ROSS STORES INC. 401K SAVINGS PLAN
Investment Model Portfolios

Total Available Funds: 17
Asset Class Ticker Description
Others
Target Date 2016-2020 WFOBX Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2020 Fund; Institutional Class Shares
Target Date 2000-2010 WFOAX Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2010 Fund; Institutional Class Shares
Target Date 2046-2050 WFQFX Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2050 Fund; Institutional Class Shares
Target Date 2026-2030 WFOOX Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2030 Fund; Institutional Class Shares
Target Date 2036-2040 WFOSX Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2040 Fund; Institutional Class Shares
US EQUITY
SMALL VALUE GSSIX Goldman Sachs Trust: Goldman Sachs Small Cap Value Fund; Institutional Shares
LARGE BLEND SOAVX Spirit of America Investment Fund
LARGE VALUE AAGPX American Beacon Funds: American Beacon Large Cap Value Fund; Investor Class Shares
Mid-Cap Growth BGRIX Baron Investment Funds Trust: Baron Growth Fund; Institutional Class Shares
SMALL BLEND RLPHX Royce Fund: Royce Low-Priced Stock Fund; Investment Class Shares
MID-CAP BLEND VEMSX Vanguard Index Funds: Vanguard Extended Market Index Fund; Signal Shares
LARGE GROWTH RGAFX Growth Fund of America
FIXED INCOME
Intermediate-Term Bond PTTRX PIMCO Funds: Total Return Fund; Institutional Class Shares
Intermediate-Term Bond PTRAX PIMCO Funds: Total Return Fund; Administrative Class Shares
Intermediate-Term Bond VBTSX Vanguard Bond Index Funds: Vanguard Total Bond Market Index Fund; Signal Shares
INTERNATIONAL EQUITY
Foreign Large Blend HRINX Harbor Funds: Harbor International Fund; Administrative Class Shares
Foreign Large Blend RERFX EuroPacific Growth Fund; Class R-5 Shares

The following is a moderate-risk model portfolio constructed from the investment options of ROSS STORES INC. 401K 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