BASHAS` RETIREMENTPLUS PLAN Investment Model Portfolios

Investment options of BASHAS` RETIREMENTPLUS PLAN

Total Available Funds: 10

Asset Class

Ticker

Description

US EQUITY
LARGE VALUE	GSLAX	Goldman Sachs Trust: Goldman Sachs Large Cap Value Fund; Class A Shares
Small Growth	VSEIX	JPMorgan Trust I: JPMorgan Small Cap Equity Fund; Select Class Shares
LARGE GROWTH	TRSAX	T Rowe Price Growth Stock Fund
LARGE BLEND	WFIOX	Wells Fargo Funds Trust: Wells Fargo Advantage Index Fund; Administrator Class Shares
MID-CAP VALUE	GSMSX	Goldman Sachs Trust: Goldman Sachs Mid Cap Value Fund; Service Shares

Others
Target Date 2016-2020	WFDTX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2020 Fund; Investor Class Shares
Target Date 2000-2010	WFOAX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2010 Fund; Institutional Class Shares
Target Date 2026-2030	WFETX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2030 Fund; Investor Class Shares

FIXED INCOME
Intermediate-Term Bond	PTRAX	PIMCO Funds: Total Return Fund; Administrative Class Shares

INTERNATIONAL EQUITY
Foreign Large Blend	REREX	EuroPacific Growth Fund; Class R-4 Shares

Investment model portfolios

We provide two types of investment model portfolios for BASHAS` RETIREMENTPLUS 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 BASHAS` RETIREMENTPLUS PLAN

BASHAS' RETIREMENTPLUS PLAN

Click here for more plan details and features ►