GAPSHARE 401K PLAN Investment Model Portfolios

Investment options of GAPSHARE 401K PLAN

Total Available Funds: 23

Asset Class

Ticker

Description

US EQUITY
LARGE GROWTH	HACAX	Harbor Capital Appreciation Fund Mutual Fund
LARGE VALUE	HWLIX	Hotchkis & Wiley Large Cap Val I Mutual Fund
LARGE BLEND	DSFRX	Domini Social Equity Fund Mutual Fund
SMALL BLEND	NBGIX	Neuberger Berman Genesis Fund Mutual Fund
Small Growth	PRNHX	T. Rowe Price New Horizons Fund Mutual Fund
LARGE BLEND	SPY	RVST Core Balanced Fund II * Collective trust
LARGE BLEND	SPY	RVST Income Fund II * Collective trust
LARGE BLEND	SPY	RVST Equity Index Fund II * Collective trust

Others
Target Date 2000-2010	TRRAX	T Rowe Price Retirement 2010 Fund Mutual Fund
Target Date 2016-2020	TRRBX	T Rowe Price Retirement 2020 Fund Mutual Fund
Target Date 2026-2030	TRRCX	T Rowe Price Retirement 2030 Fund Mutual Fund
Target Date 2036-2040	TRRDX	T Rowe Price Retirement 2040 Fund Mutual Fund
Target Date 2050+	TRRNX	T Rowe Price Retirement 2055 Fund Mutual Fund
Target Date 2050+	TRRMX	T Rowe Price Retirement 2050 Fund Mutual Fund
Target Date 2041-2045	TRRKX	T Rowe Price Retirement 2045 Fund Mutual Fund
Target Date 2031-2035	TRRJX	T Rowe Price Retirement 2035 Fund Mutual Fund
Target Date 2021-2025	TRRHX	T Rowe Price Retirement 2025 Fund Mutual Fund
Target Date 2011-2015	TRRGX	T Rowe Price Retirement 2015 Fund Mutual Fund
Target Date 2000-2010	TRRFX	T Rowe Price Retirement 2005 Fund Mutual Fund
Retirement Income	TRRIX	T Rowe Price Retirement Income Fund Mutual Fund
ROOT	CASH	Money market substitute

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Total Return Fund Mutual Fund

INTERNATIONAL EQUITY
Foreign Large Blend	CEUFX	Europacific Growth Fund Mutual Fund

Investment model portfolios

We provide two types of investment model portfolios for GAPSHARE 401K 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 GAPSHARE 401K PLAN

GAPSHARE 401(K) PLAN

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