STILLWATER MINING COMPANY 401K PLAN Investment Model Portfolios

Investment options of STILLWATER MINING COMPANY 401K PLAN

Total Available Funds: 15

Asset Class

Ticker

Description

Emerging Market
DIVERSIFIED EMERGING MKTS	ODVYX	Oppenheimer Developing Market Fund,
DIVERSIFIED EMERGING MKTS	ODVYX	Oppenheimer Developing Market Fund,

FIXED INCOME
Intermediate-Term Bond	PTRAX	PIMCO Total Return Fund,

US EQUITY
LARGE GROWTH	RGAAX	American Funds Growth Fund of America,
LARGE BLEND	NYVTX	Davis Large Cap Value Fund,
Mid-Cap Growth	BGRFX	Baron Growth Fund,
Mid-Cap Growth	RPMGX	T. Rowe Price Mid Cap Growth Equity II Fund,
MID-CAP BLEND	FLVCX	Fidelity Advisor Leverage Company Stock Fund,
LARGE BLEND	MIGYX	Oppenheimer Main Street Fund,
SMALL BLEND	PRSVX	T. Rowe Price Small Company Value Fund,
LARGE GROWTH	RGAAX	American Funds Growth Fund of America,

INTERNATIONAL EQUITY
Foreign Large Blend	CEUFX	American Funds EuroPacific Growth Fund,
Foreign Large Blend	BIEIX	Northern Trust Indexed Equity Fund,

Others
EQUITY	SWC	Stillwater Mining Company,
ROOT	CASH	Interest Bearing Cash,

Investment model portfolios

We provide two types of investment model portfolios for STILLWATER MINING COMPANY 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 STILLWATER MINING COMPANY 401K PLAN

STILLWATER MINING COMPANY 401(K) PLAN

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