THE BON-TON STORES, INC.RETIREMENT CONTRIBUTION PLAN
Investment Model Portfolios

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Investment options of THE BON-TON STORES, INC.RETIREMENT CONTRIBUTION PLAN

Total Available Funds: 60

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	STFAX	State Street Global Advisor S P 500 Index Fund
US EQUITY	ADC	Agree Rlty Corp Registered Investment Company
LARGE VALUE	PNEAX	Allianz NFJ Dividend Value
SMALL VALUE	ACVIX	American Century Small Cap Value
LARGE BLEND	ANCFX	American Fundamental Investors Cl F
LARGE GROWTH	RGAEX	American Funds Growth Fund of Amer R4
LARGE GROWTH	CGFFX	American Growth Fund of Amer Class F
Mid-Cap Growth	BGRFX	Baron Growth Fund
MID-CAP BLEND	UMVEX	Columbia Mid Cap
Small Growth	CCASX	Conestoga Small Cap
US EQUITY	DOM	Dominion Res Black Warrior Tr Unit Ben It
LARGE BLEND	FAIRX	Fairholme Fund
Mid-Cap Growth	FBRVX	FBR Focus Fund
SMALL BLEND	WEMMX	GAMCO Westwood Mighty Mites FD AAA
US EQUITY	HGT	Hugoton Rty Tr Tex Unit Ben Int
LARGE GROWTH	JARTX	Janus Forty Cl S
LARGE GROWTH	JAMRX	Janus Research Core Fund Class J
LARGE VALUE	MUHLX	Muhlenkamp Fund
MID-CAP BLEND	MKMVX	Munder Mid Cap
Small Growth	RYVPX	Royce Value Plus Svc Class
LARGE VALUE	RSVCX	Russell US Value Class S
US EQUITY	SJT	San Juan Basin Rty Tr Unit Ben Int
LARGE BLEND	SLASX	Selected American Shares Cl S
LARGE GROWTH	PRGFX	T Rowe Price Growth Stock
MID-CAP VALUE	DEFIX	The Delafield Fund
LARGE BLEND	VFINX	Vanguard 500 Index Fd Investor Shs
LARGE BLEND	VTSSX	Vanguard Total Stock Mrkt Signal Cl Shs
LARGE VALUE	YAFFX	Yacktman Focused FD

Others
EQUITY	unknown	State Street Global Advisor Target Maturity Fund 2010
EQUITY	unknown	State Street Global Advisor Target Maturity Fund 2020
EQUITY	unknown	State Street Global Advisor Target Maturity Fund 2030
EQUITY	unknown	State Street Global Advisor Target Maturity Fund 2040
EQUITY	unknown	State Street Global Advisor Target Maturity Fund 2050
unknown	unknown	ssga Target Maturity Fund Lifetime Income
ROOT	CASH	State Street Global Advisor Money Mkt Fund Money Mkt
Moderate Allocation	RLBFX	American Funds Balanced Fund R4
Health	FSPHX	Fidelity Select Health Care
Equity Energy	ICENX	Icon Energy
ROOT	RYSRX	Rydex SGI All Cap Oppt Class H
Moderate Allocation	PRWCX	T Rowe Price Cap app
unknown	unknown	Terra Nitrogen Co LP Com Unit
Moderate Allocation	VGSTX	Vanguard Star

INTERNATIONAL EQUITY
Foreign Large Blend	CEUFX	American Europacific Growth Class F
Foreign Large Blend	CEUFX	American Funds EuroPacific
FOREIGN SMALL/MID GROWTH	ACINX	Columbia Acorn International Cl Z
Foreign Large Value	DODFX	Dodge Cox Internatl Stock Fund
Foreign Large Growth	HLMIX	Harding Loevner Intl Equity Portfolio
FOREIGN SMALL/MID GROWTH	OSMYX	Oppenheimer Intl Small Company Cl A

FIXED INCOME
High Yield Bond	AHIFX	American High-Income Class F
SHORT GOVERNMENT	SHY	Ishares Barclays 1-3 Yr Treasury Bd Fd
Emerging Markets Bond	PEBIX	Pacific Investment Management Company Emerging Mkts Bond Instl
Intermediate-Term Bond	PTRAX	Pacific Investment Management Company Total Return Admin Fund
Intermediate-Term Bond	PTTDX	Pacific Investment Management Company Total Return Class D
SHORT GOVERNMENT	SNGVX	SIT US Gov t Secs
Intermediate-Term Bond	TGCFX	TCW Core Fix Ed income Class I
Intermediate-Term Bond	VIBSX	Vanguard interm Trm Bd Indx Signal

REAL ESTATE
REAL ESTATE	CSRSX	Cohen Steers Realty Shares
REAL ESTATE	NBRFX	Neuberger Berman Real Estate Tr Cl

Emerging Market
DIVERSIFIED EMERGING MKTS	LZOEX	Lazard Emerging Mkts Open Class
DIVERSIFIED EMERGING MKTS	ODVNX	Oppenheimer Dev Mkts Cl N

Investment model portfolios

We provide two types of investment model portfolios for THE BON-TON STORES, INC.RETIREMENT CONTRIBUTION 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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THE BON-TON STORES, INC.RETIREMENT CONTRIBUTION PLAN Investment Model Portfolios

Investment options of THE BON-TON STORES, INC.RETIREMENT CONTRIBUTION PLAN

Investment model portfolios

THE BON-TON STORES, INC.RETIREMENT CONTRIBUTION PLAN
Investment Model Portfolios