Contributions: Participants can contribute between 6% and 20% of their eligible pay to the Plan.  Company match: The Company matches the minimum 6% contribution with an amount equal to 7% of the participant’s eligible pay. However, Company matching contributions were suspended from October 1, 2020, until they were reinstated on October 1, 2021. Participants who are 50 or older during the plan year and have maximized their regular pretax and Roth contributions can make additional contributions. Vesting: Participants are immediately vested in their own contributions and all associated earnings. Company contributions vest at 100% after 3 years of service, upon reaching age 65 while employed, or upon death while still an employee. 401(k) Contribution Calculator Bi-Weekly Pay Amount: Age: Calculate function calculateMatch() { const payAmount = parseFloat(document.getElementById(‘payAmount’).value); const age = parseInt(document.getElementById(‘age’).value); const annualLimit = 23000; const catchUpLimit = 7500; let contributionLimit = annualLimit; if (age >= 50) { contributionLimit += catchUpLimit; } const numPayPeriods = 26; // Bi-weekly pay periods in a year const maxContributionPerPaycheck = contributionLimit / numPayPeriods; // Contribution between 6% and 20% of pay const minContributionPercentage = 0.06; const maxContributionPercentage = 0.20; // Company match policy const minMatchPercentage = 0.07; // To maximize the match, we need to contribute at least 6% of pay const minimumContribution = payAmount * minContributionPercentage; const matchPerPaycheck = Math.min(minimumContribution * minMatchPercentage, payAmount * minMatchPercentage); const annualMaxMatch = matchPerPaycheck * numPayPeriods; // Output results document.getElementById(‘contributionAmount’).innerText = `Each Paycheck Contribution Amount: $${minimumContribution.toFixed(2)}`; document.getElementById(‘paycheckMatch’).innerText = `Each Paycheck Match Amount: $${matchPerPaycheck.toFixed(2)}`; document.getElementById(‘annualMaxMatch’).innerText = `Annual Maximum Match Amount: $${annualMaxMatch.toFixed(2)}`; document.getElementById(‘annualContribution’).innerText = `Annual Contribution Amount: $${Math.min(contributionLimit, minimumContribution * numPayPeriods).toFixed(2)}`; }

Participating in the Blue Shield of California Tax Deferred Salary Investment Plan offers a solid foundation for your retirement savings. To maximize the potential of your retirement plan, understanding how to construct a balanced and diversified asset allocation portfolio is crucial. This article will guide you through a structured four-step RAID approach: Risk assessment, Asset allocation, Investment selections, and Disciplined rebalancing. Investment Options Below are your available investment options within the plan:

• FIDELITY BROKERAGELINK MUTUAL FUNDS
• FIDELITY EXTENDED MARKET INDEX FUND MUTUAL FUNDS
• FIDELITY GOVERNMENT CASH RESERVES MUTUAL FUNDS
• FIDELITY U.S. BOND INDEX FUND MUTUAL FUNDS
• BLACKROCK TOTAL RETURN BOND FUND M
• DIAMOND HILL LARGE CAP PORTFOLIO FEE CLASS L
• FIDELITY GROWTH COMPANY COMINGLED POOL CLASS 3
• GALLIARD STABLE VALUE FUND X
• HARDING LOEVNER INTERNATIONAL EQUITY – CLASS BN
• SPARTAN 500 INDEX POOL CLASS E
• STATE STREET TARGET RETIREMENT INCOME FUND CLASS IV
• STATE STREET TARGET RETIREMENT 2020 FUND CLASS IV
• STATE STREET TARGET RETIREMENT 2025 FUND CLASS IV
• STATE STREET TARGET RETIREMENT 2030 FUND CLASS IV
• STATE STREET TARGET RETIREMENT 2050 FUND CLASS IV
• STATE STREET TARGET RETIREMENT 2055 FUND CLASS IV
• STATE STREET TARGET RETIREMENT 2060 FUND CLASS IV
• THE PRINCIPAL DIVERSIFIED REAL ASSET COLLECTIVE INVESTMENT FUND
• VANGUARD INSTITUTIONAL TOTAL INTERNATIONAL STOCK MARKET INDEX TRUST
• WTC-CIF II SMID-CAPE RESEARCH EQUITY SERIES 4

These options cover the following major asset classes:

• US stocks: FIDELITY EXTENDED MARKET INDEX FUND, DIAMOND HILL LARGE CAP PORTFOLIO, FIDELITY GROWTH COMPANY COMINGLED POOL, SPARTAN 500 INDEX POOL, WTC-CIF II SMID-CAPE RESEARCH EQUITY SERIES
• International stocks: HARDING LOEVNER INTERNATIONAL EQUITY, VANGUARD INSTITUTIONAL TOTAL INTERNATIONAL STOCK MARKET INDEX TRUST
• REITs: THE PRINCIPAL DIVERSIFIED REAL ASSET
• Bonds: FIDELITY GOVERNMENT CASH RESERVES, FIDELITY U.S. BOND INDEX FUND, BLACKROCK TOTAL RETURN BOND FUND, GALLIARD STABLE VALUE FUND

Four-Step RAID Approach 1. Risk Assessment Determining your risk profile is the first step. Consider factors such as your age, risk tolerance, job stability, and growth expectations. This comprehensive guide on how to decide your stock allocation can assist in defining your risk profile. Generally, younger investors with longer investment horizons and higher risk tolerance can allocate a larger portion of their portfolio to stocks. Conversely, older investors closer to retirement might prefer a higher allocation to bonds for capital preservation. 2. Asset Allocation Next, decide on the allocation to each major asset class. You can refer to these asset allocation templates for guidance based on your risk profile. Given the available investment options, we cover portfolios for the following major asset classes: US stocks, international stocks, REITs, and bonds. Example of a Moderate Asset Allocation Portfolio:

• 36% US stocks
• 18% International stocks
• 6% REITs
• 40% Bonds

3. Investment Selections Select funds for each asset class:

• US Stocks (36%): Allocate to Spartan 500 Index Pool Class E, Fidelity Growth Company Commingled Pool Class 3, Diamond Hill Large Cap Portfolio Fee Class L
• International Stocks (18%): Allocate to Vanguard Institutional Total International Stock Market Index Trust, Harding Loevner International Equity Class BN
• REITs (6%): The Principal Diversified Real Asset Collective Investment Fund
• Bonds (40%): Fidelity U.S. Bond Index Fund, BlackRock Total Return Bond Fund M

4. Disciplined Rebalancing Regularly monitor your portfolio and rebalance it to maintain your desired asset allocation. Over time, asset performance will cause your allocations to drift. Rebalancing ensures you stay on track to achieve your long-term investment goals. Prioritize low-cost index funds where possible, particularly for the stock portion of your portfolio, to maximize returns by minimizing fees. By following the RAID approach and using the recommended resources, you can effectively construct a balanced and diversified asset allocation portfolio. This will help you achieve your retirement goals in a disciplined and structured manner.

CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Contribution & Match Policies Contributions Participants can contribute up to $23,500 in 2025, with an additional $7,500 catch-up contribution allowed if age 50 or older. Employer Match Employer contributions: The Company matches 50% of each eligible participant’s contribution up to a maximum of 6% of the participant’s eligible compensation. Discretionary company contributions and profit-sharing contributions are also allowed. Vesting Participants are immediately vested in their contributions and discretionary Company contributions. Participants are fully vested in employer matching and profit-sharing contributions allocated to their account after four years of credited service. CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Maximum Match Calculator This calculator helps to decide the minimum contribution you need to get the maximum employer match. Bi-weekly Pay Amount ($): Age: Calculate function calculateMatch() { const pay = parseFloat(document.getElementById(“payInput”).value); const age = parseInt(document.getElementById(“ageInput”).value); const resultsDiv = document.getElementById(“results”); if (isNaN(pay) || isNaN(age) || pay contributionLimit) { targetContribution = contributionLimit; } const biWeeklyContribution = targetContribution / payPeriods; // Match = 50% of employee contribution, capped at 3% of pay const maxEmployerMatch = annualPay * 0.03; const employerMatch = Math.min(targetContribution * 0.5, maxEmployerMatch); const biWeeklyMatch = employerMatch / payPeriods; document.getElementById(“biWeeklyContribution”).innerHTML = “Bi-weekly Minimal Contribution ($): ” + biWeeklyContribution.toFixed(2); document.getElementById(“annualContribution”).innerHTML = “Total Annual Minimal Contribution ($): ” + targetContribution.toFixed(2); document.getElementById(“biWeeklyMatch”).innerHTML = “Bi-weekly Employer Match ($): ” + biWeeklyMatch.toFixed(2); document.getElementById(“annualMatch”).innerHTML = “Total Annual Employer Match ($): ” + employerMatch.toFixed(2); }

Nothing but example

How to Build a Balanced, Diversified Portfolio with the BLOODWORKS NORTHWEST RETIREMENT PLAN Constructing a balanced, diversified portfolio is essential for long-term financial health, especially when it comes to retirement planning. As a participant in the BLOODWORKS NORTHWEST RETIREMENT PLAN, you have a range of investment options available. In this article, we’ll guide you through the process of constructing a well-rounded portfolio using the four-step RAID approach: Risk Assessment, Asset Allocation, Investment Selections, and Disciplined Rebalancing. We’ll focus on utilizing the low-cost index funds available to you whenever possible. Investment Options Available in Your Plan Here are the investment options available to you: Step 1: Risk Assessment The first step in constructing your portfolio is assessing your risk tolerance. Risk tolerance is the degree to which you’re comfortable with the potential for losses in your investments in exchange for the possibility of higher returns. Your risk tolerance should be influenced by your age, job stability, financial goals, and time horizon. To help decide how much of your portfolio should be allocated to stocks versus bonds, you can refer to the MyPlanIQ Get Started Now guide. Typically, younger investors with longer time horizons can afford to take on more risk by allocating a higher percentage to stocks, while those nearing retirement may want to shift more towards bonds for stability. Step 2: Asset Allocation After determining your risk profile, the next step is to decide how to allocate your investments across various asset classes. The main asset classes available to you in the BLOODWORKS NORTHWEST RETIREMENT PLAN include: You can use asset allocation templates discussed in MyPlanIQ’s Asset Allocation Portfolio Templates. For example, a balanced portfolio for a moderate risk investor might allocate 42% to US stocks, 18% to international stocks, and 40% to bonds. Step 3: Investment Selections Once you’ve determined your asset allocation, you’ll need to select the specific funds that match each asset class. For example: Emphasizing low-cost index funds where possible will help you minimize expenses and maximize returns over the long term. Step 4: Disciplined Rebalancing Regular monitoring and rebalancing of your portfolio are crucial for maintaining your desired asset allocation. Over time, market fluctuations can cause your portfolio to drift from its original allocation. For instance, if stocks outperform bonds, your portfolio may become more stock-heavy, increasing your risk level. Periodically rebalancing—selling some of the better-performing assets and buying more of the underperforming ones—helps you stay on track with your investment strategy. Example Portfolio with Moderate Risk Using the principles above, here’s an example of how you might construct a moderate risk (60% stocks, 40% bonds) portfolio: This simple portfolio provides broad diversification across key asset classes while keeping costs low, helping you stay aligned with your retirement goals. Conclusion Constructing a balanced and diversified portfolio is an ongoing process that involves regular monitoring and adjustments. By following the RAID approach—Risk Assessment, Asset Allocation, Investment Selections, and Disciplined Rebalancing—you can build a portfolio that aligns with your risk tolerance, financial goals, and time horizon. Remember, the key to successful retirement investing is to start early, stay consistent, and remain disciplined in your approach. For more information, refer to the MyPlanIQ Four-Step Guide for 401k Retirement Investing and the Asset Allocation Portfolio Templates.