SHARP HEALTHCARE 403(B) TAX DEFERRED RETIREMENT PLAN Investment Model Portfolios

Sharp Healthcare 403(b) Tax Deferred Retirement Plan is a defined contribution plan.

Investment options of SHARP HEALTHCARE 403(B) TAX DEFERRED RETIREMENT PLAN

Total Available Funds: 41

Asset Class

Ticker

Description

FIXED INCOME
SHORT GOVERNMENT	STABLEVALUE	Lincoln Financial Stable Value Contract
Intermediate-Term Bond	PTRAX	Pimco Funds Pacific Investment Mgmt Ser Total Return Fund Admin SHS
High Yield Bond	CPHYX	Principal Investors High Yield II Cl A
Short-Term Bond	DLTRX	Delaware Group Treasure Reserves Inc Limited Term
Multisector Bond	OPSIX	Oppenheimer Strategic Income Fund ShareBen Int Class A
Inflation-Protected Bond	VIPSX	Vanguard Inflation Protected Sec Fd
WORLD BOND	TGBAX	Templeton Income Tr Global Bond Advisor
Intermediate-Term Bond	VBTIX	Vanguard Total Bd Mkt Portfolio

US EQUITY
LARGE BLEND	FUSEX	Fidelity Commonwlth Trust Spartan 500 Index Fund
LARGE GROWTH	RGAEX	Growth Fd Amer Inc Class R4
LARGE VALUE	MEIHX	MFS Value Fund R3
Mid-Cap Growth	BMEAX	Blackrock US Opportunities-A
MID-CAP VALUE	JAMVX	Janus Perkins Mid Cap Value Fund Class A Shares
SMALL VALUE	CSMIX	Columbia Fund Tr Cl-A Sm Cap Val L Fd
Small Growth	CSGEX	Blackrock Funds Small Cap Growth Equity Port Inv Cl A
LARGE BLEND	RFNFX	American Fundamental Investors Class R4
LARGE BLEND	RICEX	Investment Co America Class R-4
SMALL BLEND	NMSAX	Columbia Smallcap Index Fund- A
MID-CAP BLEND	NTIAX	Columbia Midcap Index Fund-A
LARGE VALUE	FAIRX	Fairholme Fds Inc Com
MID-CAP VALUE	JAMVX	Janus Invt FD Perkins Mid Cp Vl Inv
Mid-Cap Growth	MERDX	Meridian Growth Fund
LARGE BLEND	VITNX	Vanguard Total Stk Mkt Fd
LARGE BLEND	noticker	Vanguard Funds Emerging Mkt Pt
Small Growth	BCSIX	Nottingham Invt Tr-II Brown Cp Small

INTERNATIONAL EQUITY
Foreign Large Blend	REREX	Euro Pacific Growth Fd Class R4
FOREIGN SMALL/MID GROWTH	PRIDX	T Rowe Price Intl Trust New Int'l Discovery Fund
Foreign Large Blend	VGTSX	Vanguard Fd Total Intl Stk Index Fd
PACIFIC/ASIA EX-JAPAN STK	MAPTX	Matthews Intl Fds Pacific Tiger Fd

REAL ESTATE
REAL ESTATE	IARAX	Aim Investment Securities Fund Real Estate Fund Class A

Emerging Market
DIVERSIFIED EMERGING MKTS	FEMKX	Fidelity Investment Trust Emerging Markets Fund
China Region	MCHFX	Matthews Intl Fds China Fd
Latin America Stock	PRLAX	T Rowe Price Intl Latin Amer Fd

Others
Moderate Allocation	RPBAX	T Rowe Price Balanced Fund Inc Common
ROOT	CASH	Short-term Investment Fund
ROOT	CASH	Russell Trust Company,Cash
ROOT	CASH	TD Ameritrade Corporate Services through Wilmington TrusShort-term Investment Fund
Bear Market	RYURX	Rydex Ser Tr Inverse S&P 500 Strategy Inv
Long-Short	PFATX	Pimco Total Ret Fd Instl
Equity Energy	FSNGX	Fidelity Funds Nat Gas Ptfl
Health	KRXAX	Kinetics Mut Fds Inc Medical Fd

Investment model portfolios

We provide two types of investment model portfolios for SHARP HEALTHCARE 403(B) TAX DEFERRED RETIREMENT 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

Example model portfolios

The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.

Strategic Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
Sharp Healthcare 403(b) Tax Deferred Retirement Plan Tactical Asset Allocation Moderate	NA	24.22%	0.51%	6.66%	4.66%	6.09%	8.27%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	Sharp Healthc… Moderate	-1.47	24.22	0.51	6.66	4.66	6.09	8.27	…	…	NA	-0.15	5.88	12.63	-20.30	14.57	21.72	9.48	-5.16	12.99	2.68	-5.59	3.69	11.89	12.34	-1.24	14.09	31.84	-10.51	21.97	16.64	16.76	13.65	23.56	9.88	8.56	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	-1.79	37.82	8.86	15.20	12.89	14.04	10.46	…	…	NA	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	…	…	NA	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	Sharp Healthc… Moderate	NA	-0.06	-0.37	0.29	0.27	NA	NA	…	…	NA	-0.02	-0.07	0.80	-1.34	1.37	2.53	1.70	-0.87	2.05	0.38	-0.79	0.59	1.79	2.34	-0.11	1.08	3.01	-1.56	1.50	1.39	2.01	1.37	3.99	1.63	1.43	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	Sharp Healthc… Moderate	NA	9.52	12.42	11.42	9.27	NA	NA	…	…	NA	8.91	9.57	10.52	16.19	10.62	8.48	4.75	7.46	6.04	6.51	7.13	6.22	6.61	5.25	11.90	12.93	10.54	7.31	12.67	9.64	7.24	9.28	5.73	5.37	4.37	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	Sharp Healthc… Moderate	NA	7.13	21.94	24.46	24.46	NA	NA	…	…	NA	0.90	6.90	9.61	24.40	5.75	6.48	3.51	11.12	3.59	6.62	9.89	6.49	5.80	3.65	11.97	9.27	4.81	14.77	10.66	13.12	6.34	12.04	2.94	7.41	1.95	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	Sharp Healthc… Moderate	NA	4.29	5.79	4.39	4.04	NA	NA	…	…	NA	NA	0.39	4.39	6.27	5.98	1.83	3.36	2.37	0.47	2.98	7.08	5.73	7.96	4.59	2.09	4.16	4.91	2.79	6.04	8.10	3.25	2.59	2.09	3.68	6.67	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.18	1.60	1.52	2.78	3.91	3.46	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.51	6.00	4.34	4.54	4.38	4.18	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2024, Common starting date is 12/31/2000

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