ALCONA CITIZENS FOR HEALTH INC. 403(B) PLAN
Investment Model Portfolios

Alcona Citizens for Health, Inc. 403(B) Plan is a defined contribution plan.

Total Available Funds: 16
Asset Class Ticker Description
US EQUITY
LARGE GROWTH RGABX American Funds Growth Fund of America Class R2
LARGE BLEND RFNFX American Funds Fundemental Investors Class R2
INTERNATIONAL EQUITY
WORLD STOCK RWIBX American Funds Capital World Growth & Income Class R2
WORLD STOCK RNPBX American Funds New Perspective Class R2
Foreign Large Blend RERBX American Funds Europacific Growth Class R2
WORLD STOCK RSLBX American Funds Smallcap World Class R2
Others
World Allocation RIRBX American Funds Capital Income Builder Class R2
Moderate Allocation RLBBX American Funds American Balanced Class R2
Target Date 2011-2015 RBJTX American Funds Target Date Retirement 2015 Class R2
Target Date 2026-2030 RBETX American Funds Target Date Retirement 2030 Class R2
Target Date 2000-2010 RBCTX American Funds Target Date Retirement 2020 Class R2
Target Date 2000-2010 RBFTX American Funds Target Date Retirement 2035 Class R2
Target Date 2000-2010 RBDTX American Funds Target Date Retirement 2025 Class R2
Target Date 2000-2010 RBKTX American Funds Target Date Retirement 2040 Class R2
ROOT CASH American Funds Money Market Fund Class R2
FIXED INCOME
Intermediate-Term Bond RBFBX American Funds Bond Fund of America Class R2

The following is a moderate-risk model portfolio constructed from the investment options of ALCONA CITIZENS FOR HEALTH INC. 403(B) 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


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