SAVINGS AND SECURITY PLAN OF THE LOCKPORT and WATERBURY FACILITIES Investment Model Portfolios

Investment options of SAVINGS AND SECURITY PLAN OF THE LOCKPORT and WATERBURY FACILITIES

Total Available Funds: 23

Asset Class

Ticker

Description

US EQUITY
MID-CAP VALUE	AFSVX	Alliance Bernstein Small Mid Cap Value Fund
LARGE GROWTH	AGTHX	American Funds Growth Fund of America
LARGE VALUE	MEIIX	MFS Value Fund
Small Growth	MSSGX	MSIF Small Company Growth Fund
LARGE BLEND	SVSPX	State Street Global Advisors S&P 500 Flagship SL Series Fund

INTERNATIONAL EQUITY
Foreign Large Blend	AEPGX	American Funds Europacific Growth Fund

FIXED INCOME
Intermediate-Term Bond	VBMFX	Vanguard Total Bond Market Index Fund
Long-Term Bond	VBLTX	BlackRock Global Investors, Long Term Government Bond Index Fund
Intermediate Government	TGMBX	BlackRock, Mortgage-Backed Sec Index Fund

Others
unknown asset name	ssga	State Street Global Advisors Target Retirement Income 2015 SL Series Fund
unknown asset name	P_5911	State Street Global Advisors Target Retirement Income 2020 SL Series Fund
unknown asset name	P_5911	State Street Global Advisors Target Retirement Income 2025 SL Series Fund
unknown asset name	P_5911	State Street Global Advisors Target Retirement Income 2030 SL Series Fund
unknown asset name	P_5911	State Street Global Advisors Target Retirement Income 2035 SL Series Fund
unknown asset name	P_5911	State Street Global Advisors Target Retirement Income 2040 SL Series Fund
unknown asset name	P_5911	State Street Global Advisors Target Retirement Income 2045 SL Series Fund
unknown asset name	unknown	BlackRock, 1-3 Year Government Bond Index Fund
unknown	unknown	BlackRock, 1-3 Year Credit Bond Index Fund
unknown	unknown	BlackRock, Asset-Backed Sec Index Fund
unknown asset name	unknown	BlackRock, Comm Mortgage-Backed Sec Fund
unknown	unknown	BlackRock, Int Term Credit Bond Index Fund
unknown	unknown	BlackRock, Int Term Government Bond Index Fund
unknown	unknown	BlackRock, Long Term Government Bond Index Fund

Investment model portfolios

We provide two types of investment model portfolios for SAVINGS AND SECURITY PLAN OF THE LOCKPORT and WATERBURY FACILITIES 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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