WISCONSIN PUBLIC SERVICE CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN Investment Model Portfolios

Investment options of WISCONSIN PUBLIC SERVICE CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN

Total Available Funds: 19

Asset Class

Ticker

Description

FIXED INCOME
Short-Term Bond	SSHIX	Wells Fargo Short-Term Investment Money Market Fund
Multisector Bond	ACG	AllianceBernstein International Value Fund Mutual fund
Intermediate-Term Bond	VBMFX	Vanguard Total Bond Market Index Fund Mutual fund
ULTRASHORT BOND	NVSIX	Wells Fargo Stable Return Fund Common collective trust

INTERNATIONAL EQUITY
Foreign Large Growth	AIEVX	AIM International Growth Fund Mutual fund

US EQUITY
LARGE GROWTH	CGFFX	American Funds Growth Fund of America Mutual fund
SMALL VALUE	ARTVX	Artisan Small Cap Fund Mutual fund
LARGE VALUE	DODGX	Dodge & Cox Stock Fund Mutual fund
SMALL BLEND	LSCRX	Loomis Sayles Small Cap Value Fund Mutual fund
LARGE BLEND	NPRTX	Neuberger Berman Partners Fund Mutual fund
LARGE BLEND	VTI	Vanguard Total Stock Market Index Fund Mutual fund

Others
Moderate Allocation	FBALX	Fidelity Balanced Fund Mutual fund
Retirement Income	VTINX	Vanguard Target Retirement Fund Mutual fund
Target Date 2000-2010	VTOVX	Vanguard Target Retirement 2005 Fund Mutual fund
Target Date 2011-2015	VTXVX	Vanguard Target Retirement 2015 Fund Mutual fund
Target Date 2021-2025	VTTVX	Vanguard Target Retirement 2025 Fund Mutual fund
Target Date 2031-2035	VTTHX	Vanguard Target Retirement 2035 Fund Mutual fund
Target Date 2041-2045	VTIVX	Vanguard Target Retirement 2045 Fund Mutual fund
ROOT	CASH	Money market substitute

Investment model portfolios

We provide two types of investment model portfolios for WISCONSIN PUBLIC SERVICE CORPORATION EMPLOYEE STOCK OWNERSHIP 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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