AMERICAN PHYSICIANS ASSURANCE CORPORATION RETIREMENT PLAN Investment Model Portfolios

Investment options of AMERICAN PHYSICIANS ASSURANCE CORPORATION RETIREMENT PLAN

Total Available Funds: 16

Asset Class

Ticker

Description

FIXED INCOME
Intermediate Government	JDRVX	Prudential rtmt Ins. Guaranteed Income Fund
Intermediate-Term Bond	VPCIX	Prudential rtmt Ins. Core Bond Enhan Index

US EQUITY
LARGE GROWTH	PRGFX	Prudential rtmt Ins. T Rowe Price Growth Stock
LARGE BLEND	PTMAX	Prudential rtmt Ins. Lge Cp Val/LSV Asset Mgmt
Mid-Cap Growth	JDERX	Prudential rtmt Ins. Mid Cap Growth/Artisan
MID-CAP VALUE	SPRAX	Prudential rtmt Ins. Mid Cap Value/Well Mgmt
SMALL BLEND	PQVAX	Prudential rtmt Ins. Small Cap Growth/TimesSq
SMALL VALUE	PZVAX	Prudential rtmt Ins. Small Cap Val/Kennedy Fd
LARGE BLEND	SVSPX	Prudential rtmt Ins. Dryden S P 500 Index Fund
LARGE BLEND	NYVTX	Prudential rtmt Ins. Davis NY Venture Cl A Shr
LARGE BLEND	PTMAX	Prudential rtmt Ins. LCV/Barrow Hanley Fund

INTERNATIONAL EQUITY
Foreign Large Blend	TIVRX	Thornburg Invest Mgmt Thorn Inter Value R4
WORLD STOCK	IGMIX	Prudential rtmt Ins. Oppenheimer Global Fund

Emerging Market
DIVERSIFIED EMERGING MKTS	GTDDX	Invesco AIM Developing Mkts A

Others
Moderate Allocation	ABWAX	Prudential rtmt Ins. AllianceBernstein Balanc
Moderate Allocation	MACPX	Prudential rtmt Ins. Intern Val/LSV Asset Mgt

Investment model portfolios

We provide two types of investment model portfolios for AMERICAN PHYSICIANS ASSURANCE CORPORATION 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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