gil Investment Model Portfolios

Total Available Funds: 10

Asset Class

Ticker

Description

FIXED INCOME
LONG GOVERNMENT	IEF	iShares Barclays 7-10 Year Treasury
Inflation-Protected Bond	TIP	iShares Barclays TIPS Bond
WORLD BOND	WIP	SPDR DB Intl Govt Infl-Protected Bond
LONG GOVERNMENT	TLT	iShares Barclays 20+ Year Treas Bond
Long-Term Bond	LQD	iShares iBoxx $ Invest Grade Corp Bond
High Yield Bond	JNK	SPDR Lehman High Yield Bond
WORLD BOND	BWX	SPDR Lehman Intl Treasury Bond
FIXED INCOME	FXF	CurrencyShares Swiss Franc Trust

Others
EQUITY	UUP	PowerShares DB US Dollar Index Bullish
Bear Market	TBT	UltraShort Lehman 20+ Trsy ProShares

We provide two types of investment model portfolios for gil 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.