WATERS EMPLOYEE INVESTMENT PLAN
Investment Model Portfolios

Waters Corporation operates as an analytical instrument manufacturer primarily in the United States, Europe, Japan, and Asia. The company designs, manufactures, sells, and services high performance liquid chromatography (HPLC), ultra performance liquid chromatography (UPLC), and mass spectrometry (MS) instrument systems and support products, including chromatography columns, other consumable products, and post-warranty service plans.

Total Available Funds: 27
Asset Class Ticker Description
US EQUITY
SMALL VALUE WISVX American Beacon Small Cap Value Fund Institutional Class,
LARGE VALUE RWMFX American Funds Washington Mutual Investors Fund – Class R5,
LARGE BLEND ISFIX Davis New York Venture Fund – Class Y,
LARGE GROWTH FGCKX Fidelity Growth Company Fund – Class K,
MID-CAP BLEND FLPKX Fidelity Low-Priced Stock Fund – Class K,
LARGE GROWTH FMGKX Fidelity Magellan Fund – Class K,
Mid-Cap Growth RAISX Rainier Small/Mid Cap Fund - Institutional Class,
LARGE BLEND FUSEX Spartan U.S. Equity Index Fund,,,
Others
Target Date 2000-2010 FFFBX Fidelity Freedom 2000 Fund,
Target Date 2000-2010 FFFVX Fidelity Freedom 2005 Fund,
Target Date 2000-2010 FFFCX Fidelity Freedom 2010 Fund,
Target Date 2011-2015 FFVFX Fidelity Freedom 2015 Fund,
Target Date 2016-2020 FFFDX Fidelity Freedom 2020 Fund,
Target Date 2021-2025 FFTWX Fidelity Freedom 2025 Fund,
Target Date 2026-2030 FFFEX Fidelity Freedom 2030 Fund,
Target Date 2031-2035 FFTHX Fidelity Freedom 2035 Fund,
Target Date 2036-2040 FFFFX Fidelity Freedom 2040 Fund,
Target Date 2041-2045 FFFGX Fidelity Freedom 2045 Fund,
Target Date 2050+ FFFHX Fidelity Freedom 2050 Fund,
Retirement Income FFFAX Fidelity Freedom Income Fund,
Moderate Allocation FPUKX Fidelity Puritan Fund – Class K,
ROOT CASH Fidelity Retirement Government Money Market Portfolio,
ROOT CASH Cash Reserves
INTERNATIONAL EQUITY
Foreign Large Growth FDIKX Fidelity Diversified International Fund – Class K,
Emerging Market
DIVERSIFIED EMERGING MKTS FKEMX Fidelity Emerging Markets Fund – Class K,
FIXED INCOME
Intermediate-Term Bond PTTDX PIMCO Total Return Institutional Class,
Intermediate-Term Bond VBMFX Vanguard Total Bond Market Index Fund Institutional Shares,

The following is a moderate-risk model portfolio constructed from the investment options of WATERS EMPLOYEE INVESTMENT 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 WATERS EMPLOYEE INVESTMENT PLAN

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