To the Participants and Administrator of the Constellation Energy Group, Inc.Employee Savings Plan Investment Model Portfolios

Constellation Energy Group, Inc., through its subsidiaries, supplies energy products and services in North America.

Investment options of To the Participants and Administrator of the Constellation Energy Group, Inc.Employee Savings Plan

Total Available Funds: 25

Asset Class

Ticker

Description

FIXED INCOME
SHORT GOVERNMENT	STABLEVALUE	T. Rowe Price Retirement Stable Value Common Tr Fund
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Institutional

US EQUITY
LARGE GROWTH	PRGFX	T. Rowe Price Retirement Growth Stock Fund
LARGE VALUE	PRFDX	T. Rowe Price Retirement Equity Income Fund
Mid-Cap Growth	RPMGX	T. Rowe Price Retirement Mid-Cap Growth Fund
LARGE BLEND	VINIX	Vanguard Institutional Index
MID-CAP BLEND	FLPSX	Fidelity Low Priced Stock
MID-CAP VALUE	TRMCX	T. Rowe Price Retirement Mid-Cap Value Fund
Small Growth	PRNHX	T. Rowe Price Retirement New Horizons Fund
SMALL BLEND	PRSVX	T. Rowe Price Retirement Small-Cap Value Fund
LARGE BLEND	VINIX	Vanguard Institutional Index

Others
Target Date 2016-2020	TRRBX	T. Rowe Price Retirement rtmt 2020 Fund
Target Date 2000-2010	TRRFX	T. Rowe Price Retirement rtmt 2005 Fund
Target Date 2000-2010	TRRAX	T. Rowe Price Retirement rtmt 2010 Fund
Target Date 2011-2015	TRRGX	T. Rowe Price Retirement rtmt 2015 Fund
Target Date 2016-2020	TRRBX	T. Rowe Price Retirement rtmt 2020 Fund
Target Date 2021-2025	TRRHX	T. Rowe Price Retirement rtmt 2025 Fund
Target Date 2026-2030	TRRCX	T. Rowe Price Retirement rtmt 2030 Fund
Target Date 2031-2035	TRRJX	T. Rowe Price Retirement rtmt 2035 Fund
Target Date 2036-2040	TRRDX	T. Rowe Price Retirement rtmt 2040 Fund
Target Date 2041-2045	TRRKX	T. Rowe Price Retirement rtmt 2045 Fund
Target Date 2050+	TRRMX	T. Rowe Price Retirement rtmt 2050Fund
Target Date 2050+	TRRNX	T. Rowe Price Retirement rtmt 2055 Fund
Retirement Income	TRRIX	T. Rowe Price Retirement rtmt Income Fund

INTERNATIONAL EQUITY
Foreign Large Growth	FDIVX	Fidelity Diversified International

Investment model portfolios

We provide two types of investment model portfolios for To the Participants and Administrator of the Constellation Energy Group, 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

Example model portfolios

The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.

Strategic Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
To the Participants and Administrator of the Constellation Energy Group, Inc.Employee Savings Plan Tactical Asset Allocation Moderate	NA	19.09%	7.58%	8.20%	7.45%	9.03%	9.38%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	9.98%	9.75%	10.95%	11.06%	12.38%	9.19%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	6.25%	1.69%	4.40%	4.69%	6.67%	5.54%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	To the Partic… Moderate	-0.63	19.09	7.58	8.20	7.45	9.03	9.38	…	…	NA	NA	2.84	26.84	-6.01	4.45	15.90	18.60	-2.79	12.95	9.39	2.38	3.36	20.43	12.30	4.01	13.23	15.63	2.36	10.97	13.70	7.18	13.29	13.67	0.22	-3.98	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	-1.25	9.98	9.75	10.95	11.06	12.38	9.19	…	…	NA	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	-0.67	6.25	1.69	4.40	4.69	6.67	5.54	…	…	NA	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	To the Partic… Moderate	NA	2.53	0.65	0.77	0.71	NA	NA	…	…	NA	NA	0.37	2.85	-0.55	0.43	0.84	2.37	-0.41	2.41	0.98	0.27	0.41	2.87	1.51	0.26	1.34	1.80	7.45	0.83	1.41	0.80	1.66	1.81	-0.24	-1.48	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	2.27	1.35	0.68	0.77	NA	NA	…	…	2.01	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	2.12	1.29	0.44	0.65	NA	NA	…	…	1.74	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	To the Partic… Moderate	NA	7.79	10.65	12.14	10.48	NA	NA	…	…	NA	NA	6.86	7.94	13.34	10.25	18.54	7.25	10.00	5.11	9.40	8.87	8.11	7.10	8.10	15.32	9.83	8.63	0.19	9.61	7.41	6.23	7.43	7.17	3.74	4.26	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	11.89	14.81	16.89	18.11	NA	NA	…	…	13.52	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.19	8.90	10.01	10.31	NA	NA	…	…	10.15	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	To the Partic… Moderate	NA	4.62	18.23	21.04	21.04	NA	NA	…	…	NA	NA	1.31	4.62	14.86	7.20	21.04	3.55	13.36	2.60	9.65	7.59	7.17	3.54	5.72	13.91	7.32	4.46	0.18	7.40	8.19	4.87	6.55	4.25	4.59	8.03	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	To the Partic… Moderate	NA	13.85	9.92	8.36	6.85	NA	NA	…	…	NA	NA	0.91	14.15	9.00	5.55	7.95	4.30	4.43	6.17	4.49	6.74	4.86	3.64	5.00	5.15	5.58	3.28	2.55	6.61	6.40	3.65	3.31	2.99	4.41	3.03	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.18	1.60	1.52	2.78	3.91	3.46	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.51	6.00	4.34	4.54	4.38	4.18	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2023, Common starting date is 12/31/2000

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