap Value Fund; Institutional Class Shares

INTERNATIONAL EQUITY
Foreign Large Blend	FIGRX	Fidelity Investment Trust: Fidelity International Discovery Fund

Investment model portfolios

We provide two types of investment model portfolios for ASHLAND INC EMPLOYEE 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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ASHLAND INC EMPLOYEE SAVINGS PLAN Investment Model Portfolios

Investment options of ASHLAND INC EMPLOYEE SAVINGS PLAN

Investment model portfolios

ASHLAND INC EMPLOYEE SAVINGS PLAN
Investment Model Portfolios