Savings and Investment Plan Investment Model Portfolios

Investment options of Savings and Investment Plan

Total Available Funds: 22

Asset Class

Ticker

Description

Others
ROOT	CASH	FFI Institutional Fund
Moderate Allocation	ATCAX	American Century Strategic Allocation Moderate Fund A

FIXED INCOME
Intermediate-Term Bond	PGBOX	JPMorgan Core Bond Fund A
SHORT GOVERNMENT	GSSDX	Goldman Sachs Short Duration Govt. Fund A
Intermediate Government	OGGAX	JPMorgan Government Bond Fund A
Intermediate-Term Bond	DODIX	Dodge & Cox Income Fund

US EQUITY
LARGE GROWTH	RGAEX	American Funds Growth Fund R-4
LARGE VALUE	MEIAX	MFS Value Fund A
Mid-Cap Growth	PEEAX	Prudential Jennison Mid Cap Growth,Fund A
LARGE VALUE	DODGX	Dodge & Cox Stock Fund
LARGE BLEND	MASRX	BlackRock S&P 500 Index Fund I
MID-CAP VALUE	JMVAX	Perkins Mid Cap Value Fund A
LARGE GROWTH	MCGFX	Aston/Montag & Caldwell Growth Fund N
LARGE GROWTH	SRLAX	BlackRock Capital Appreciation Portfolio A
Small Growth	SAGWX	Sentinel Small Company Fund A
SMALL VALUE	GSSMX	Goldman Sachs Small Cap Value Fund A
LARGE BLEND	VFIAX	Vanguard 500 Index Admin Fund
LARGE VALUE	VWNFX	Vanguard Windsor II
MID-CAP VALUE	TRMCX	T. Rowe Price Mid Cap Value Fund
Mid-Cap Growth	RPMGX	T. Rowe Price Mid Cap Growth Fund

INTERNATIONAL EQUITY
Foreign Large Blend	REREX	American Funds Europacific Growth R-4
Foreign Large Blend	TGVAX	Thornburg International Value Fund A

Investment model portfolios

We provide two types of investment model portfolios for Savings and Investment 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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