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.

Customize a model portfolio now

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