STILLWATER MINING COMPANY BARGAINING UNIT 401(K) PLAN
Investment Model Portfolios

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Total Available Funds: 14
Asset Class Ticker Description
US EQUITY
LARGE GROWTH RGAFX American Funds Growth Fund of Amer Mutual Fund
LARGE BLEND NYVTX Davis Large Cap Value
Mid-Cap Growth BGRFX Baron Growth
Mid-Cap Growth RPMGX T. Rowe Price Retirement Mid Cap Growth Equity II
LARGE BLEND MIGYX Oppenheimer Main Street
MID-CAP BLEND FLVCX Fidelity Advisor Leverage Company Stock
LARGE GROWTH RGAFX American Funds Growth Fund of Amer Mutual Fund
Emerging Market
DIVERSIFIED EMERGING MKTS ODVYX Oppenheimer Developing Mkt
DIVERSIFIED EMERGING MKTS ODVYX Oppenheimer Developing Mkt
FIXED INCOME
Intermediate-Term Bond PTTRX Pacific Investment Management Company Total Return
Intermediate Government BUTDX Northern Tr Indexed Equity
INTERNATIONAL EQUITY
Foreign Large Blend CEUFX American Funds EuroPacific Growth
Others
Target Date 2000-2010 TRRFX T. Rowe Price Retirement Small Company Value
ROOT CASH Interest Bearing Cash

The following is a moderate-risk model portfolio constructed from the investment options of STILLWATER MINING COMPANY BARGAINING UNIT 401(K) 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