Certified Financial Enrollment - Web Book - Ready - Flipbook - Page 28
Certified Financial Group, Inc. 401(k) & Profit Sharing Plan
MODEL INVESTMENT PORTFOLIOS
as of December 31, 2022
Conservative
Moderately Conservative
Short-Term Investor- Will Need Access to
Money within 3 Years
Very Uncomfortable with Risk Exposure
American Century Mid Cap V
American Funds Bond Fund
Cohen & Steers Instl Realty
JPMorgan Mid Cap Growth
Vanguard Developed Market
PIMCO Income Instl
Wells Fargo Stable Value Fun
Vanguard Growth Index Adm
Vanguard Equity-Income Adm
Vanguard Short-Term Treasur
100
1%
10%
2%
1%
1%
5%
60%
2%
3%
15%
Moderate
May be Suitable for 3 to 5 Year Time
Horizon
Willing to Take Minimal Risk for Possible
Growth
American Century Mid Cap V
American Funds Bond Fund of
Fidelity Advisor® Small C
Invesco Discovery R6
Vanguard Materials Index Adm
Cohen & Steers Instl Realty S
JPMorgan Mid Cap Growth R
Vanguard Developed Markets
PIMCO Income Instl
Wells Fargo Stable Value Fun
Vanguard Growth Index Adm
Vanguard Equity-Income Adm
Vanguard Short-Term Treasur
50
25
25
2%
5%
2%
2%
1%
3%
2%
3%
5%
45%
6%
9%
15%
Moderately Aggressive
Aggressive
Less Risk with 50% of Portfolio
Long-Term Time Horizon
Not Intimidated by Market Volatility
50% Growth Oriented with Stock Funds
Comfortable Investing Majority in Stocks
Ambitious Investment Goals
American Century Mid Cap Val
Dodge & Cox Global Bond
American Funds Bond Fund of
Fidelity Advisor® Small Cap
Invesco Discovery R6
Vanguard Materials Index Adm
Cohen & Steers Instl Realty S
JPMorgan Mid Cap Growth R
Vanguard Developed Markets
Invesco International Small-M
PIMCO Income Instl
Wells Fargo Stable Value Fun
Vanguard Growth Index Admi
Vanguard Equity-Income Adm
American Century Mid Cap V
Dodge & Cox Global Bond
Fidelity Advisor® Small Cap
Invesco Discovery R6
Vanguard Materials Index Adm
Cohen & Steers Instl Realty S
JPMorgan Mid Cap Growth R
Vanguard Developed Markets
Invesco International Small-M
PIMCO Income Instl
Vanguard Growth Index Admi
Vanguard Equity-Income Adm
American Century Mid Cap Value
Dodge & Cox Global Bond
American Funds Bond Fund of Am
Fidelity Advisor® Small Cap V
Invesco Discovery R6
Vanguard Materials Index Admiral
Cohen & Steers Instl Realty Shares
JPMorgan Mid Cap Growth R6
Vanguard Developed Markets Ind
Invesco International Small-Mid C
PIMCO Income Instl
Wells Fargo Stable Value Fund M
Vanguard Growth Index Admiral
Vanguard Equity-Income Adm
25
25
25
25
3%
5%
5%
3%
3%
3%
5%
3%
6%
3%
10%
30%
11%
10%
20
20
20
20
20
7%
5%
5%
7%
8%
3%
5%
8%
10%
5%
5%
15%
9%
8%
20
20
20
20
20
Sample employee model portfolios are intended to illustrate various asset allocations available. The models and allocations are as of the date shown. Each model is rebalanced quarterly, and funds may be
replaced if they fail to meet the criteria outlined in the plan’s investment policy statement. Investment allocations to the various asset classes will change over time. There are no sales charges or transaction
charges for any of the funds in your Plan.
8%
5%
8%
12%
5%
5%
12%
10%
5%
5%
15%
10%