Lowe's 401(k) Plan Investment Model Portfolios

Investment options of Lowe's 401(k) Plan

Total Available Funds: 22

Asset Class

Ticker

Description

Others
ROOT	CASH	State Street Bank Money Market Fund
Target Date 2000-2010	VTOVX	Vanguard Target Retirement 2005 Fund Mutual Fund
Target Date 2000-2010	VTENX	Vanguard Target Retirement 2010 Fund Mutual Fund
Target Date 2011-2015	VTXVX	Vanguard Target Retirement 2015 Fund Mutual Fund
Target Date 2016-2020	VTWNX	Vanguard Target Retirement 2020 Fund Mutual Fund
Target Date 2021-2025	VTTVX	Vanguard Target Retirement 2025 Fund Mutual Fund
Target Date 2026-2030	VTHRX	Vanguard Target Retirement 2030 Fund Mutual Fund
Target Date 2031-2035	VTTHX	Vanguard Target Retirement 2035 Fund Mutual Fund
Target Date 2036-2040	VFORX	Vanguard Target Retirement 2040 Fund Mutual Fund
Target Date 2041-2045	VTIVX	Vanguard Target Retirement 2045 Fund Mutual Fund
Target Date 2050+	VFIFX	Vanguard Target Retirement 2050 Fund Mutual Fund
Retirement Income	VTINX	Vanguard Target Retirement Income Fund Mutual Fund
ROOT	CASH	Money market substitute

US EQUITY
LARGE VALUE	TWADX	American Century Value Fund – Institutional Class Mutual Fund
LARGE GROWTH	RGAFX	American Funds EuroPacific Growth Fund Mutual Fund
LARGE GROWTH	ANFCX	American Funds The New Economy Fund Mutual Fund
Small Growth	PSGIX	BlackRock Small Cap Growth Equity Portfolio Mutual Fund
LARGE VALUE	FEQIX	Fidelity Equity-Income Fund Mutual Fund
MID-CAP VALUE	FRBSX	Franklin Balance Sheet Investment Fund Mutual Fund
Mid-Cap Growth	RPMGX	T. Rowe Price Mid-Cap Growth Fund Mutual Fund
LARGE BLEND	VINIX	Vanguard Institutional Index Fund Mutual Fund
SMALL VALUE	VISVX	Vanguard Small Cap Value Index Fund Mutual Fund

Investment model portfolios

We provide two types of investment model portfolios for Lowe's 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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