THE CAREFIRST 401K PLAN
Investment Model Portfolios

Total Available Funds: 16
Asset Class Ticker Description
US EQUITY
LARGE BLEND VINIX Vanguard Institutional Index Fund: Vanguard Institutional Index Fund; Institutional Shares
Mid-Cap Growth NBGNX Neuberger Berman Equity Funds: Neuberger Berman Genesis Fund; Investor Class
Mid-Cap Growth ARTMX Artisan Partners Funds
LARGE BLEND FDGFX Fidelity Securities Fund: Fidelity Dividend Growth Fund
MID-CAP VALUE GCMAX Goldman Sachs Trust: Goldman Sachs Mid Cap Value Fund; Class A Shares
SMALL BLEND FDSCX Fidelity Capital Trust: Fidelity Stock Selector Small Cap Fund; Stock Selector Small Cap Shares
INTERNATIONAL EQUITY
Foreign Large Blend FDIVX Fidelity Investment Trust: Fidelity Diversified International Fund
Others
Target Date 2026-2030 FFKEX Fidelity Aberdeen Street Trust: Fidelity Freedom K 2030 Fund
Target Date 2016-2020 FFKDX Fidelity Aberdeen Street Trust: Fidelity Freedom K 2020 Fund
Target Date 2036-2040 FFKFX Fidelity Aberdeen Street Trust: Fidelity Freedom K 2040 Fund
Target Date 2046-2050 FFKHX Fidelity Aberdeen Street Trust: Fidelity Freedom K 2050 Fund
Target Date 2000-2010 FFKCX Fidelity Aberdeen Street Trust: Fidelity Freedom K 2010 Fund
Moderate Allocation FPURX Fidelity Puritan Trust: Fidelity Puritan Fund
Retirement Income FFKAX Fidelity Aberdeen Street Trust: Fidelity Freedom K Income Fund
Target Date 2000-2010 FFKBX Fidelity Aberdeen Street Trust: Fidelity Freedom K 2000 Fund
FIXED INCOME
Intermediate-Term Bond FBIDX Fidelity Salem Street Trust: Spartan US Bond Index Fund; Investor Class Shares

The following is a moderate-risk model portfolio constructed from the investment options of THE CAREFIRST 401K 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


Retirement Plan (401(k)) Info for THE CAREFIRST 401K PLAN

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