RUPRECHT
Investment Model Portfolios

Total Available Funds: 30

Investment Description
Columbia Overseas Value Inst3 Fund
BlackRock Equity Dividend Fund K
iShares S&P 500 Index Fund Class K
American Funds 2010 Target Date Retirement Fund R6
American Funds 2020 Target Date Retirement Fund R6
American Funds 2030 Target Date Retirement Fund R6
American Funds 2040 Target Date Retirement Fund R6
American Funds 2050 Target Date Retirement Fund R6
American Funds 2015 Target Date Retirement Fund R6
American Funds 2025 Target Date Retirement Fund R6
American Funds 2035 Target Date Retirement Fund R6
American Funds 2045Target Date Retirement Fund R6
American Funds 2055 Target Date Retirement Fund R6
American Funds 2065 Target Date Retirement Fund R6
American Funds 2070 Target Date Retirement Fund R6
MFS Internation Growth Fund Class R6
MFS Growth Fund Class R6
Victory Capital Munder Mid-Cap Core Growth R6
American Funds 2060 Target Date Retirement Fund R6
Victory Capital Sycamore Established Value Fund Class R6
DoubleLine Emerging Markets Fixed Income Fund
iShares Russel Small/Mid-Cap Index Fund Class K
Fidelity U.S. Bond
Fidelity Advisor Focusted Emerging Markets Fund Class Z
Fidelity Advisor Global Commodity Stock Fund Class Z
Fidelity Advisor Capital & Income Fund Class Z
Fidelity Advisor Strategic Divdend and Income Fund
Fidelity Advisor Small Cap Value Fund Class Z
Fidelity Small Cap Growth
maturing through September 2029 –

We provide two types of investment model portfolios for RUPRECHT 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.