SOUTH JERSEY INDUSTRIES INC. 401K PLAN Investment Model Portfolios

Investment options of SOUTH JERSEY INDUSTRIES INC. 401K PLAN

Total Available Funds: 18

Asset Class

Ticker

Description

Others
ROOT	CASH	Bank of Amer N.A. Cash Cash
unknown	unknown	Bank of Amer N.A. Bank of Amer N.A. rtmt Preservation Tr Common/Collective Tr
unknown	unknown	Pending Settlement Fund

INTERNATIONAL EQUITY
Foreign Large Growth	AIIEX	AIM AIM International Growth Fund A Mutual Fund
Foreign Large Value	NIIVX	ING ING International Value
Foreign Large Growth	JAOSX	Janus Janus Overseas Fund Class A Mutual Fund

US EQUITY
LARGE GROWTH	RGACX	American American Growth Fund of Amer R3 Mutual Fund
LARGE VALUE	MDBAX	BlackRock Basic Value Fund A Mutual Fund
LARGE BLEND	MASRX	BlackRock S P 500 Index Fund I Mutual Fund
LARGE BLEND	EIUTX	Eaton Vance Eaton Vance Dividend Builder
LARGE VALUE	EHSTX	Eaton Vance Eaton Vance Large-Cap Value Fund A Mutual Fund
SMALL VALUE	FRVLX	Franklin Franklin Small Cap Value Class A Mutual Fund
LARGE GROWTH	JDCAX	Janus Janus Forty Fund A Mutual Fund
Small Growth	PGOAX	Jennison Jennison Small Company Fund Class A Mutual Fund
Mid-Cap Growth	VGRAX	Van Kampen Van Kampen Mid Cap Growth Fund A Mutual Fund
MID-CAP VALUE	FMIVX	Virtus Virtus Mid Cap Value Fund A Mutual Fund

FIXED INCOME
Intermediate-Term Bond	FKBAX	Franklin Franklin Total Return Fund Class A Mutual Fund
Intermediate-Term Bond	PIOBX	Pioneer Pioneer Bond

Investment model portfolios

We provide two types of investment model portfolios for SOUTH JERSEY INDUSTRIES INC. 401K 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 SOUTH JERSEY INDUSTRIES INC. 401K PLAN

SOUTH JERSEY INDUSTRIES, INC. 401(K) PLAN

Click here for more plan details and features ►