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.
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 |
|
DVY |
iShares DJ Select Div. Index Fund |
7.0% |
| SHY |
iShares Barclays 1 - 3 Year Treasury Bond Fund |
61.0% |
| IEF |
iShares Barclays 7 - 10 Year Treasury Bond Fund |
16.0% |
| TIP |
iShares Barclays TIPS Bond Fund |
16.0% |
| Portfolio Performance* |
3 Mo |
YTD |
1 Yr |
3 Yr |
5 Yr |
Since Inception |
Expense Ratio |
| As of 3/31/2009 |
-2.58% |
-2.58% |
-3.00% |
3.38% |
2.55% |
2.87% |
0.18% |
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 |
|
IWD |
iShares Russell 1000 Value Index |
16.0% |
| IWF |
iShares Russell 1000 Growth Index |
13.0% |
| IWM |
iShares Russell 2000 Index |
4.0% |
| IEF |
iShares Barclays 7 - 10 Year Treasury Bond Fund |
27.0% |
| AGG |
iShares Barclays Aggregate Bond Fund |
40.0% |
| Portfolio Performance* |
3 Mo |
YTD |
1 Yr |
3 Yr |
5 Yr |
Since Inception |
Expense Ratio |
| As of 3/31/2009 |
-6.74% |
-6.74% |
-18.96% |
-3.32% |
-0.30% |
0.15% |
0.19% |
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 |
|
IWD |
iShares Russell 1000 Value Index |
30.0% |
| IWF |
iShares Russell 1000 Growth Index |
22.0% |
| IEF |
iShares Barclays 7 - 10 Year Treasury Bond Fund |
17.0% |
| AGG |
iShares Barclays Aggregate Bond Fund |
27.0% |
| IWM |
iShares Russell 2000 Index |
4.0% |
| Portfolio Performance* |
3 Mo |
YTD |
1 Yr |
3 Yr |
5 Yr |
Since Inception |
Expense Ratio |
| As of 3/31/2009 |
-8.54% |
-8.54% |
-30.44% |
-8.77% |
-2.81% |
-2.24% |
0.19% |
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 |
|
IWD |
iShares Russell 1000 Value Index |
43.0% |
| IWF |
iShares Russell 1000 Growth Index |
28.0% |
| IWM |
iShares Russell 2000 Index |
6.0% |
| EFA |
iShares MSCI EAFE Index Fund |
3.0% |
| IEF |
iShares Barclays 7 - 10 Year Treasury Bond Fund |
11.0% |
| AGG |
iShares Barclays Aggregate Bond Fund |
9.0% |
| Portfolio Performance* |
3 Mo |
YTD |
1 Yr |
3 Yr |
5 Yr |
Since Inception |
Expense Ratio |
| As of 3/31/2009 |
-10.96% |
-10.96% |
-36.04% |
-11.86% |
-4.00% |
-3.36% |
0.20% |
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 |
|
IWD |
iShares Russell 1000 Value Index |
51.0% |
| IWF |
iShares Russell 1000 Growth Index |
34.0% |
| IWM |
iShares Russell 2000 Index |
4.0% |
| EFA |
iShares MSCI EAFE Index Fund |
3.0% |
| IEF |
iShares Barclays 7 - 10 Year Treasury Bond |
3.0% |
| AGG |
iShares Barclays Aggregate Bond Fund |
5.0% |
| Portfolio Performance* |
3 Mo |
YTD |
1 Yr |
3 Yr |
5 Yr |
Since Inception |
Expense Ratio |
| As of 3/31/2009 |
-12.60% |
-12.60% |
-39.76% |
-14.15% |
-4.85% |
-4.17% |
0.20% |
*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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