Supplemental Schedule Big Ridge, Inc. 401(k) Profit Sharing Plan and Trust Investment Model Portfolios

Big Lots Inc. (Ticker:BIG) has the “Supplemental Schedule Big Ridge, Inc. 401(k) Profit Sharing Plan and Trust”.

Investment options of Supplemental Schedule Big Ridge, Inc. 401(k) Profit Sharing Plan and Trust

Total Available Funds: 34

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	VBMFX	Vanguard Total Bond Market Index Fund
LONG GOVERNMENT	VUSTX	Vanguard Long-Term Treasury Fund
High Yield Bond	VWEHX	Vanguard High-Yield Corporate Fund
Intermediate Government	VFIIX	Vanguard GNMA Fund
Long-Term Bond	VBLTX	Vanguard Long-Term Bond Index Fund

US EQUITY
LARGE BLEND	VFINX	Vanguard 500 Index Fund
Mid-Cap Growth	RPMGX	T. Rowe Price Mid-Cap Growth Fund
LARGE GROWTH	HACAX	Harbor Capital Appreciation Fund
LARGE VALUE	VWNFX	Vanguard Windsor II Fund
SMALL BLEND	TRSSX	T. Rowe Price Small-Cap Stock Fund
Small Growth	VEXPX	Vanguard Explorer Fund
SMALL BLEND	NAESX	Vanguard Small-Cap Index Fund
LARGE GROWTH	VPMCX	Vanguard PRIMECAP Fund
MID-CAP BLEND	VIEIX	Vanguard Extended Market Index Fund
LARGE BLEND	VITSX	Vanguard Total Stock Market Index Fund
LARGE VALUE	SSHFX	Sound Shore Fund
Mid-Cap Growth	BARAX	Baron Asset Fund

INTERNATIONAL EQUITY
Foreign Large Blend	VWILX	Vanguard International Growth Fund
Foreign Large Blend	VDMIX	Vanguard Developed Markets Index Fund
Foreign Large Value	VTRIX	Vanguard International Value Fund

REAL ESTATE
REAL ESTATE	VGSIX	Vanguard REIT Index Fund

Emerging Market
DIVERSIFIED EMERGING MKTS	VEMIX	Vanguard Emerging Markets Stock Index

Others
Target Date 2000-2010	VTENX	Vanguard Target Retirement 2010 Fund
Target Date 2011-2015	VTXVX	Vanguard Target Retirement 2015 Fund
Target Date 2016-2020	VTWNX	Vanguard Target Retirement 2020 Fund
Target Date 2021-2025	VTTVX	Vanguard Target Retirement 2025 Fund
Target Date 2026-2030	VTHRX	Vanguard Target Retirement 2030 Fund
Target Date 2031-2035	VTTHX	Vanguard Target Retirement 2035 Fund
Target Date 2036-2040	VFORX	Vanguard Target Retirement 2040 Fund
Target Date 2041-2045	VTIVX	Vanguard Target Retirement 2045 Fund
Target Date 2050+	VFIFX	Vanguard Target Retirement 2050 Fund
Retirement Income	VTINX	Vanguard Retirement Savings Trust common/collective trust
EQUITY	BTU	Peabody Energy Stock Fund
ROOT	CASH	Money market substitute

Investment model portfolios

We provide two types of investment model portfolios for Supplemental Schedule Big Ridge, Inc. 401(k) Profit Sharing 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

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
Supplemental Schedule Big Ridge, Inc. 401(k) Profit Sharing Plan and Trust Tactical Asset Allocation Moderate	NA	5.77%	1.89%	3.07%	6.19%	8.41%	NA	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	19.95%	10.69%	13.92%	6.87%	6.81%	7.35%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	12.08%	4.77%	6.55%	4.24%	5.61%	6.40%	…	…

	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 (%)	Supplemental … Moderate	0.03	5.77	1.89	3.07	6.19	8.41	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	2.79	5.45	-7.18	5.13	9.46	3.41	2.24	13.16	20.50	-4.28	18.97	18.40	11.91	12.38	10.17	10.30	7.49	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)	-0.04	19.95	10.69	13.92	6.87	6.81	7.35	…	…	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)	-0.04	12.08	4.77	6.55	4.24	5.61	6.40	…	…	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	Supplemental … Moderate	NA	0.89	0.32	0.63	0.65	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	0.58	0.96	-1.08	0.90	1.45	0.61	0.20	0.99	1.91	-0.64	1.27	1.65	1.29	1.28	1.07	1.31	0.82	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(%)	Supplemental … Moderate	NA	5.74	5.69	5.85	8.91	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	4.61	5.46	6.65	5.70	6.52	5.48	11.32	13.17	10.70	8.18	12.52	9.17	7.57	8.97	8.89	7.00	6.32	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(%)	Supplemental … Moderate	NA	5.94	12.92	12.92	12.92	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	1.69	5.94	12.92	4.34	5.59	3.84	10.93	8.48	4.71	9.01	9.98	11.25	5.39	12.06	12.58	7.18	4.75	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(%)	Supplemental … Moderate	NA	2.98	3.17	3.03	3.94	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	0.28	3.43	2.51	3.78	2.26	3.69	5.36	3.99	5.70	3.58	5.74	3.40	4.33	3.75	6.01	5.37	6.84	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	1.17	1.57	1.51	2.82	3.95	3.54	…	…	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	5.47	5.95	4.32	4.60	4.42	4.27	…	…	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 01/31/2017, Common starting date is 12/31/2000

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