THE M PLAN
Investment Model Portfolios

Total Available Funds: 22

Asset Class

Ticker

Description

Others
unknwon	unknwon	Bank of Amer N.A. Equity Index Tr XIII
unknwon	unknwon	Bank of Amer N.A. rtmt Preservation Tr
Moderate Allocation	OAKBX	The Oakmark Funds The Oakmark Equity Income Fund
Retirement Income	MTDIX	Manning Napier Manning Napier rtmt Target Income
Target Date 2016-2020	MTNIX	Manning Napier Manning Napier rtmt Target 2020
Target Date 2026-2030	MTPIX	Manning Napier Manning Napier rtmt Target 2030
Target Date 2036-2040	MTTIX	Manning Napier Manning Napier rtmt Target 2040
Target Date 2000-2010	MTHIX	Manning Napier Manning Napier rtmt Target 2010
Moderate Allocation	VWELX	Vanguard Vanguard/Wellington Fund Inc.
Moderate Allocation	CIMFX	Bank of Amer N.A. FFI Government Fund

US EQUITY
MID-CAP VALUE	NAMAX	Columbia Funds Columbia Mid Cap Value Fund Z
LARGE GROWTH	RGAEX	American Funds American Growth Fund of Amer R4
LARGE VALUE	EILVX	Eaton Funds Eaton Vance Large Cap Value Fund
SMALL BLEND	OPMYX	Oppenheimer Funds Oppenheimer Main St. Small Cap Fund
LARGE GROWTH	MLAIX	Mainstay Investments Mainstay Large Cap Growth Fund
LARGE BLEND	DNVYX	Davis Davis NY Venture class Y
Mid-Cap Growth	MGOYX	Munder Funds Munder Midcap Core Growth Fund Y
LARGE VALUE	VWNFX	Vanguard Vanguard Windsor Fund II
LARGE GROWTH	VPMCX	Vanguard Vanguard Primecap Fund

INTERNATIONAL EQUITY
WORLD STOCK	RWIEX	American Funds American Capital World growth income R4
Foreign Large Blend	REREX	American Funds American Europacific Growth R4

FIXED INCOME
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Pacific Investment Management Company Total Return Fund

We provide two types of investment model portfolios for THE M 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.