RETIREMENT SAVINGS PLAN FOR EMPLOYEES OF CONTINENTAL AUTOMOTIVE SYSTEMS Investment Model Portfolios

Investment options of RETIREMENT SAVINGS PLAN FOR EMPLOYEES OF CONTINENTAL AUTOMOTIVE SYSTEMS

Total Available Funds: 15

Asset Class

Ticker

Description

Others
Target Date 2031-2035	WFQWX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2035 Fund; Administrator Class Shares
Retirement Income	WFODX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target Today Fund; Class C Shares
Target Date 2021-2025	WFGYX	Wells Fargo Funds Trust: Wells Fargo Advantage Dow Jones Target 2025 Fund; Investor Class Shares

INTERNATIONAL EQUITY
Foreign Large Blend	FDIVX	Fidelity Investment Trust: Fidelity Diversified International Fund
Foreign Large Blend	FSIIX	Fidelity Concord Street Trust: Spartan International Index Fund; Investor Class Shares
Foreign Large Blend	DODFX	Dodge & Cox Funds: Dodge & Cox International Stock Fund

FIXED INCOME
High Yield Bond	MHCAX	MainStay Funds: MainStay High Yield Corporate Bond Fund; Class A Shares
Intermediate-Term Bond	VBMPX	Vanguard Bond Index Funds: Vanguard Total Bond Market Index Fund; Institutional Plus Shares

US EQUITY
SMALL VALUE	NOSGX	Northern Funds: Small Cap Value Fund
SMALL BLEND	VSCIX	Vanguard Index Funds: Vanguard Small-Cap Index Fund; Institutional Shares
LARGE BLEND	FUSVX	Fidelity Concord Street Trust: Spartan 500 Index Fund; Fidelity Advantage Class Shares
MID-CAP BLEND	PESPX	Dreyfus Midcap Index Fund
Small Growth	AUSAX	Columbia Acorn Trust: Columbia Acorn USA Fund; Class Z Shares
LARGE GROWTH	FCNTX	Fidelity Contrafund

Emerging Market
DIVERSIFIED EMERGING MKTS	GBEMX	RS Investment Trust: RS Emerging Markets Fund; Class A Shares

Investment model portfolios

We provide two types of investment model portfolios for RETIREMENT SAVINGS PLAN FOR EMPLOYEES OF CONTINENTAL AUTOMOTIVE SYSTEMS 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 FOR EMPLOYEES OF CONTINENTAL AUTOMOTIVE SYSTEMS

RETIREMENT SAVINGS PLAN FOR EMPLOYEES OF CONTINENTAL - AUTOMOTIVE SYSTEMS

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