RELIV` INTERNATIONAL, INC.401(k) PLAN Investment Model Portfolios

Investment options of RELIV` INTERNATIONAL, INC.401(k) PLAN

Total Available Funds: 12

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return INSTL Class
Inflation-Protected Bond	VIPSX	Vanguard Inflation Protected SEC

US EQUITY
SMALL VALUE	AVFIX	American Beacon Small Cap Val
MID-CAP BLEND	CRIMX	CRM Mid Cap Value Fund
LARGE GROWTH	RGAFX	Growth Fund of Amer R6
Mid-Cap Growth	TMGFX	Turner Midcap Growth Fund
Small Growth	PSGIX	Black Rock Sm Cap Growth Equity
LARGE VALUE	VWNAX	Vanguard Windsor II Admiral Shs.

INTERNATIONAL EQUITY
Foreign Large Blend	RERFX	EuroPacific Growth Fund R6

Others
ROOT	ISLCX	Schwab S P 500 Index Select S
Conservative Allocation	CAPAX	Federated Capital Preservation Fund

REAL ESTATE
Global Real Estate	IGLIX	ING Global Real Estate Fund

Investment model portfolios

We provide two types of investment model portfolios for RELIV` INTERNATIONAL, INC.401(k) 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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