LITHIA MOTORS INC. SALARY REDUCTION PROFIT SHARING PLAN Investment Model Portfolios

Investment options of LITHIA MOTORS INC. SALARY REDUCTION PROFIT SHARING PLAN

Total Available Funds: 23

Asset Class

Ticker

Description

COMMODITIES
COMMODITIES BROAD BASKET	SKIRX	DWS Commodity Securities

FIXED INCOME
Inflation-Protected Bond	FRIPX	American Inflation -ADJ BDN Fund - ADV
High Yield Bond	GSHTX	GS High Yield Fund
Short-Term Bond	PLDRX	Pimco Low Duration Fund

Others
Health	SHSAX	BR Health SCI Opport Port Fund
Technology	DRGTX	Allianz RCM Global Tech Fund
EQUITY PRECIOUS METALS	FGADX	Franklin Gold and Precious Metal
Utilities	MMUFX	MFS Utilities Fund Class A
Moderate Allocation	MSFRX	MFS Total Return Fund - A
Target Date 2011-2015	SPDAX	DWS Lifecompass 2015 Fund - A
Target Date 2016-2020	SUPAX	DWS Lifecompass 2020 Fund - A
Target Date 2026-2030	PLUSX	DWS Lifecompass 2030 Fund - A

INTERNATIONAL EQUITY
Foreign Large Blend	RERFX	AM FNDS Europacific Growth Fund
WORLD STOCK	KGDAX	DWS Global Opportunities Fund - A

Emerging Market
DIVERSIFIED EMERGING MKTS	ODMAX	Oppenheimer Developing Markets

US EQUITY
SMALL BLEND	NBGAX	Neuberger Berman Genesis – AD
LARGE BLEND	ITHSX	Hartford Capital APPR Fund - R4
MID-CAP VALUE	GCMAX	GS Mid Cap Value Fund
Mid-Cap Growth	PFMAX	Allianz CCM Mid Cap Fund
LARGE BLEND	SCPIX	DWS S&P 500 Index Fund - S
LARGE GROWTH	RGACX	Growth Fund of America - R3
LARGE VALUE	KDCAX	DWS Large Cap Value Fund – A
US EQUITY	LAD	Lithia Motors, Inc

Investment model portfolios

We provide two types of investment model portfolios for LITHIA MOTORS INC. SALARY REDUCTION PROFIT SHARING 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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