Belk 401 K Savings Plan Investment Model Portfolios

Investment options of Belk 401 K Savings Plan

Total Available Funds: 14

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	MWTIX	Metropolitan West Total Return Bond I
Intermediate-Term Bond	PTTRX	PIMCO Total Return Instl
Short-Term Bond	MWLIX	Metropolitan West Low Duration Bond I

US EQUITY
LARGE BLEND	VIFSX	Vanguard 500 Index Signal
Mid-Cap Growth	ACRNX	Columbia Acorn Z
LARGE BLEND	ANCFX	American Funds Fundamental Investors A
LARGE VALUE	LSVEX	LSV Value Equity
LARGE VALUE	ANDAX	Allianz NFJ Dividend Value Admin
SMALL BLEND	ICSCX	ICM Small Company
LARGE BLEND	BTIIX	DWS Equity 500 Index Inst
LARGE GROWTH	AGTHX	American Funds Growth Fund of Amer A

Others
Moderate Allocation	ABALX	American Funds American Balanced A

INTERNATIONAL EQUITY
Foreign Large Growth	TGVIX	Thornburg International Value I
Foreign Large Blend	AEPGX	American Funds EuroPacific Gr A

Investment model portfolios

We provide two types of investment model portfolios for Belk 401 K 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 Belk 401 K Savings Plan

BELK 401K SAVINGS PLAN

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