INGLES MARKETS INCORPORATED INVESTMENT/PROFIT SHARING PLAN Investment Model Portfolios

Investment options of INGLES MARKETS INCORPORATED INVESTMENT/PROFIT SHARING PLAN

Total Available Funds: 23

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	ESFIX	Evergreen Short Intermediate Bond Fund Class I
Inflation-Protected Bond	PRRIX	Pimco Real Return Fund Inst
High Yield Bond	PHIYX	Pimco High Yield Fund Inst
Intermediate-Term Bond	PTTRX	Pimco Total Return Instl
High Yield Bond	JYHRX	JP Morgan High Yield Fund
Intermediate-Term Bond	LIGRX	Loomis Sayles Investment Grade Bond Fund

US EQUITY
LARGE VALUE	AAGPX	American Beacon Large Cap Value
LARGE VALUE	GSLIX	Goldman Sachs Large Value Fund
LARGE GROWTH	RGAFX	American Funds Growth Fund of America Class A
MID-CAP BLEND	PESPX	Dreyfus MidCap Index Fund, Inc.
SMALL BLEND	DSERX	Dreyfus Premier Small Cap Equity Fund Class I
SMALL BLEND	ASCQX	American Century Small Company I
LARGE BLEND	PRDGX	T Rowe Price Growth Fund
LARGE GROWTH	ESGIX	Evergreen Strategic Growth I
LARGE VALUE	PRFDX	T Rowe Price Equity Income
Small Growth	SSETX	The Boston Company Small Cap Value I
Small Growth	AASOX	Alger Small Cap Inst

INTERNATIONAL EQUITY
FOREIGN SMALL/MID GROWTH	ACINX	Columbia Acorn FD CL Z
Foreign Large Blend	TIVRX	Thornburg Intl Value Fund RS
WORLD STOCK	EKGYX	Evergreen Global Opportunities I

REAL ESTATE
REAL ESTATE	TRREX	T Rowe Price Real Estate Fund

Others
Moderate Allocation	OARBX	Oakmark Equity and Income Fund II

Emerging Market
DIVERSIFIED EMERGING MKTS	LZEMX	Lazard Emerging Markets Inst.

Investment model portfolios

We provide two types of investment model portfolios for INGLES MARKETS INCORPORATED INVESTMENT/PROFIT SHARING 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 INGLES MARKETS INCORPORATED INVESTMENT/PROFIT SHARING PLAN

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