WERNER ENTERPRISES INC. AND SUBSIDIARIES EMPLOYEE` 401K RETIREMENT SAVINGS PLAN Investment Model Portfolios

Investment options of WERNER ENTERPRISES INC. AND SUBSIDIARIES EMPLOYEE` 401K RETIREMENT SAVINGS PLAN

Total Available Funds: 10

Asset Class

Ticker

Description

US EQUITY
SMALL VALUE	DEVLX	Delaware Group Equity Funds V: Delaware Small Cap Value Fund; Class A Shares
LARGE VALUE	MFUAX	MassMutual Select Funds: MassMutual Select Fundamental Value Fund; Class A Shares
LARGE BLEND	MFVAX	MassMutual Select Funds: MassMutual Select Focused Value Fund; Class A Shares
MID-CAP VALUE	JDPAX	Janus Investment Fund: Perkins Mid Cap Value Fund; Class A Shares
LARGE GROWTH	VMRGX	Vanguard Morgan Growth Fund; Investor Shares
LARGE BLEND	VITSX	Vanguard Index Funds: Vanguard Total Stock Market Index Fund; Institutional Class Shares
LARGE GROWTH	MLAAX	MainStay Funds: MainStay Large Cap Growth Fund; Class A Shares
Mid-Cap Growth	MEFAX	MassMutual Select Funds: MassMutual Select Mid Cap Growth Equity II Fund; Class A Shares

Others
Moderate Allocation	FMTIX	Franklin Templeton Fund Allocator Series: Franklin Templeton Moderate Allocation Fund; Class A Shares

FIXED INCOME
Intermediate-Term Bond	MSPGX	MassMutual Select Funds: MassMutual Select Pimco Total Return Fund; Class A Shares

Investment model portfolios

We provide two types of investment model portfolios for WERNER ENTERPRISES INC. AND SUBSIDIARIES EMPLOYEE` 401K 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 WERNER ENTERPRISES INC. AND SUBSIDIARIES EMPLOYEE` 401K RETIREMENT SAVINGS PLAN

WERNER ENTERPRISES, INC. AND SUBSIDIARIES EMPLOYEES' 401(K) RETIREMENT PLAN SAVINGS PLAN

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