RUBY TUESDAY INC. SALARY DEFERRAL PLAN Investment Model Portfolios

The symbol of the complany is RT.

Investment options of RUBY TUESDAY INC. SALARY DEFERRAL PLAN

Total Available Funds: 22

Asset Class

Ticker

Description

US EQUITY
SMALL BLEND	SMVAX	Wells Fargo Adv Small Cap Value Fund
LARGE BLEND	NYVTX	Davis NY Venture Fund A
LARGE BLEND	WFVEX	Wells Fargo Adv Index Fund
LARGE GROWTH	AGTHX	American Growth Fund of Amer Class
Mid-Cap Growth	BARAX	Baron Asset
LARGE BLEND	ANCFX	American Funds Fundamental Investors
MID-CAP BLEND	SMCDX	Wells Fargo Adv Mid Cap Disciplined Fund
LARGE VALUE	MEIHX	MFS Value Fund Class R3
Small Growth	WFSIX	Wells Fargo Adv Small Cap Growth Fund

INTERNATIONAL EQUITY
WORLD STOCK	RWIFX	American Capital World G/I Fund
Foreign Large Value	DODFX	Dodge Cox International Stock Fund

Others
Target Date 2036-2040	WFOSX	Wells Fargo Adv Dow Jones Target 2040
Target Date 2026-2030	WFOOX	Wells Fargo Adv Dow Jones Target 2030
Target Date 2016-2020	WFOBX	Wells Fargo Adv Dow Jones Target 2020
Target Date 2050+	WFQFX	Wells Fargo Adv Dow Jones Target 2050
Retirement Income	WOTDX	Wells Fargo Adv Dow Jones Target Today
Target Date 2000-2010	WFOAX	Wells Fargo Adv Dow Jones Target 2010
ROOT	CASH	Wells Fargo Adv Money Mkt

FIXED INCOME
Intermediate-Term Bond	MBFIX	Wells Fargo Adv Total Return Bond Fund
Intermediate-Term Bond	PTTRX	Pimco Total Return
High Yield Bond	PHIYX	Pimco High Yield
SHORT GOVERNMENT	STABLEVALUE	Wells Fargo Stable Return Fund N6

Investment model portfolios

We provide two types of investment model portfolios for RUBY TUESDAY INC. SALARY DEFERRAL 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 RUBY TUESDAY INC. SALARY DEFERRAL PLAN

RUBY TUESDAY SALARY DEFERRAL PLAN

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