CSILC 401(k) Plan Investment Model Portfolios

Investment options of CSILC 401(k) Plan

Total Available Funds: 27

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	MRSAX	MFS Research International A
Foreign Large Value	OARIX	Oakmark International II

US EQUITY
LARGE VALUE	SLVAX	Seligman Large Cap Value A
Mid-Cap Growth	HAGAX	Eagle Mid Cap Growth A
SMALL VALUE	DEVLX	Delaware Small Cap Value A
Small Growth	HRSCX	Eagle Small Cap Growth A
MID-CAP VALUE	ACLAX	American Century Mid Cap Value Adv
LARGE BLEND	SENCX	Sentinel Common Stock A
LARGE GROWTH	PRWAX	T. Rowe Price New America Growth
LARGE VALUE	PAFDX	T. Rowe Price Equity Income Adv
MID-CAP VALUE	HWMAX	Hotchkis and Wiley Mid-Cap Value A
Mid-Cap Growth	JDMAX	Janus Enterprise A
LARGE VALUE	DDVAX	Delaware Value A

REAL ESTATE
REAL ESTATE	PHRAX	Virtus Real Estate Securities A

FIXED INCOME
WORLD BOND	TPINX	Templeton Global Bond A
Multisector Bond	NEFZX	Loomis Sayles Strategic Income A
Inflation-Protected Bond	ACITX	American Century Infl-Adj Bond Inv
Intermediate Government	CPTNX	American Century Government Bond Inv
Intermediate-Term Bond	DBLTX	Doubleline Total Return Bond I
Multisector Bond	PONDX	Pimco Income D

Emerging Market
DIVERSIFIED EMERGING MKTS	LZOEX	Lazard Emerging Markets Equity Open

Others
Moderate Allocation	OARBX	Oakmark Equity & Income II
Equity Energy	FSTEX	Invesco Energy Inv
World Allocation	SGENX	First Eagle Global A
EQUITY PRECIOUS METALS	FKRCX	Franklin Gold and Precious Metals A
Technology	WSTYX	Ivy Science & Technology Y
Managed Futures	AQMIX	AQR Managed Futures Strategy I

Investment model portfolios

We provide two types of investment model portfolios for CSILC 401(k) Plan 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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