PIEDMONT HEALTHCARE INC. 401K TOMORROWPLAN
Investment Model Portfolios

Total Available Funds: 62
Asset Class Ticker Description
US EQUITY
LARGE VALUE AADEX American Beacon Large Cap Value Fund Class Institutional
LARGE GROWTH FCNKX FID CONTRAFUND K
LARGE VALUE AADEX American Beacon Large Cap Value Fund Class Institutional
LARGE GROWTH FCNKX FID CONTRAFUND K
Mid-Cap Growth HAMGX Harbor Mid Cap Growth Fund Institutional Class
MID-CAP VALUE FLMVX JPMorgan Mid Cap Value Fund Institutional Class
SMALL VALUE VISVX LOOMIS SM CAP VAL I
LARGE GROWTH MLAIX MainStay Large Cap Growth Fund Class I
Mid-Cap Growth HAMGX Harbor Mid Cap Growth Fund Institutional Class
Small Growth PJSQX Prudential Jennison Small Company Fund Class Q
MID-CAP VALUE FLMVX JPMorgan Mid Cap Value Fund Institutional Class
SMALL VALUE VISVX LOOMIS SM CAP VAL I
LARGE GROWTH MLAIX MainStay Large Cap Growth Fund Class I
Mid-Cap Growth SCSDX WFA COMMON STOCK IS
LARGE BLEND FXSIX Spartan 500 Index Fund - Institutional Class
Small Growth PJSQX Prudential Jennison Small Company Fund Class Q
Mid-Cap Growth SCSDX WFA COMMON STOCK IS
LARGE BLEND FXSIX Spartan 500 Index Fund - Institutional Class
FIXED INCOME
Inflation-Protected Bond BPRIX BlackRock Inflation Protected Bond Fund Institutional Shares
Inflation-Protected Bond BPRIX BlackRock Inflation Protected Bond Fund Institutional Shares
SHORT GOVERNMENT STABLEVALUE ING Stable Value Account
Intermediate-Term Bond PTTRX PIM TOTAL RT INST
SHORT GOVERNMENT STABLEVALUE ING Stable Value Account
SHORT GOVERNMENT STABLEVALUE Wells Fargo Stable Return Portfolio—Class C
Intermediate-Term Bond PTTRX PIM TOTAL RT INST
Intermediate-Term Bond FXNAX Spartan U.S. Bond Index Fund - Institutional Class
SHORT GOVERNMENT STABLEVALUE Wells Fargo Stable Return Portfolio—Class C
Intermediate-Term Bond FXNAX Spartan U.S. Bond Index Fund - Institutional Class
Others
Target Date 2000-2010 FFKBX FID FREEDOM K 2000
Target Date 2000-2010 FFKVX FID FREEDOM K 2005
Target Date 2000-2010 FFKCX FID FREEDOM K 2010
Target Date 2011-2015 FKVFX FID FREEDOM K 2015
Target Date 2016-2020 FFKDX FID FREEDOM K 2020
Target Date 2021-2025 FKTWX FID FREEDOM K 2025
Target Date 2026-2030 FFKEX FID FREEDOM K 2030
Target Date 2000-2010 FFKBX FID FREEDOM K 2000
Target Date 2031-2035 FKTHX FID FREEDOM K 2035
Target Date 2000-2010 FFKVX FID FREEDOM K 2005
Target Date 2000-2010 FFKCX FID FREEDOM K 2010
Target Date 2036-2040 FFKFX FID FREEDOM K 2040
Target Date 2011-2015 FKVFX FID FREEDOM K 2015
Target Date 2041-2045 FFKGX FID FREEDOM K 2045
Target Date 2016-2020 FFKDX FID FREEDOM K 2020
Target Date 2046-2050 FFKHX FID FREEDOM K 2050
Target Date 2021-2025 FKTWX FID FREEDOM K 2025
Target Date 2050+ FDENX FID FREEDOM K 2055
Target Date 2026-2030 FFKEX FID FREEDOM K 2030
Retirement Income FFKAX FID FREEDOM K INCOME
Target Date 2031-2035 FKTHX FID FREEDOM K 2035
ROOT CASH Fidelity Money Market Trust Retirement Money Market Portfolio
Target Date 2036-2040 FFKFX FID FREEDOM K 2040
Target Date 2041-2045 FFKGX FID FREEDOM K 2045
Target Date 2046-2050 FFKHX FID FREEDOM K 2050
Target Date 2050+ FDENX FID FREEDOM K 2055
Retirement Income FFKAX FID FREEDOM K INCOME
ROOT CASH Fidelity Money Market Trust Retirement Money Market Portfolio
INTERNATIONAL EQUITY
Foreign Large Blend HAINX Harbor International Fund Institutional Class
Foreign Large Blend HAINX Harbor International Fund Institutional Class
Foreign Large Growth OIGYX Oppenheimer International Growth Fund Class Y
WORLD STOCK TWDAX TMPL WORLD FUND ADV
Foreign Large Growth OIGYX Oppenheimer International Growth Fund Class Y
WORLD STOCK TWDAX TMPL WORLD FUND ADV

The following is a moderate-risk model portfolio constructed from the investment options of PIEDMONT HEALTHCARE INC. 401K TOMORROWPLAN.

This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.

Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.

Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.

Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies