FGF LLC
Investment Model Portfolios

Total Available Funds: 25

Investment Description
Fidelity Management & Research Contrafund K6
Fidelity Management & Research Diversified International K6
Fidelity Management & Research Extended Market Index
Fidelity Management & Research Freedom Blend 2010 K6
Fidelity Management & Research Freedom Blend 2015 K6
Fidelity Management & Research Freedom Blend 2020 K6
Fidelity Management & Research Freedom Blend 2025 K6
Fidelity Management & Research Freedom Blend 2030 K6
Fidelity Management & Research Freedom Blend 2035 K6
Fidelity Management & Research Freedom Blend 2040 K6
Fidelity Management & Research Freedom Blend 2045 K6
Fidelity Management & Research Freedom Blend 2050 K6
Fidelity Management & Research Freedom Blend 2055 K6
Fidelity Management & Research Freedom Blend 2060 K6
Fidelity Management & Research Freedom Blend 2065 K6
Fidelity Management & Research Freedom Blend Inc K6
Fidelity Management & Research Growth Company K6
Fidelity Management & Research International Index
Fidelity Management & Research Small Cap Discovery
Fidelity Management & Research Small Cap Index
Fidelity Management & Research US Bond Index
Principal Financial Group MidCap Fund R6
T. Rowe Price Dividend Growth Fund I
Vanguard Group Winsdor Admiral
interest ranging from 4.25% to 9.50%, various terms

We provide two types of investment model portfolios for FGF LLC 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.