UCB INC. 401KRETIREMENT PLAN Investment Model Portfolios

Investment options of UCB INC. 401KRETIREMENT PLAN

Total Available Funds: 13

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Funds: Total Return Fund; Institutional Class Shares
Intermediate-Term Bond	PTTAX	PIMCO Funds: Total Return Fund; Class A Shares

INTERNATIONAL EQUITY
FOREIGN SMALL/MID GROWTH	ACFFX	Columbia Acorn Trust: Columbia Acorn International Select; Class Z Shares
Foreign Large Blend	AEPGX	EuroPacific Growth Fund; Class A Shares

Others
Moderate Allocation	JDBAX	Janus Investment Fund: Janus Balanced Fund; Class A Shares
World Allocation	MALOX	BlackRock Global Allocation Fund
Moderate Allocation	JABAX	Janus Investment Fund: Janus Balanced Fund; Class T Shares

US EQUITY
LARGE VALUE	MADVX	BlackRock Equity Dividend Fund; Institutional Shares
SMALL BLEND	SMVAX	Wells Fargo Funds Trust: Wells Fargo Advantage Small Cap Value Fund; Class A Shares
MID-CAP BLEND	FLPSX	Fidelity Puritan Trust: Fidelity Low-Priced Stock Fund
MID-CAP BLEND	FMDCX	Federated Index Trust: Federated Mid-Cap Index Fund; Service Shares
SMALL BLEND	SSMVX	Wells Fargo Funds Trust: Wells Fargo Advantage Small Cap Value Fund; Investor Class Shares
Small Growth	BSCFX	Baron Investment Funds Trust: Baron Small Cap Fund; Retail Shares

Investment model portfolios

We provide two types of investment model portfolios for UCB INC. 401KRETIREMENT 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 UCB INC. 401KRETIREMENT PLAN

UCB, INC. 401(K) RETIREMENT PLAN

Click here for more plan details and features ►