Annuity Investors Life Assurance Co COMMODORE SPIRIT B SHARES
Investment Model Portfolios

This plan also represents Annuity Investors Life Assurance Co COMMODORE SPIRIT B SHARES, Annuity Investors Life Assurance Co FLEX(B) 7-YEAR CDSC B SHARES, Annuity Investors Life Assurance Co TOTALGROUP 5-YEAR CDSC B SHARES, Annuity Investors Life Assurance Co TRANSITION20 4-YEAR CDSC L SHARES。

Total Available Funds: 42
Asset Class Ticker Description
US EQUITY
LARGE VALUE AVVIX America Century VP Large Company Value I
MID-CAP VALUE AVIPX America Century VP Mid Cap Value I
LARGE GROWTH AVPUX America Century VP Ultra I
Mid-Cap Growth AVSIX America Century VP Vista I
LARGE GROWTH CVTRX Calamos Adv Growth & Income
MID-CAP BLEND DPSAX Dreyfus Inv Mid Cap Stk Svc
LARGE GROWTH DAPAX Dreyfus Social Resp Init
LARGE BLEND PEOPX Dreyfus Stock Index Init
LARGE BLEND DGAGX Dreyfus Var Inv Appreciation I
LARGE GROWTH DGRIX Dreyfus Var Inv Growth & Income I
SMALL BLEND DRELX Dreyfus Var Inv Leader I
SMALL BLEND SZCAX DWS VIT Small Cap Index A
Mid-Cap Growth ACDAX Invesco VI Capital Development I
LARGE BLEND CHTRX Invesco VI Core Plus Equity I
SMALL BLEND SMEAX Invesco VI Small Cap Equity I
Mid-Cap Growth JAAGX Janus Aspen Enterprise Inst
LARGE GROWTH JACAX Janus Aspen Forty Inst
LARGE GROWTH JAGRX Janus Aspen Janus Inst
LARGE GROWTH JAGRX Janus Aspen Ovseas Inst
LARGE GROWTH OPTFX Oppenheimer VA Capital Appreciation NS
LARGE BLEND OMSOX Oppenheimer VA Main Street NS
Others
ROOT QDVPA Davis Value Portfolio
Technology DGVRX Dreyfus Inv Technology Growth Inl
ROOT Cash Dreyfus Var Inv Money Market I
Moderate Allocation BETFX FIVIT Ibb Balanced ETF Asset Allocation II
Conservative Allocation CETFX FIVIT Ibb Conservative ETF Asset Allocation II
Conservative Allocation IETFX FIVIT Ibb Income & Growth ETF Asset Allocation II
Financial FSFSX Invesco VI Financial Services I
Health GTHIX Invesco VI Global Health Care I
Moderate Allocation JABLX Janus Aspen Balanced Inst
Moderate Allocation OPASX Oppenheimer VA Balanced NS
ROOT NoTicker UIF US Mid Cap Value I
ROOT NoTicker UIF Value I
Target Date 2011-2015 TZE Wilshire 2015 ETF
Target Date 2021-2025 TZI Wilshire 2025 ETF
Target Date 2031-2035 TZO Wilshire 2035 ETF
INTERNATIONAL EQUITY
Foreign Large Value TEMFX Franklin VIP Foreign Security 2
WORLD STOCK JAWGX Janus Aspen Worldwide Growth Inst
FIXED INCOME
Inflation-Protected Bond PARRX PIMCO VIT Real Return Admn
Intermediate-Term Bond PTRAX PIMCO VIT Total Return Admn
Intermediate-Term Bond UFIPX UIF Core Plus Plus Fxd Income I
REAL ESTATE
REAL ESTATE UUSRX UIF US Real Estate I

The following is a moderate-risk model portfolio constructed from the investment options of Annuity Investors Life Assurance Co COMMODORE SPIRIT B SHARES.

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


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