SYMETRA FINANCIAL RETIREMENT SAVINGS PLAN Investment Model Portfolios

Symetra Financial Retirement Savings Plan is a defined contribution plan with a profit-sharing component and 401k feature.

Investment options of SYMETRA FINANCIAL RETIREMENT SAVINGS PLAN

Total Available Funds: 27

Asset Class

Ticker

Description

US EQUITY
LARGE GROWTH	FDGRX	Fidelity Growth Company Mutual Fund
SMALL VALUE	PSVIX	Allianz NFJ Small Cap Value I Mutual Fund
Mid-Cap Growth	PEEAX	PRU/J Mid Cap GR A Mutual Fund
MID-CAP VALUE	GSMCX	Goldman Sachs Mid Cap Value Inst Mutual Fund
LARGE BLEND	Fidelity Spartan 500 Index	Spartan 500 Index Mutual Fund
LARGE VALUE	ACGLX	Van Kampen Growth Income I Mutual Fund
Small Growth	RVPRX	Royce Value Plus IS Mutual Fund

Others
Moderate Allocation	FBALX	Fidelity Balanced Mutual Fund
Target Date 2011-2015	FFVFX	Fidelity Freedom 2015 Mutual Fund
ROOT	CASH	Fidelity Retirement Money Market Mutual Fund
Target Date 2016-2020	FFFDX	Fidelity Freedom 2020 Mutual Fund
Target Date 2000-2010	FFFCX	Fidelity Freedom 2010 Mutual Fund
Target Date 2021-2025	FFTWX	Fidelity Freedom 2025 Mutual Fund
Target Date 2036-2040	FFFFX	Fidelity Freedom 2040 Mutual Fund
Target Date 2026-2030	FFFEX	Fidelity Freedom 2030 Mutual Fund
Target Date 2031-2035	FFTHX	Fidelity Freedom 2035 Mutual Fund
Target Date 2000-2010	FFFBX	Fidelity Freedom 2000 Mutual Fund
Target Date 2016-2020	FFFDX	Fidelity Freedom 2050 Mutual Fund
Target Date 2041-2045	FFFGX	Fidelity Freedom 2045 Mutual Fund
Retirement Income	FFFAX	Fidelity Freedom Income Mutual Fund
Target Date 2000-2010	FFFVX	Fidelity Freedom 2005 Mutual Fund

FIXED INCOME
Intermediate-Term Bond	FBIDX	Fidelity US Bond Index Mutual Fund
Intermediate-Term Bond	PTTRX	PIMCO Total Return Fund Inst Mutual Fund
Inflation-Protected Bond	VIPIX	Vanguard Inflation-Protected Sec Fund

INTERNATIONAL EQUITY
Foreign Large Blend	FDIVX	Fidelity Diversified International Mutual Fund
FOREIGN SMALL/MID GROWTH	LAIAX	Columbia Acorn International Mutual Fund
Foreign Large Blend	FSIIX	Spartan International Index Mutual Fund

Investment model portfolios

We provide two types of investment model portfolios for SYMETRA FINANCIAL RETIREMENT SAVINGS 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 SYMETRA FINANCIAL RETIREMENT SAVINGS PLAN

SYMETRA FINANCIAL RETIREMENT SAVINGS PLAN

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