PFIZER SAVINGS PLAN FOR EMPLOYEES RESIDENT IN PUERTO RICO Investment Model Portfolios

Pfizer Inc., a biopharmaceutical company, engages in the discovery, development, manufacture, and marketing of prescription medicines for humans and animals worldwide. The company's Biopharmaceutical segment offers products in the areas of primary care, specialty care, established products, emerging markets, and oncology customer-focused units.

Investment options of PFIZER SAVINGS PLAN FOR EMPLOYEES RESIDENT IN PUERTO RICO

Total Available Funds: 20

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	VFINX	NTGI -QM Collective Daily S&P 500 Equity Index Fund – Lending
SMALL BLEND	VTWO	NTGI-QM Collective Daily Russell 2000 Index Fund – Lending
LARGE VALUE	EHSTX	Eaton Vance Large Cap Value Fund
Mid-Cap Growth	FMCSX	Fidelity Mid Cap Stock Fund
LARGE GROWTH	FDGRX	Fidelity Growth Company Fund
MID-CAP BLEND	FLPSX	Fidelity Low Price Stock Fund
SMALL BLEND	PASVX	T. Rowe Price Small Cap Fund

Others
Retirement Income	STLAX	BlackRock Lifepath Retirement Fund
Target Date 2016-2020	STLCX	Blackrock Lifepath 2020 Fund
Target Date 2026-2030	STLDX	BlackRock Lifepath 2030 Fund
Target Date 2036-2040	STLEX	BlackRock Lifepath 2040 Fund
EQUITY	PFE	Pfizer Inc.common stock

FIXED INCOME
Inflation-Protected Bond	BPRAX	BlackRock US TIPS Fund
Emerging Markets Bond	BAEDX	BlackRock US Debt Index Fund K
SHORT GOVERNMENT	STABLEVALUE	T. Rowe Price Stable Value Common Trust Fund
Short-Term Bond	VFSTX	NTGI Collective Short-Term Investment Fund
Short-Term Bond	VFSTX	NTGI Collective Short Term Investment Fund
SHORT GOVERNMENT	STABLEVALUE	T. Rowe Price Stable Value Fund

INTERNATIONAL EQUITY
Foreign Small/Mid Value	DFTWX	Capital Guardian All Country World (ex-U.S.) Equity Fund – Unit Class I
Foreign Large Value	DODFX	Dodge & Cox International Stock Fund

Investment model portfolios

We provide two types of investment model portfolios for PFIZER SAVINGS PLAN FOR EMPLOYEES RESIDENT IN PUERTO RICO 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

Example model portfolios

The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.

Strategic Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

The return data shown below all delayed by 3 months. Their latest dates are all the same: 06/30/2021.
AR inception is since 12/31/2000.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
PFIZER SAVINGS PLAN FOR EMPLOYEES RESIDENT IN PUERTO RICO Tactical Asset Allocation Moderate	NA	37.68%	13.68%	9.81%	6.54%	6.25%	7.11%	7.33%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	41.27%	18.56%	17.59%	14.72%	10.63%	8.45%	8.27%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	23.15%	10.75%	9.99%	7.67%	6.56%	6.28%	6.20%

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Inception	YTD	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	PFIZER SAVING... Moderate	0.06	37.68	13.68	9.81	6.54	6.25	7.11	7.33	NA	NA	NA	NA	16.80	25.21	7.46	-9.98	9.85	8.38	-2.67	0.47	12.26	5.40	1.33	8.30	10.23	-8.59	8.71	12.95	4.19	12.02	21.51	2.51	7.65	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	1.33	41.27	18.56	17.59	14.72	10.63	8.45	8.27	NA	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA...R SHARES)	0.59	23.15	10.75	9.99	7.67	6.56	6.28	6.20	NA	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	PFIZER SAVING... Moderate	NA	1.73	0.68	0.60	0.58	NA	NA	0.66	NA	NA	NA	NA	0.78	0.95	1.15	-1.60	1.80	1.71	-0.56	0.08	1.83	1.12	0.15	0.75	1.37	-1.62	0.61	1.21	0.36	1.58	3.78	0.38	1.67	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	0.23	0.32	0.74	0.56	NA	NA	0.44	-0.70	1.44	1.69	-0.81	2.17	0.53	2.40	-0.34	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.15	1.24	0.25	0.88	1.63	-0.90	-0.68	-0.59	0.98	1.24	1.62	1.63	4.33	-0.18	0.91	0.58	1.92	-0.53	1.73	0.60	0.00	0.31	1.49	-0.24	0.80	0.65	-1.27	1.19	-3.84
	VSMGX (VANGUA...R SHARES)	NA	0.29	0.15	0.51	0.38	NA	NA	0.49	-0.10	0.48	1.37	-1.22	1.32	0.70	2.78	-0.86	3.76	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.41	1.36	0.50	1.49	2.09	-0.75	-0.58	-0.23	1.08	1.57	1.57	0.93	4.20	4.63	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	PFIZER SAVING... Moderate	NA	18.65	18.64	14.98	11.22	NA	NA	9.40	NA	NA	NA	NA	21.43	26.21	5.27	7.05	5.12	4.78	4.82	5.78	6.69	4.77	8.73	10.93	7.38	5.88	9.35	7.98	5.63	7.00	5.51	3.69	3.20	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	19.39	18.60	17.94	18.44	NA	NA	18.12	28.69	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA...R SHARES)	NA	10.43	10.86	10.39	10.40	NA	NA	11.50	14.60	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	PFIZER SAVING... Moderate	NA	7.77	15.56	21.56	21.56	NA	NA	21.56	NA	NA	NA	NA	7.77	15.56	4.24	15.84	1.89	3.18	6.48	6.32	4.97	4.83	7.57	10.29	4.96	14.65	6.94	9.35	5.04	6.24	2.50	4.89	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	18.76	18.76	24.59	33.83	NA	NA	55.25	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA...R SHARES)	NA	9.62	13.24	22.29	22.43	NA	NA	41.18	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	PFIZER SAVING... Moderate	NA	3.94	2.31	1.71	2.25	NA	NA	3.09	NA	NA	NA	NA	1.22	2.87	1.60	2.23	0.37	2.04	1.14	3.03	4.34	3.11	3.03	2.28	2.37	4.12	4.61	3.43	2.88	2.92	3.23	4.44	6.54	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VSMGX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Retirement Plan (401(k)) Info for PFIZER SAVINGS PLAN FOR EMPLOYEES RESIDENT IN PUERTO RICO

PFIZER SAVINGS PLAN FOR EMPLOYEES RESIDENT IN PUERTO RICO

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