TOTAL FINANCE USA INC. EMPLOYEE SAVINGS PLAN Investment Model Portfolios

Investment options of TOTAL FINANCE USA INC. EMPLOYEE SAVINGS PLAN

Total Available Funds: 25

Asset Class

Ticker

Description

US EQUITY
LARGE VALUE	AAGPX	American Beacon Large Cap Value Fund
Mid-Cap Growth	BGRFX	Baron Growth Fund
LARGE GROWTH	CGRIX	Calamos Growth Fund
LARGE BLEND	FGRIX	Fidelity Growth & Income Portfolio,
LARGE GROWTH	FMAGX	Fidelity Magellan Fund
LARGE BLEND	FUSEX	Spartan U.S. Equity Index Fund
SMALL VALUE	GSSCX	Goldman Sachs Small Cap Value Fund
MID-CAP VALUE	FLMVX	JPMorgan Mid Cap Value Fund

Others
Moderate Allocation	ABALX	American Balanced Fund Class A,
ROOT	CASH	Fidelity Cash Reserves
Retirement Income	FFFAX	Fidelity Freedom Income
Target Date 2000-2010	FFFCX	Fidelity Freedom 2010 Fund
Target Date 2011-2015	FFVFX	Fidelity Freedom 2015 Fund
Target Date 2016-2020	FFFDX	Fidelity Freedom 2020 Fund
Target Date 2021-2025	FFTWX	Fidelity Freedom 2025 Fund
Target Date 2026-2030	FFFEX	Fidelity Freedom 2030 Fund
Target Date 2031-2035	FFTHX	Fidelity Freedom 2035 Fund
Target Date 2036-2040	FFFFX	Fidelity Freedom 2040 Fund,
unknown	unknown	Fidelity Managed Income Portfolio
ROOT	CASH	Fidelity Retirement Money Market Portfolio

FIXED INCOME
SHORT GOVERNMENT	FFXSX	Fidelity Institutional Short-Intermediate Government Fund,
Intermediate-Term Bond	PTRAX	PIMCO Total Return Fund

INTERNATIONAL EQUITY
Foreign Large Blend	FIGRX	Fidelity International Discovery Fund
Foreign Large Value	MSIQX	Morgan Stanley International Equity Portfolio

Emerging Market
DIVERSIFIED EMERGING MKTS	LZEMX	Lazard Emerging Markets Portfolio

Investment model portfolios

We provide two types of investment model portfolios for TOTAL FINANCE USA INC. EMPLOYEE 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 TOTAL FINANCE USA INC. EMPLOYEE SAVINGS PLAN

TOTAL FINANCE USA, INC. EMPLOYEE SAVINGS PLAN

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