Test 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 Test Schwab OneSource Select List Funds

Total Available Funds: 56

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
PACIFIC/ASIA EX-JAPAN STK	MCHFX	Matthews China
PACIFIC/ASIA EX-JAPAN STK	MAPTX	Matthews Pacific Tiger
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
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
High Yield Bond	PHYDX	PIMCO High Yield D
Bank Loan	EABLX	Eaton Vance Floating Rate Adv
Intermediate-Term Bond	SWIIX	Schwab Premier Income Fund

US EQUITY
LARGE VALUE	YAFFX	Yacktman Focused
LARGE BLEND	PRBLX	Parnassus Equity Income - Inv
SMALL VALUE	JSCVX	Perkins Small Cap Value J
MID-CAP BLEND	CHTTX	Aston/Optimum Mid Cap N
SMALL BLEND	SWSSX	Schwab Small-Cap Index Fund
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

Others
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	STLAX	BlackRock LifePath Retirement I
Retirement Income	ARTOX	American Century LIVESTRONG Inc Inv
Target Date 2036-2040	SMTAX	JPMorgan SmartRetirement 2040 A
ROOT	SWDIX	Schwab Dividend Equity Fund
Communications	GABTX	GAMCO Global Telecommunications AAA
Target Date 2036-2040	STLEX	BlackRock LifePath 2040 I
ROOT	SWINX	Schwab International Index Fund
Retirement Income	SWKRX	Schwab Monthly Income Fund - Enhanced Payout
Retirement Income	SWLRX	Schwab Monthly Income Fund - Maximum Payout
Target Date 2021-2025	SWHRX	Schwab Target 2025 Fund
Target Date 2000-2010	SWBRX	Schwab Target 2035 Fund
ROOT	CASH	Schwab Money Market

Investment model portfolios

We provide two types of investment model portfolios for Test 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.

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