ALLIANCE COAL LLC AND AFFILIATES PROFIT SHARING AND SAVINGS PLAN Investment Model Portfolios

Investment options of ALLIANCE COAL LLC AND AFFILIATES PROFIT SHARING AND SAVINGS PLAN

Total Available Funds: 15

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	JETIX	Artio Global Investment Funds: Artio International Equity Fund II; Class I Shares

Others
Target Date 2036-2040	FFFFX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2040 Fund
Target Date 2031-2035	FATHX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2035 Fund; Class A Shares
Target Date 2000-2010	FFFBX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2000 Fund
Retirement Income	FFFAX	Fidelity Aberdeen Street Trust: Fidelity Freedom Income Fund
Moderate Allocation	DODBX	Dodge & Cox Funds: Dodge & Cox Balanced Fund
Target Date 2021-2025	FATWX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2025 Fund; Class A Shares
ROOT	GOIXX	Money Market Obligations Trust: Federated Government Obligations Fund; Institutional Shares
Target Date 2011-2015	FFVAX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2015 Fund; Class A Shares
Target Date 2000-2010	FFIVX	Fidelity Aberdeen Street Trust: Fidelity Advisor Freedom 2005 Fund; Institutional Class Shares

US EQUITY
LARGE VALUE	AADEX	American Beacon Funds: American Beacon Large Cap Value Fund; Institutional Class Shares
MID-CAP VALUE	DEFIX	Tocqueville Trust: Delafield Fund
LARGE BLEND	BTIEX	DWS Institutional Funds: DWS Equity 500 Index Fund; Class S Shares
SMALL BLEND	QUSVX	Quaker Investment Trust: Quaker Small-Cap Value Fund; Class A Shares
LARGE GROWTH	RGAEX	Growth Fund of America

Investment model portfolios

We provide two types of investment model portfolios for ALLIANCE COAL LLC AND AFFILIATES PROFIT SHARING AND SAVINGS PLAN participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.

Customize a model portfolio now

Retirement Plan (401(k)) Info for ALLIANCE COAL LLC AND AFFILIATES PROFIT SHARING AND SAVINGS PLAN

ALLIANCE COAL, LLC AND AFFILIATES PROFIT SHARING AND SAVINGS PLAN

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