Model Portfolios

Choose a model that fits your goals

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

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.

Stable Portfolio

Allocation chart

Symbol

Fund

Allocation

SHY	iShares Barclays 1-3 Year Treasury Bond	80.0%
TIP	iShares Barclays TIPS Bond	20.0%

Portfolio performance*	3-month	YTD	1-year	3-year	5-year	Since inception	Expense ratio
As of 3/31/2012	0.06%	0.06%	3.49%	3.57%	3.15%	3.64%	0.16%

Conservative Portfolio

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.

Conservative Portfolio

Allocation chart

Symbol

Fund

Allocation

DVY	iShares Dow Jones Select Dividend Index	4.0%
IWD	iShares Russell 1000 Value Index	15.0%
IWF	iShares Russell 1000 Growth Index	8.0%
IWM	iShares Russell 2000 Index	3.0%
VEA	VANGUARD EUROPE PACIFIC ETF	5.0%
TIP	iShares Barclays TIPS Bond	15.0%
BND	VANGUARD TOTAL BOND MARKET	50.0%

Portfolio performance*	3-month	YTD	1-year	3-year	5-year	Since inception	Expense ratio
As of 3/31/2012	4.07%	4.07%	7.40%	11.72%	3.49%	4.70%	0.16%

Balanced Portfolio

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.

Balanced Portfolio

Allocation chart

Symbol

Fund

Allocation

DVY	iShares Dow Jones Select Dividend Index	5.0%
IWD	iShares Russell 1000 Value Index	21.0%
IWF	iShares Russell 1000 Growth Index	8.0%
TIP	iShares Barclays TIPS Bond	10.0%
BND	VANGUARD TOTAL BOND MARKET	40.0%
IWM	iShares Russell 2000 Index	6.0%
VEA	VANGUARD EUROPE PACIFIC ETF	10.0%

Portfolio performance*	3-month	YTD	1-year	3-year	5-year	Since inception	Expense ratio
As of 3/31/2012	5.65%	5.65%	6.00%	15.14%	1.30%	4.15%	0.17%

Moderate Portfolio

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.

Moderate Portfolio

Allocation chart

Symbol

Fund

Allocation

DVY	iShares Dow Jones Select Dividend Index	8.0%
IWD	iShares Russell 1000 Value Index	31.0%
IWF	iShares Russell 1000 Growth Index	15.0%
IWM	iShares Russell 2000 Index	10.0%
VEA	VANGUARD EUROPE PACIFIC ETF	17.0%
BND	VANGUARD TOTAL BOND MARKET	19.0%

Portfolio performance*	3-month	YTD	1-year	3-year	5-year	Since inception	Expense ratio
As of 3/31/2012	9.13%	9.13%	3.78%	18.77%	0.91%	4.63%	0.19%

Aggressive Portfolio

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.

Aggressive Portfolio

Allocation chart

Symbol

Fund

Allocation

DVY	iShares Dow Jones Select Dividend Index	10.0%
IWD	iShares Russell 1000 Value Index	37.0%
IWF	iShares Russell 1000 Growth Index	19.0%
IWM	iShares Russell 2000 Index	13.0%
VEA	VANGUARD EUROPE PACIFIC ETF	21.0%

Portfolio performance*	3-month	YTD	1-year	3-year	5-year	Since inception	Expense ratio
As of 3/31/2012	11.32%	11.32%	2.51%	20.71%	0.36%	4.78%	0.20%

Next Steps

Watch a Demo »

Receive a Quote »

Get a 401(k) Overview »

Speak with our 401(k) Consultants today at:
800-943-6108 x1

Need Help choosing a plan?

*These are for illustrative purposes only, are based on past performance, and are not forecasts of future results. Returns are net of fund expenses. Returns do not reflect the asset management expense that typically ranges between 0.45% and 0.75% dependent on the assets in your company's plan.

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 and a subsidiary of ING Bank, fsb.

ING Bank, fsb, and its subsidiaries, including ShareBuilder Corporation, have been acquired by Capital One Financial Corporation and are no longer affiliated with ING Groep N.V. ("ING"). The trademarks ING, ING DIRECT, ING Lion, and the ING Lion logo, alone or as a part of any trademark, logo, work or domain name are trademarks of ING and are used by permission.

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