PreTest 2-day Plan Schwab OneSource Select List Funds
Investment Model Portfolios
This is an application to Charles Schwab's OneSource Select List mutual funds. These funds are No Load and No Transaction Fee (NTF) mutual funds. Based on Schwab's policy, the no load NTF funds have 90 days redemption fee period. As of 1/1/2010, there are total 140 OneSource Select List funds avaiable from Schwab.
This plan could be also used by participants who are in Schwab Personal Choice Retirement Account (PCRA) either through self-directed 401K brokerage link or self-directed IRA accounts.
Investment options of PreTest 2-day Plan Schwab OneSource Select List Funds
Total Available Funds: 141
Asset Class |
Ticker
| Description |
INTERNATIONAL EQUITY |
|
|
PACIFIC/ASIA EX-JAPAN STK |
MCHFX |
Matthews China |
DIVERSIFIED PACIFIC/ASIA |
MPACX |
Matthews Asia Dividend |
PACIFIC/ASIA EX-JAPAN STK |
MAPTX |
Matthews Pacific Tiger |
DIVERSIFIED PACIFIC/ASIA |
MPACX |
Matthews Asia Pacific |
Foreign Large Blend |
UMBWX |
Scout International |
Foreign Large Blend |
EXWAX |
Manning & Napier World Opportunities A |
WORLD STOCK |
JARFX |
Janus Global Research J |
WORLD STOCK |
JARFX |
Janus Research J |
Foreign Large Growth |
HLMIX |
Harding Loevner International Eq Inv |
Foreign Large Blend |
HIINX |
Harbor International Inv |
WORLD STOCK |
OAKGX |
Oakmark Global I |
Foreign Large Blend |
LISOX |
Lazard Intl Strategic Equity Open |
Foreign Large Blend |
JETAX |
Artio International Equity II A |
Foreign Large Value |
AAIPX |
American Beacon Intl Equity Inv |
Foreign Large Growth |
HIIGX |
Harbor International Growth Inv |
Foreign Large Blend |
DIISX |
Dreyfus Intl Stock Index |
JAPAN STOCK |
MJFOX |
Matthews Japan |
|
FIXED INCOME |
|
|
WORLD BOND |
PFBDX |
PIMCO Foreign Bond (Unhedged) D |
Intermediate-Term Bond |
PTTDX |
PIMCO Total Return D |
Intermediate-Term Bond |
MWTRX |
Metropolitan West Total Return Bond M |
Inflation-Protected Bond |
PRRDX |
PIMCO Real Return D |
Intermediate-Term Bond |
SAMIX |
RidgeWorth Intermediate Bond I |
Intermediate Government |
CPTNX |
American Century Government Bond Inv |
Inflation-Protected Bond |
ACITX |
American Century Infl-Adj Bond Inv |
Intermediate Government |
SWGSX |
Schwab GNMA Fund |
WORLD BOND |
PFODX |
PIMCO Foreign Bond (USD-Hedged) D |
Intermediate-Term Bond |
FTRFX |
Federated Total Return Bond Instl Svc |
Intermediate Government |
FICMX |
Federated Income Instl |
Short-Term Bond |
JASBX |
Janus Short-Term Bond J |
Inflation-Protected Bond |
SWRIX |
Schwab Inflation Protected Fund |
Muni National Interm |
MITFX |
Marshall Intermediate Tax-Free Inv |
Intermediate-Term Bond |
PGBOX |
JPMorgan Core Bond A |
Muni National Interm |
BMBSX |
Baird Intermediate Muni Bd Inv |
Multisector Bond |
ETSIX |
Eaton Vance Strategic Income A |
Muni National Interm |
STTBX |
RidgeWorth Investment Grade T/E Bond I |
Multisector Bond |
LSBRX |
Loomis Sayles Bond Retail |
SHORT GOVERNMENT |
FSGVX |
Federated US Govt 1-3 Yr Instl |
Muni National Interm |
SWNTX |
Schwab Tax-Free Bond Fund |
SHORT GOVERNMENT |
TWUSX |
American Century Short-Term Govt Inv |
ULTRASHORT BOND |
SIGVX |
RidgeWorth US Gov Sec Ultra-Short Bd I |
Short-Term Bond |
FSTIX |
Federated Short-Term Income Instl |
Muni National Interm |
TWTIX |
American Century Tax-Free Bond Inv |
High Yield Bond |
JAHYX |
Janus High-Yield J |
ULTRASHORT BOND |
FEUGX |
Federated Adjustable Rate Secs Instl |
High Yield Bond |
PHYDX |
PIMCO High Yield D |
Muni National Long |
NOTEX |
Northern Tax-Exempt |
Muni National Short |
STSMX |
Wells Fargo Advantage S/T Muni Bd Inv |
Muni National Short |
FSHIX |
Federated Shrt-Interm Dur Muni Instl |
Bank Loan |
EABLX |
Eaton Vance Floating Rate Adv |
WORLD BOND |
LIFNX |
Laudus Mondrian Intl. Fixed Income Fund |
Intermediate-Term Bond |
SWIIX |
Schwab Premier Income Fund |
|
US EQUITY |
|
|
LARGE BLEND |
TOCQX |
Tocqueville Gold |
LARGE VALUE |
YAFFX |
Yacktman Focused |
LARGE BLEND |
PRBLX |
Parnassus Equity Income - Inv |
SMALL VALUE |
JSCVX |
Perkins Small Cap Value J |
LARGE GROWTH |
MKLHX |
BlackRock LifePath Retirement I |
MID-CAP BLEND |
CHTTX |
Aston/Optimum Mid Cap N |
LARGE GROWTH |
LGILX |
Laudus Growth Investors U.S. Large Cap Growth Fund |
Small Growth |
JATTX |
Janus Triton J |
Small Growth |
RYOHX |
Royce 100 Svc |
MID-CAP VALUE |
JMCVX |
Perkins Mid Cap Value J |
LARGE BLEND |
FMIHX |
FMI Large Cap |
SMALL BLEND |
FMIOX |
FMI Focus |
LARGE GROWTH |
TWCGX |
American Century Growth Inv |
Mid-Cap Growth |
BUFMX |
Buffalo Mid Cap |
SMALL BLEND |
RGFAX |
Royce Heritage Svc |
MID-CAP VALUE |
ACMVX |
American Century Mid Cap Value Inv |
Mid-Cap Growth |
JAENX |
Janus Enterprise J |
LARGE GROWTH |
HCAIX |
Harbor Capital Appreciation Inv |
LARGE GROWTH |
SNIGX |
Sit Large Cap Growth |
LARGE BLEND |
EXEYX |
Manning & Napier Equity |
Small Growth |
WAAEX |
Wasatch Small Cap Growth |
MID-CAP BLEND |
NMMCX |
Northern Multi-Manager Mid Cap |
Small Growth |
BSCFX |
Baron Small Cap |
SMALL BLEND |
SWSSX |
Schwab Small-Cap Index Fund |
SMALL VALUE |
VSFAX |
Federated Clover Small Value A |
LARGE GROWTH |
JAGIX |
Janus Growth & Income J |
LARGE GROWTH |
SWLSX |
Schwab Large-Cap Growth Fund |
SMALL VALUE |
AVPAX |
American Beacon Small Cp Val Inv |
SMALL BLEND |
CRMSX |
CRM Small Cap Value Inv |
SMALL BLEND |
DISSX |
Dreyfus Small Cap Stock Index |
SMALL BLEND |
GTCSX |
Glenmede Small Cap Equity Adv |
Small Growth |
SWMSX |
Laudus Small-Cap MarketMasters Fund - Sel Shrs |
LARGE BLEND |
SWANX |
Schwab Core Equity Fund |
LARGE BLEND |
SWPPX |
Schwab S&P 500 Index Fund |
LARGE VALUE |
JVLAX |
JHancock3 Disciplined Value A |
SMALL VALUE |
NOSGX |
Northern Small Cap Value |
LARGE BLEND |
ACIVX |
American Century Equity Index Inv |
LARGE BLEND |
JRMSX |
INTECH Risk-Managed Core J |
LARGE BLEND |
CRVAX |
RidgeWorth Large Cap Core Equity I |
LARGE VALUE |
AAGPX |
American Beacon Lg Cap Value Inv |
Small Growth |
EMGRX |
First American Small Cap Select A |
LARGE VALUE |
SINAX |
Legg Mason ClearBridge Investors Val A |
SMALL VALUE |
PSOAX |
JPMorgan Small Cap Value A |
|
Emerging Market |
|
|
DIVERSIFIED EMERGING MKTS |
SEMVX |
Schroder Emerging Market Equity Adv |
DIVERSIFIED EMERGING MKTS |
LZOEX |
Lazard Emerging Markets Equity Open |
Latin America Stock |
MALTX |
BlackRock LifePath 2020 I |
Latin America Stock |
MALTX |
BlackRock LifePath 2030 I |
Latin America Stock |
MALTX |
BlackRock LifePath 2040 I |
|
Others |
|
|
Moderate Allocation |
JABAX |
Janus Balanced J |
Conservative Allocation |
EXDAX |
Manning & Napier Pro-Blend Cnsrv Term S |
Equity Energy |
GAGEX |
Guinness Atkinson Global Energy |
Conservative Allocation |
AONIX |
American Century One Choice: Very Cnsrv |
Equity Energy |
ICENX |
ICON Energy |
Long-Short |
FMLSX |
Wasatch-1st Source Long/Short |
Health |
JAGLX |
Janus Global Life Sciences J |
Retirement Income |
ARTOX |
American Century LIVESTRONG Inc Inv |
Health |
DGHCX |
Allianz RCM Wellness D |
Target Date 2011-2015 |
ARFIX |
American Century LIVESTRONG 2015 Inv |
Natural Resources |
ARMDX |
Allianz RCM Global Resources D |
Technology |
BUFTX |
Buffalo Science & Technology |
Moderate Allocation |
MNBAX |
Manning & Napier Pro-Blend Extnd Term S |
Long-Short |
CVSIX |
Calamos Market Neutral Income A |
Technology |
MATFX |
Matthews Asian Technology |
Target Date 2021-2025 |
ARWIX |
American Century LIVESTRONG 2025 Inv |
Health |
SWHFX |
Schwab Health Care Fund |
Target Date 2011-2015 |
JSFAX |
JPMorgan SmartRetirement 2015 A |
Target Date 2031-2035 |
ARYIX |
American Century LIVESTRONG 2035 Inv |
Moderate Allocation |
SWBGX |
Schwab Balanced Fund |
Target Date 2000-2010 |
SWBRX |
Schwab Target 2020 Fund |
Financial |
FBRSX |
FBR Small Cap Financial |
Target Date 2000-2010 |
SWBRX |
Schwab Target 2030 Fund |
Target Date 2041-2045 |
AROIX |
American Century LIVESTRONG 2045 Inv |
Target Date 2016-2020 |
JTTAX |
JPMorgan SmartRetirement 2020 A |
Long-Short |
SWHEX |
Schwab Hedged Equity Fund |
Target Date 2000-2010 |
SWBRX |
Schwab Target 2040 Fund |
Target Date 2026-2030 |
JSMAX |
JPMorgan SmartRetirement 2030 A |
Target Date 2036-2040 |
SMTAX |
JPMorgan SmartRetirement 2040 A |
ROOT |
SWDIX |
Schwab Dividend Equity Fund |
Communications |
GABTX |
GAMCO Global Telecommunications AAA |
ROOT |
SWINX |
Schwab International Index Fund |
Financial |
GLFAX |
Aberdeen Global Financial Services A |
ROOT |
SWAIX |
Schwab Global Real Estate Fund |
ROOT |
SICVX |
Schwab International Core Equity Fund |
Retirement Income |
SWKRX |
Schwab Monthly Income Fund - Enhanced Payout |
Retirement Income |
SWLRX |
Schwab Monthly Income Fund - Maximum Payout |
Target Date 2000-2010 |
SWBRX |
Schwab Target 2025 Fund |
Target Date 2000-2010 |
SWBRX |
Schwab Target 2035 Fund |
ROOT |
CASH |
Schwab Money Market |
|
REAL ESTATE |
|
|
REAL ESTATE |
CSRSX |
Cohen & Steers Realty Shares |
REAL ESTATE |
FREAX |
First American Real Estate Secs A |
|
Investment model portfolios
We provide two types of investment model portfolios for PreTest 2-day Plan Schwab OneSource Select List Funds 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.