ARCH COAL INC. EMPLOYEE THRIFT PLAN Investment Model Portfolios

Investment options of ARCH COAL INC. EMPLOYEE THRIFT PLAN

Total Available Funds: 20

Asset Class

Ticker

Description

Others
ROOT	CASH	Federated Prime Obligation Money Mkt Fund
Moderate Allocation	DODBX	Dodge Cox Balanced Fund
Target Date 2000-2010	WFCTX	Wells Fargo Adv Outlook 2010
Target Date 2016-2020	WFOBX	Wells Fargo Adv Outlook 2020
Target Date 2026-2030	WFOOX	Wells Fargo Adv Outlook 2030
Target Date 2036-2040	WFOSX	Wells Fargo Adv Outlook 2040
EQUITY	NTRS	Northern Tr Collective Daily S P 500 Equity Index Fund
ROOT	unknow	ING Life Annuity
ROOT	unknow	Monumental Life Insurance Co
EQUITY	STT	State Street Bank Tr Co

US EQUITY
LARGE VALUE	AICRX	American Century Income & Growth Fund
LARGE GROWTH	RGAFX	American Fund Corporation Growth Fund of Amer
LARGE BLEND	RICEX	American Fund Corporation Investment Company of Amer
Small Growth	BSQIX	Black Rock Small Cap Core Equity Fund
MID-CAP VALUE	FBSRX	Franklin Templeton Balance Sheet Fund
Mid-Cap Growth	JDERX	Jennison Mid Cap Growth Fund
US EQUITY	BAC	Bank of Amer NT SA
US EQUITY	JPM	JPMorgan Chase Bank

INTERNATIONAL EQUITY
Foreign Large Blend	JIEIX	Artio International Equity Fund

FIXED INCOME
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Fund

Investment model portfolios

We provide two types of investment model portfolios for ARCH COAL INC. EMPLOYEE THRIFT 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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