LERNER NEW YORK INC. SAVINGS AND RETIREMENT PLAN Investment Model Portfolios

Investment options of LERNER NEW YORK INC. SAVINGS AND RETIREMENT PLAN

Total Available Funds: 10

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Funds: Total Return Fund; Institutional Class Shares

US EQUITY
LARGE VALUE	LAFFX	Lord Abbett Affiliated Fund
MID-CAP BLEND	FSLCX	Fidelity Commonwealth Trust: Fidelity Small Cap Stock Fund
LARGE BLEND	FUSEX	Fidelity Concord Street Trust: Spartan 500 Index Fund; Investor Class Shares
SMALL BLEND	RYTRX	Royce Fund: Royce Total Return Fund; Investment Class Shares
LARGE GROWTH	AGTHX	Growth Fund of America

Others
Target Date 2011-2015	FFVFX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2015 Fund
Target Date 2036-2040	FFFFX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2040 Fund
Target Date 2021-2025	FFTWX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2025 Fund

INTERNATIONAL EQUITY
PACIFIC/ASIA EX-JAPAN STK	FSEAX	Fidelity Investment Trust: Fidelity Emerging Asia Fund

Investment model portfolios

We provide two types of investment model portfolios for LERNER NEW YORK INC. SAVINGS AND RETIREMENT 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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