Group 1 Automotive, Inc. 401(k) Savings Plan Investment Model Portfolios

Investment options of Group 1 Automotive, Inc. 401(k) Savings Plan

Total Available Funds: 18

Asset Class

Ticker

Description

Others
ROOT	CASH	Premier institutional Money Market Fund
Moderate Allocation	OAKBX	The Oakmark Equity & Income Fund
EQUITY	PSS	Common/Collective Trust Funds
EQUITY	MER	Merrill Lynch Retirement Preservation Trust Fund
EQUITY	GPI	Group 1 Automotive, Inc. common stock

FIXED INCOME
Intermediate-Term Bond	RBFFX	American Bond Fund of America
Inflation-Protected Bond	AIANX	American Century Inflation Adjusted Fund
Intermediate-Term Bond	MPHQX	Blackrock Total Return Portfolio Fund

US EQUITY
LARGE VALUE	ACGMX	Van Kampen Growth & Income Fund
LARGE GROWTH	ACARX	Alger Capital Appreciation Institutional Portfolio Fund
SMALL VALUE	PNVRX	Allianz NFJ Small-Cap Value Fund
LARGE GROWTH	RGAFX	American Growth Fund of America
Mid-Cap Growth	MMSRX	Munder Mid-Cap Core Growth Fund
MID-CAP VALUE	CMVRX	Columbia Mid-Cap Value Fund
Small Growth	VISCX	Van Kampen Small Cap Growth Fund

INTERNATIONAL EQUITY
Foreign Large Value	NIIVX	ING International Value Fund
Foreign Large Growth	MGRVX	MFS International Growth Fund
Foreign Large Blend	JEIEX	Merrill Lynch Equity Index Trust II Fund

Investment model portfolios

We provide two types of investment model portfolios for Group 1 Automotive, Inc. 401(k) 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

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