HARLEYSVILLE GROUP INC RETIREMENT SAVINGS PLUS PLAN
Investment Model Portfolios

Total Available Funds: 11
Asset Class Ticker Description
US EQUITY
MID-CAP BLEND FLPSX Fidelity Puritan Trust: Fidelity Low-Priced Stock Fund
LARGE VALUE FEQIX Fidelity Devonshire Trust: Fidelity Equity-Income Fund
LARGE GROWTH FGCKX Fidelity Mt Vernon Street Trust: Fidelity Growth Company Fund; Class K Shares
LARGE GROWTH FMGKX Fidelity Magellan Fund; Class K Shares
LARGE GROWTH FBGRX Fidelity Securities Fund: Fidelity Blue Chip Growth Fund
FIXED INCOME
Intermediate-Term Bond FTHRX Fidelity Salem Street Trust: Fidelity Intermediate Bond Fund
Muni Pennsylvania FPXTX Fidelity Municipal Trust: Fidelity Pennsylvania Municipal Income Fund
Others
ROOT FRTXX Fidelity Money Market Trust: Retirement Money Market Portfolio
Moderate Allocation FBAKX Fidelity Puritan Trust: Fidelity Balanced Fund; Class K Shares
ROOT SPAXX Fidelity Hereford Street Trust: Fidelity Government Money Market Fund
INTERNATIONAL EQUITY
Foreign Large Blend FIGRX Fidelity Investment Trust: Fidelity International Discovery Fund

The following is a moderate-risk model portfolio constructed from the investment options of HARLEYSVILLE GROUP INC RETIREMENT SAVINGS PLUS 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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