ZS ASSOCIATES INC. 401K PROFIT SHARING PLAN Investment Model Portfolios

Investment options of ZS ASSOCIATES INC. 401K PROFIT SHARING PLAN

Total Available Funds: 14

Asset Class

Ticker

Description

US EQUITY
Mid-Cap Growth	FMCSX	FID MID CAP STOCK
Mid-Cap Growth	BGRFX	Baron Investment Funds Trust: Baron Growth Fund; Retail Shares
MID-CAP BLEND	FLPKX	FID LOW PRICED STK K
LARGE BLEND	FUSEX	Fidelity Concord Street Trust: Spartan 500 Index Fund; Investor Class Shares
LARGE GROWTH	FDFFX	FID INDEPENDENCE
LARGE GROWTH	FDGRX	Fidelity Mt Vernon Street Trust: Fidelity Growth Company Fund
MID-CAP VALUE	FDVLX	FID VALUE

INTERNATIONAL EQUITY
EUROPE STOCK	FIEUX	Fidelity Investment Trust: Fidelity Europe Fund
Foreign Large Blend	FSIVX	SPTN INTL INDEX ADV
Foreign Large Blend	FOSFX	Fidelity Investment Trust: Fidelity Overseas Fund

FIXED INCOME
Intermediate Government	FGMNX	Fidelity Income Fund: Fidelity GNMA Fund

Others
Moderate Allocation	JDBAX	Janus Investment Fund: Janus Balanced Fund; Class A Shares
ROOT	FRTXX	Fidelity Money Market Trust: Retirement Money Market Portfolio

Emerging Market
DIVERSIFIED EMERGING MKTS	DFEVX	DFA EMERG MKTS VAL I

Investment model portfolios

We provide two types of investment model portfolios for ZS ASSOCIATES INC. 401K PROFIT SHARING 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 ZS ASSOCIATES INC. 401K PROFIT SHARING PLAN

ZS ASSOCIATES, INC. 401(K) PROFIT SHARING PLAN

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