Schwab OneSource 2010Q3 Investment Model Portfolios

Charles Schwab Income Choice Variable Annuity is provided by Nationwide Financial. IMPORTANT NOTE: because MyPlanIQ does not have Fidelity VIP fund data, all of these funds are substituted by their Fidelity Advisor equivalents. We believe the Fidelity Advisor funds should closely track their VIP fund correspondents.

Investment options of Schwab OneSource 2010Q3

Total Available Funds: 138

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	SWANX	Schwab Core Equity
LARGE GROWTH	LGILX	Laudus Growth Investors US Large Cap Gr
LARGE GROWTH	SWLSX	Schwab Large-Cap Growth Sel
LARGE VALUE	SWDSX	Schwab Dividend Equity Select
LARGE BLEND	FMIHX	FMI Large Cap
LARGE BLEND	JRMSX	INTECH Risk-Mgd Stock Fund
LARGE BLEND	JUEAX	JPMorgan US Equity A
LARGE BLEND	PRBLX	Parnassus Equity Income – Inv
LARGE BLEND	TICRX	TIAA-CREF Social Choice Eq Retail
LARGE GROWTH	TWCGX	American Century Growth Inv
LARGE GROWTH	HCAIX	Harbor Capital Appreciation Inv
LARGE GROWTH	JAMRX	Janus Research
LARGE GROWTH	TGCNX	TCW Select Equities N
LARGE GROWTH	TIRTX	TIAA-CREF Large-Cap Growth Retail
LARGE VALUE	AAGPX	American Beacon Lg Cap Value Plan
LARGE VALUE	TWVLX	American Century Value Inv
LARGE VALUE	INDZX	RiverSource Diversified Equity Inc A
LARGE VALUE	JVLAX	JHancock3 Disciplined Value A
LARGE VALUE	YAFFX	Yacktman Focused
LARGE BLEND	PEOPX	Dreyfus S&P 500 Index
LARGE BLEND	SWPPX	Schwab S&P 500 Index Sel
Small Growth	SWMSX	Laudus Small-Cap MarketMasters Select
MID-CAP BLEND	CHTTX	Aston/Optimum Mid Cap N
MID-CAP BLEND	NMMCX	Northern Multi-Manager Mid Cap
Mid-Cap Growth	TGDNX	TCW Growth Equities N
Mid-Cap Growth	WTMGX	Westcore MIDCO Growth
MID-CAP VALUE	ACMVX	American Century Mid Cap Value Inv
MID-CAP VALUE	ARDEX	Aston/River Road Dividend All Cap Val N
SMALL BLEND	GABSX	Gabelli Small Cap Growth AAA
SMALL BLEND	RYTFX	Royce Total Return Svc
Small Growth	BSCFX	Baron Small Cap
Small Growth	CSMVX	Century Small Cap Select Inv
Small Growth	NSPAX	ING Small Cap Opportunities A
Small Growth	JATTX	Janus Triton
Small Growth	KGSCX	Kalmar Growth-with-Value Small Cap
SMALL VALUE	AVPAX	American Beacon Small Cp Val Plan
SMALL VALUE	VSFAX	Federated Clover Small Value A
SMALL VALUE	PSOAX	JPMorgan Small Cap Value A
SMALL VALUE	NOSGX	Northern Small Cap Value
SMALL BLEND	DISSX	Dreyfus Small Cap Stock Index
SMALL BLEND	SWSSX	Schwab Small Cap Index Sel

INTERNATIONAL EQUITY
Foreign Large Blend	SICNX	Schwab International Core Equity Inst
Foreign Large Growth	SWMIX	Laudus International MarketMasters Sel
PACIFIC/ASIA EX-JAPAN STK	ICHKX	Guinness Atkinson China & Hong Kong
PACIFIC/ASIA EX-JAPAN STK	MCHFX	Matthews China
DIVERSIFIED PACIFIC/ASIA	MAPIX	Matthews Asia Pacific Equity Income
DIVERSIFIED PACIFIC/ASIA	MPACX	Matthews Asia Pacific
EUROPE STOCK	AXEAX	Threadneedle European Equity A
Foreign Large Blend	JETAX	Artio International Equity II A
Foreign Large Blend	HIINX	Harbor International Inv
Foreign Large Blend	LISOX	Lazard Intl Strategic Equity Open
Foreign Large Blend	EXWAX	Manning & Napier World Opportunities A
Foreign Large Value	MKIEX	McKee International Equity Instl
Foreign Large Growth	HLMNX	Harding Loevner International Equity Inv
Foreign Large Blend	UMBWX	UMB Scout International
Foreign Large Value	AAIPX	American Beacon Intl Equity Plan
Foreign Large Value	TWWDX	Thomas White International
Foreign Small/Mid Value	OAKEX	Oakmark International Small Cap I
JAPAN STOCK	MJFOX	Matthews Japan
PACIFIC/ASIA EX-JAPAN STK	MACSX	Matthews Asian Growth & Income
PACIFIC/ASIA EX-JAPAN STK	MAPTX	Matthews Pacific Tiger
WORLD STOCK	HLMGX	Harding Loevner Global Equity
Foreign Large Blend	SIEIX	RidgeWorth Intl Equity Index I
Foreign Large Blend	SWISX	Schwab International Index Sel

Emerging Market
DIVERSIFIED EMERGING MKTS	CEMVX	Causeway Emerging Markets Investor
DIVERSIFIED EMERGING MKTS	SSEMX	SSgA Emerging Markets

Others
Financial	SWFFX	Schwab Financial Services
Health	SWHFX	Schwab Health Care
Equity Energy	ICENX	ICON Energy
EQUITY PRECIOUS METALS	TGLDX	Tocqueville Gold
Financial	FBRSX	FBR Small Cap Financial
Health	JAGLX	Janus Global Life Sciences
Technology	BOGSX	Black Oak Emerging Technology
Technology	BUFTX	Buffalo Science & Technology
Long-Short	SWHEX	Schwab Hedged Equity Select
Moderate Allocation	SWOBX	Schwab Balanced Inv
Retirement Income	SWKRX	Schwab Monthly Income Enh Payout
Retirement Income	SWLRX	Schwab Monthly Income Max Payout
Target Date 2011-2015	SWGRX	Schwab Target 2015
Target Date 2021-2025	SWHRX	Schwab Target 2025
Target Date 2026-2030	SWDRX	Schwab Target 2030
Target Date 2031-2035	SWIRX	Schwab Target 2035
Moderate Allocation	FAGSX	First American Strat Growth Allc A
Conservative Allocation	AONIX	American Century One Choice: Very Con
Conservative Allocation	EXDAX	Manning & Napier Pro-Blend Cnsrv Term S
Long-Short	CVSIX	Calamos Market Neutral Income A
Long-Short	FMLSX	1st Srce Mngrm Long/Sh
Moderate Allocation	BUFBX	Buffalo Balanced
Moderate Allocation	JABAX	Janus Balanced
Retirement Income	ARTOX	American Century LIVESTRONG Inv
Target Date 2011-2015	ARFIX	American Century LIVESTRONG 2015 Inv
Target Date 2011-2015	JSFAX	JPMorgan SmartRetirement 2015 A
Target Date 2016-2020	JTTAX	JPMorgan SmartRetirement 2020 A
Target Date 2021-2025	ARWIX	American Century LIVESTRONG 2025 Inv
Target Date 2021-2025	JNSAX	JPMorgan SmartRetirement 2025 A
Target Date 2026-2030	JSMAX	JPMorgan SmartRetirement 2030 A
Target Date 2031-2035	ARYIX	American Century LIVESTRONG 2035 Inv
Target Date 2031-2035	SRJAX	unknown fund name

COMMODITIES
COMMODITIES BROAD BASKET	PCRDX	PIMCO Commodity Real Ret Strat D

REAL ESTATE
REAL ESTATE	CSRSX	Cohen & Steers Realty Shares
REAL ESTATE	FREAX	First American Real Estate Secs A

FIXED INCOME
Intermediate Government	SWGSX	Schwab GNMA Sel
Intermediate-Term Bond	SWIIX	Schwab Premier Income Instl
WORLD BOND	LIFNX	Laudus Mondrian Intl Fixed Income Inst
Bank Loan	EABLX	Eaton Vance Floating Rate Adv
Emerging Markets Bond	PEMDX	PIMCO Emerging Markets Bond D
High Yield Bond	MWHYX	Metropolitan West High Yield Bond M
High Yield Bond	STHTX	RidgeWorth High Income I
Inflation-Protected Bond	ACITX	American Century Infl-Adjusted Bond Inv
Inflation-Protected Bond	PRRDX	PIMCO Real Return D
Intermediate Government	CPTNX	American Century Government Bond Inv
Intermediate Government	FICMX	Federated Income Instl
Intermediate-Term Bond	FTRFX	Federated Total Return Bond Instl Svc
Intermediate-Term Bond	PGBOX	JPMorgan Core Bond A
Intermediate-Term Bond	MWTRX	Metropolitan West Total Return Bond M
Intermediate-Term Bond	PTTDX	PIMCO Total Return D
Intermediate-Term Bond	SAMIX	RidgeWorth Intermediate Bond I
Multisector Bond	LSBRX	Loomis Sayles Bond Retail
Multisector Bond	PONDX	PIMCO Income D
SHORT GOVERNMENT	TWUSX	American Century Short-Term Govt Inv
SHORT GOVERNMENT	FSGVX	Federated U.S. Govt: 1-3 Yr Instl
Short-Term Bond	FSTIX	Federated Short-Term Income Instl
Short-Term Bond	MWLDX	Metropolitan West Low Duration Bond M
ULTRASHORT BOND	FEUGX	Federated Adjustable Rate Secs Instl
ULTRASHORT BOND	FEUGX	Federated Adjustable Rate Secs Instl
ULTRASHORT BOND	SIGVX	RidgeWorth US Gov Sec Ultra-Short Bd I
WORLD BOND	PFODX	PIMCO Foreign Bond (USD-Hedged) D
Muni National Interm	SWNTX	Schwab Tax-Free Bond
High Yield Muni	ABHYX	American Century High-Yield Muni Inv
Muni National Interm	TWTIX	American Century Tax-Free Bond Inv
Muni National Interm	BMBSX	Baird Intermediate Muni Bd Inv
Muni National Interm	FIMTX	Federated Intermediate Municipal Instl
Muni National Interm	MITFX	Marshall Intermediate Tax-Free Inv
Muni National Interm	STTBX	RidgeWorth Investment Grade T/E Bond I
Muni National Long	ACLVX	American Century Lg-Term Tax-Free Inv
Muni National Long	NOTEX	Northern Tax-Exempt
Muni National Short	FSHIX	Federated Short-Interm Dur Muni Instl
Intermediate-Term Bond	AANPX	American Beacon Enhanced Income Plan

Investment model portfolios

We provide two types of investment model portfolios for Schwab OneSource 2010Q3 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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