BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS INC. EMPLOYEE SAVINGS PLAN Investment Model Portfolios

Investment options of BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS INC. EMPLOYEE SAVINGS PLAN

Total Available Funds: 19

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Funds: Total Return Fund; Institutional Class Shares

Others
Target Date 2026-2030	FFKEX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2030 Fund
Target Date 2016-2020	FFKDX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2020 Fund
Target Date 2011-2015	FKVFX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2015 Fund
Target Date 2021-2025	FKTWX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2025 Fund
Target Date 2011-2015	VTXVX	Vanguard Chester Funds: Vanguard Target Retirement 2015 Fund; Investor Class Shares
Target Date 2000-2010	FFKCX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2010 Fund
Target Date 2031-2035	FKTHX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2035 Fund
Target Date 2000-2010	FFKVX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2005 Fund
Retirement Income	FFKAX	Fidelity Aberdeen Street Trust: Fidelity Freedom K Income Fund
Target Date 2000-2010	FFKBX	Fidelity Aberdeen Street Trust: Fidelity Freedom K 2000 Fund

US EQUITY
SMALL BLEND	RSPYX	RS Investment Trust: RS Partners Fund; Class Y Shares
LARGE VALUE	BIGRX	American Century Quantitative Equity Funds
LARGE GROWTH	FGCKX	Fidelity Mt Vernon Street Trust: Fidelity Growth Company Fund; Class K Shares
LARGE VALUE	DODGX	Dodge & Cox Funds: Dodge & Cox Stock Fund
LARGE GROWTH	AGTHX	Growth Fund of America
Small Growth	VEXRX	Vanguard Explorer Fund; Admiral Shares

INTERNATIONAL EQUITY
Foreign Large Blend	AEPGX	EuroPacific Growth Fund; Class A Shares
Foreign Large Blend	RERFX	EuroPacific Growth Fund; Class R-5 Shares

Investment model portfolios

We provide two types of investment model portfolios for BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS INC. EMPLOYEE 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 BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS INC. EMPLOYEE SAVINGS PLAN

BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. EMPLOYEE SAVINGS PLAN

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