CIT GROUP INC. SAVINGS INCENTIVE PLAN Investment Model Portfolios

Investment options of CIT GROUP INC. SAVINGS INCENTIVE PLAN

Total Available Funds: 10

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	JETIX	Artio Global Investment Funds: Artio International Equity Fund II; Class I Shares
WORLD STOCK	RNPFX	New Perspective Fund; Class R-5 Shares

US EQUITY
Small Growth	SSETX	Dreyfus Investment Funds: Dreyfus/Boston Company Small Cap Growth Fund; Class I Shares
LARGE GROWTH	FGCKX	Fidelity Mt Vernon Street Trust: Fidelity Growth Company Fund; Class K Shares
LARGE VALUE	VWNAX	Vanguard Windsor Funds: Vanguard Windsor II Fund; Admiral Shares
MID-CAP BLEND	WHGMX	Advisors' Inner Circle Fund: Westwood SMidCap Fund; Institutional Shares
LARGE GROWTH	RGAFX	Growth Fund of America

Others
Target Date 2026-2030	SWDRX	Schwab Capital Trust: Schwab Target 2030 Fund
Moderate Allocation	FPUKX	Fidelity Puritan Trust: Fidelity Puritan Fund; Class K Shares

FIXED INCOME
Inflation-Protected Bond	VAIPX	Vanguard Bond Index Funds: Vanguard Inflation-Protected Securities Fund; Admiral Shares

Investment model portfolios

We provide two types of investment model portfolios for CIT GROUP INC. SAVINGS INCENTIVE 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 CIT GROUP INC. SAVINGS INCENTIVE PLAN

CIT GROUP, INC. SAVINGS INCENTIVE PLAN

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