UNITED FIRE GROUP 401(k) PLAN Investment Model Portfolios

Investment options of UNITED FIRE GROUP 401(k) PLAN

Total Available Funds: 22

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
FOREIGN SMALL/MID GROWTH	ARTJX	Artisan International Fund,
Foreign Small/Mid Value	SGOIX	First Eagle Overseas Fund,

Others
Moderate Allocation	DODBX	Dodge & Cox Balanced Fund,
Moderate Allocation	WBBIX	Gabelli Westwood Balanced,
ROOT	SWPIX	Schwab S & P 500 Index Fund,
unknown	unknown	United Fire Stock Fund,
Target Date 2000-2010	SWBRX	Schwab Managed Retirement 2010,
Target Date 2016-2020	SWCRX	Schwab Managed Retirement 2020,
Target Date 2026-2030	SWDRX	Schwab Managed Retirement 2030,
Target Date 2036-2040	SWERX	Schwab Managed Retirement 2040,
Target Date 2036-2040	SWERX	Schwab Managed Retirement 2050,
Retirement Income	SWARX	Schwab Managed Retirement Inc,

US EQUITY
MID-CAP BLEND	FEFAX	First Eagle Fund of America,
LARGE GROWTH	RGAFX	Growth Fund of America,
Small Growth	HSCYX	Hartford Small Co Y,
Mid-Cap Growth	DGRAX	JP Morgan Mid Cap Growth Select,
LARGE BLEND	SLASX	Selected American Shares,
MID-CAP VALUE	TRMCX	T Rowe Price Mid Cap Value,

FIXED INCOME
High Yield Muni	RBHFX	American Funds High Income Trust R4,
Intermediate-Term Bond	PTTRX	PIMCO Total Return Fd,
SHORT GOVERNMENT	STABLEVALUE	Schwab Stable Value Fund Retire,

Emerging Market
DIVERSIFIED EMERGING MKTS	LZOEX	Lazard Emerging Markets Open,

Investment model portfolios

We provide two types of investment model portfolios for UNITED FIRE GROUP 401(k) 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 UNITED FIRE GROUP 401(k) PLAN

UNITED FIRE GROUP 401(K) PLAN

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