ALBEMARLE CORPORATION SAVINGS PLAN
Investment Model Portfolios

Total Available Funds: 14
Asset Class Ticker Description
Others
unknown unknown Merrill Lynch rtmt Preservation Tr Collective trust invested in GIC s BIC s obligations of U.S. government agencies & high quality money market securities
Moderate Allocation OAKBX The Oakmark Equity Income Fund
EQUITY NEU NewMkt Common Stock Fund 1.00 par value
ROOT CASH CMA Money Fund Cash-interest bearing short term money market investments
US EQUITY
SMALL BLEND RTRIX Pacific Investment Management Company Total Return Port. Instl. Fund
LARGE BLEND VINIX Merrill Lynch Equity Index Tr XIII Collective trust indexed to the S P 500 Index
LARGE BLEND NYVTX Davis NY Venture Fund Inc.
Mid-Cap Growth FSGAX Franklin Small-Mid Cap Growth Fund
LARGE GROWTH OTCYX Oppenheimer Capital app Fund
SMALL BLEND LRSPX Lord Abbett Small Cap Value Fund
LARGE GROWTH RGAFX American Growth Fund of Amer Fund
LARGE VALUE ACGMX Van Kampen Growth Income Fund
INTERNATIONAL EQUITY
Foreign Large Value TFEQX Templeton Foreign Fund
FIXED INCOME
WORLD BOND OIBYX Oppenheimer International Fund

The following is a moderate-risk model portfolio constructed from the investment options of ALBEMARLE CORPORATION SAVINGS 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