OAKWOOD HOMES 401K SAVINGS PLAN AND TRUST Investment Model Portfolios

Investment options of OAKWOOD HOMES 401K SAVINGS PLAN AND TRUST

Total Available Funds: 14

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	PYODX	Pioneer Fund; Class Y Shares
SMALL VALUE	FCVAX	Fidelity Securities Fund: Fidelity Advisor Small Cap Value Fund; Class A Shares
MID-CAP VALUE	FMVSX	Nuveen Investment Funds
SMALL BLEND	FSCIX	FA SMALL CAP I
LARGE GROWTH	FINSX	FA NEW INSIGHTS I
LARGE GROWTH	FNIAX	Fidelity Contrafund: Fidelity Advisor New Insight Fund; Class A Shares
SMALL VALUE	VSCAX	AIM Sector Funds (Invesco Sector Funds): Invesco Small Cap Value Fund; Class A Shares
LARGE VALUE	PYEQX	Pioneer Equity-Income Fund; Class Y Shares

INTERNATIONAL EQUITY
Foreign Large Blend	FAIDX	Fidelity Investment Trust: Fidelity Advisor International Discovery Fund; Class A Shares
Foreign Large Blend	FIADX	FA INTL DISCOVERY I

Others
ROOT	FDAXX	Fidelity Newbury Street Trust: Prime Fund; Daily Money Class
Target Date 2031-2035	FITHX	FA FREEDOM 2035 I

REAL ESTATE
REAL ESTATE	FARCX	NUVEEN REAL ESTATE I

FIXED INCOME
Intermediate-Term Bond	ADFIX	American Century Investment Trust: Diversified Bond Fund; Investor Class Shares

Investment model portfolios

We provide two types of investment model portfolios for OAKWOOD HOMES 401K SAVINGS PLAN AND TRUST 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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