RETIREMENT SAVINGS PLAN Investment Model Portfolios

Investment options of RETIREMENT SAVINGS PLAN

Total Available Funds: 28

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
WORLD STOCK	AFGGX	Alliance/Frontier Growth Fund
WORLD STOCK	RWIFX	American Funds Capital World Growth Income Fund
Foreign Large Growth	FDIVX	Fidelity Diversified International Fund
Foreign Large Value	OAKIX	The Oakmark International I Fund

US EQUITY
LARGE GROWTH	RAFFX	American Funds AMCAP Fund
Mid-Cap Growth	ACRNX	Columbia Acorn Z Fund
LARGE GROWTH	FCNTX	Fidelity Contra Fund
MID-CAP BLEND	FLPSX	Fidelity Low-Priced Stock Fund
SMALL BLEND	NBGEX	Neuberger Berman Genesis Fund
Mid-Cap Growth	RPMGX	T. Rowe Price Retirement Mid Cap Growth Fund
SMALL BLEND	PRSVX	T. Rowe Price Retirement Small Cap Value Fund
LARGE GROWTH	VHCOX	Vanguard Capital Opportunity Fund
LARGE BLEND	VINIX	Vanguard Institutional Index Fund
LARGE BLEND	VASGX	Vanguard LifeStrategy Growth Fund
LARGE GROWTH	VPMCX	Vanguard PRIMECAP Fund
MID-CAP BLEND	VSEQX	Vanguard Strategic Equity Fund
LARGE VALUE	VWNFX	Vanguard Windsor II Fund

Emerging Market
DIVERSIFIED EMERGING MKTS	DFEVX	DFA Emerging Mkts Value I Fund

Others
Moderate Allocation	FBALX	Fidelity Balanced Fund
Conservative Allocation	VSCGX	Vanguard LifeStrategy Conservative Growth Fund
Conservative Allocation	VASIX	Vanguard LifeStrategy Income Fund
Moderate Allocation	VSMGX	Vanguard LifeStrategy Moderate Growth Fund
ROOT	unknow	Fidelity Managed Income Portfolio Fund

REAL ESTATE
REAL ESTATE	REFDX	Morgan Stanley U.S. Real Estate Fund

FIXED INCOME
High Yield Bond	PHIYX	Pacific Investment Management Company High Yield Institutional Fund
LONG GOVERNMENT	PGOVX	Pacific Investment Management Company LT U.S. Government Fund
Inflation-Protected Bond	PRRRX	Pacific Investment Management Company Real Return Fund
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Fund

Investment model portfolios

We provide two types of investment model portfolios for RETIREMENT 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 RETIREMENT SAVINGS PLAN

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