Model Portfolios

The model portfolios below are available to you for your ShareBuilder 401(k) Account. The selected ETF index funds and allocation percentage in each model portfolio takes into account the time horizon of an investment and the risk tolerance level that an investor can accept. To access individual fund quote and performance details, as well as a prospectus, click on the symbol.

Model Portfolios:    Stable | Conservative | Balanced | Moderate | Aggressive

Stable Portfolio Back to Top
Stable investors prefer lower-risk investments that don't tie up money in long-term commitments. Their priority is to earn interest while taking minimal risk. Stable investors are low risk investors. They may have a need for income from investments now or in the next 1 to 2 years.
Allocation Chart Symbol Fund Allocation
Stable Pie Chart      DVY iShares Dow Jones Select Dividend Index 7.0%
     SHY iShares Barclays 1-3 Year Treasury Bond 61.0%
     IEF iShares Barclays 7-10 Year Treasury 16.0%
     TIP iShares Barclays TIPS Bond 16.0%

Portfolio Performance* 3 Mo YTD 1 Yr 3 Yr 5 Yr Since Inception Expense Ratio
As of 12/31/2009 0.14% 0.51% 0.51% 2.49% 2.74% 2.97% 0.18%

Conservative Portfolio Back to Top
Conservative investors have a 2 to 5 year time horizon, typically because they are nearing retirement or have a short-term need for their investment. They prefer a higher level of income than does the stable investor. Conservative investors are low to medium risk investors.
Allocation Chart Symbol Fund Allocation
Stable Pie Chart      IWD iShares Russell 1000 Value Index 16.0%
     IWF iShares Russell 1000 Growth Index 13.0%
     IWM iShares Russell 2000 Index 4.0%
     TIP iShares Barclays TIPS Bond 27.0%
     AGG iShares Barclays Aggregate Bond 40.0%

Portfolio Performance* 3 Mo YTD 1 Yr 3 Yr 5 Yr Since Inception Expense Ratio
As of 12/31/2009 0.83% 6.18% 6.18% -1.01% 1.50% 2.32% 0.19%

Balanced Portfolio Back to Top
Balanced investors will have a time horizon of 5 to 10 years and choose to diversify across both aggressive growth-oriented investments and more conservative interest-earning investments. They emphasize income over growth. Balanced investors are medium risk investors.
Allocation Chart Symbol Fund Allocation
Stable Pie Chart      IWD iShares Russell 1000 Value Index 28.0%
     IWF iShares Russell 1000 Growth Index 21.0%
     TIP iShares Barclays TIPS Bond 17.0%
     AGG iShares Barclays Aggregate Bond 27.0%
     IWM iShares Russell 2000 Index 4.0%
     EFA iShares MSCI EAFE Index Fund 3.0%

Portfolio Performance* 3 Mo YTD 1 Yr 3 Yr 5 Yr Since Inception Expense Ratio
As of 12/31/2009 2.34% 11.98% 11.98% -4.80% 0.00% 1.41% 0.20%

Moderate Portfolio Back to Top
Moderate investors will have the same time horizon as balanced investors, 5 to 10 years. However, they will lean toward a slightly more aggressive balance of investments. They emphasize growth over income. Moderate investors are medium to high risk investors.
Allocation Chart Symbol Fund Allocation
Stable Pie Chart      IWD iShares Russell 1000 Value Index 40.0%
     IWF iShares Russell 1000 Growth Index 26.0%
     IWM iShares Russell 2000 Index 6.0%
     EFA iShares MSCI EAFE Index Fund 8.0%
     TIP iShares Barclays TIPS Bond 11.0%
     AGG iShares Barclays Aggregate Bond 9.0%

Portfolio Performance* 3 Mo YTD 1 Yr 3 Yr 5 Yr Since Inception Expense Ratio
As of 12/31/2009 3.64% 18.47% 18.47% -5.91% 0.08% 1.80% 0.21%

Aggressive Portfolio Back to Top
Aggressive investors have a time horizon of more than 10 years. Aggressive investors are willing to risk losing some money from time to time for the potential of making greater returns in the long run. Their focus is on wealth creation. Aggressive investors are high risk investors.
Allocation Chart Symbol Fund Allocation
Stable Pie Chart      IWD iShares Russell 1000 Value Index 47.0%
     IWF iShares Russell 1000 Growth Index 31.0%
     IWM iShares Russell 2000 Index 4.0%
     EFA iShares MSCI EAFE Index Fund 10.0%
     TIP iShares Barclays TIPS Bond 3.0%
     AGG iShares Barclays Aggregate Bond 5.0%

Portfolio Performance* 3 Mo YTD 1 Yr 3 Yr 5 Yr Since Inception Expense Ratio
As of 12/31/2009 4.50% 22.26% 22.26% -6.96% -0.15% 1.90% 0.21%

*These are for illustrative purposes only, are based on past performance, and are not forecasts of future results. All returns are net of the advisory fees and ETF operating expenses.
A Note on Model Portfolio Performance and Considerations
Although ShareBuilder Advisors, LLC, carefully evaluates the make-up of the Model Portfolios on a regular basis, ShareBuilder makes no representation regarding the likelihood or probability that any or all of the portfolios will in fact achieve a particular investment goal or fulfill the risk tolerance profile as described for each portfolio. ShareBuilder is unable to predict or forecast market fluctuations or other uncertainties that may affect the value of any investment and is prohibited by law from making such predictions or projections. As a self-directed investor, you must carefully consider the merit of a 401(k) plan and the appropriateness of the available investments under your employer's plan in light of your own personal financial circumstances, including your other assets, income and investments (e.g. equity in a home, IRA investments, savings accounts and interests in other qualified and non-qualified plans), cash flow needs, tax circumstances, or other complex or subjective concerns. You are urged to use all available resources to educate yourself about investing in general, these investment products in particular, and the composition of the Model Portfolios. As an alternative to the Model Portfolios, you can combine individual exchange trade funds offered in the ShareBuilder 401(k) to create a customized portfolio with a risk and return profile similar to that any of the Model Portfolios, although you should consider obtaining the assistance of a qualified investment advisor in doing so. Monitoring and adjusting your ShareBuilder 401(k) investing plan to suit changing circumstances is your responsibility, and it is recommended that you reassess any investing program on a regular basis to ensure that it remains consistent with your current financial resources and investment objectives.
Advisory services are provided by ShareBuilder Advisors, LLC, a registered investment advisor.
ShareBuilder Advisors, LLC, is a subsidiary of ING Bank, fsb.

401(k) plans are:  Not FDIC insured · Not Bank guaranteed · May lose value

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