HARDINGE INC. RETIREMENT PLAN
Investment Model Portfolios

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Total Available Funds: 22
Asset Class Ticker Description
Others
ROOT CASH Federated Prime Obligation Fund Money Mkt Fund
ROOT CASH Vanguard Prime Money Mkt Fund Money Mkt Fund
unknown unknown Vanguard rtmt Savings Tr Common Collective Tr
Retirement Income PARIX T. Rowe Price Retirement Equity Income Fund Advisor Class Mutual Fund
Target Date 2000-2010 VTOVX Vanguard Target rtmt 2005
Target Date 2011-2015 VTXVX Vanguard Target rtmt 2015
Target Date 2021-2025 VTTVX Vanguard Target rtmt 2025
Target Date 2031-2035 VTTHX Vanguard Target rtmt 2035
Target Date 2041-2045 VTIVX Vanguard Target rtmt 2045
Retirement Income VTINX Vanguard Target rtmt Income Mutual Fund
Moderate Allocation VWELX Vanguard Wellington Fund Investor Shares Mutual Fund
US EQUITY
SMALL BLEND RTRIX Royce Total Return Fund-Financial Intermediary Shares Mutual Fund
Mid-Cap Growth TMGEX Turner Midcap Growth Fund Class I Shares Mutual Fund
LARGE BLEND VFINX Vanguard 500 Index Fund Investor Shares Mutual Fund
Small Growth VEXPX Vanguard Explorer
LARGE GROWTH VGEQX Vanguard Growth Equity
MID-CAP BLEND VIMSX Vanguard Mid-Cap Index
MID-CAP VALUE VMVIX Vanguard Mid-Cap Value Index
SMALL BLEND NAESX Vanguard Small-Cap Index Fund Investor Shares Mutual Fund
INTERNATIONAL EQUITY
Foreign Large Blend VWIGX Vanguard International Growth
Foreign Large Blend VGTSX Vanguard Total International Stock Index
FIXED INCOME
Intermediate-Term Bond VBMFX Vanguard Total Bond Mkt Index

The following is a moderate-risk model portfolio constructed from the investment options of HARDINGE INC. RETIREMENT PLAN.

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


Retirement Plan (401(k)) Info for HARDINGE INC. RETIREMENT PLAN

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