ASSET ALLOCATION WORKSHEET
(To make changes, call (800) 352-0313 or Log on to Your Account at www.ccoera.org*)
Investor Profile Questions (Please complete and use responses for Investor Profile Summary below)
A. Time Horizon (Estimate your years “to” retirement and your years “in” retirement)
________
________
1. Years “To” Retirement (Account Accumulation Period)
2. Years “In” Retirement (Account Payout Period)
Total Score:
B. Risk Tolerance (Rate your response to these statements, from 1/Strongly Disagree to 5/Strongly Agree)
1. I am willing to invest on a long-term basis (10-20 years).
2. I have savings other than my retirement plan that makes me feel
secure about my current financial situation.
3. I am a knowledgeable investor. I understand the trade-off
between investment risk & return. I am willing to accept greater
risk for potentially higher investment returns.
4. If my investments dropped 20% in a market decline, I would hold
them until the they recovered their lost value.
________
________
________
________
Total Score:
C. Investor Approach/Behavior
Delegator (Defer to an Investment Professional - use an Automatically Allocated Portfolio below)
Help-Me-Do-It (Seek counseling to help with decisions - work with a CCOERA Investment Counselor)
Do-It-Myself (Research & analyze options on your own - create an Individually Allocated Portfolio on back)
Investor Profile Summary (Use Time Horizon & Risk Tolerance Scores to determine your Investor Profile)
Time Horizon Score
Risk Score (4-8)
Risk Score (9-14)
Risk Score (15-20)
20-40
41-59
60+
Very Conservative
Conservative
Moderate
Conservative
Moderate
Aggressive
Moderate
Aggressive
Very Aggressive
Automatically Allocated Portfolio (CCOERA’s Pension Portfolios)
PENSION PORTFOLIO 1
PENSION PORTFOLIO 2
PENSION PORTFOLIO 3
RISK: Very Conservative
RISK: Conservative
RISK: Moderate
ALLOCATION: Asset/Fund
Fixed 75%
ALLOCATION: Asset/Fund
Fixed 54%
ALLOCATION: Asset/Fund
Fixed 35%
62% CCOERA Book Value
10% MainStay Floating Rate
3% PIMCO High Yield
Equity 14%
2%
2%
2%
1%
2%
2%
3%
Vanguard Instl 500
Dodge & Cox Stock
Harbor Cap App
Fidelity Contrafund
Am Beacon Intl
Am Funds EuroPacific
Am Beacon Sm Cap
Alternatives 11%
10% Low Correlated Hedge
1% Commodities
42% CCOERA Book Value
8% MainStay Floating Rate
4% PIMCO High Yield
Equity 34%
4.5% Vanguard Instl 500
5% Dodge & Cox Stock
5% Harbor Cap App
1.5% Fidelity Contrafund
5% Am Beacon Intl
4% Am Funds EuroPacific
4% Artisan Mid Cap
3% Am Beacon Sm Cap
2% Cohen & Steers Realty
Alternatives 12%
10% Low Correlated Hedge
2% Commodities
20% CCOERA Book Value
6% MainStay Floating Rate
4% PIMCO Total Return
4% PIMCO High Yield
1% Opportunistic Fixed
Equity 51%
7.5% Vanguard Instl 500
7.5% Dodge & Cox Stock
7.5% Harbor Cap App
2.5% Fidelity Contrafund
7% Am Beacon Intl
6% Am Funds EuroPacific
5% Artisan Mid Cap
5% Am Beacon Sm Cap
3% Cohen & Steers Realty
Alternatives 14%
10% Low Correlated Hedge
4% Commodities
PENSION PORTFOLIO 4
RISK: Aggressive
ALLOCATION: Asset/Fund
Fixed 16%
8% PIMCO Total Return
4% MainStay Floating Rate
2% PIMCO High Yield
2% Opportunistic Fixed
Equity 68%
10.5% Vanguard Instl 500
10% Dodge & Cox Stock
10% Harbor Cap App
3.5% Fidelity Contrafund
9% Am Beacon Intl
8% Am Funds EuroPacific
7% Artisan Mid Cap
6% Am Beacon Sm Cap
4% Cohen & Steers Realty
Alternatives 16%
10% Low Correlated Hedge
6% Commodities
PENSION PORTFOLIO 5
RISK: Very Aggressive
ALLOCATION: Asset/Fund
Equity 92%
14.5% Vanguard Instl 500
14.5% Dodge & Cox Stock
14.5% Harbor Cap App
4.5% Fidelity Contrafund
12% Am Beacon Intl
12% Am Funds EuroPacific
8% Artisan Mid Cap
7% Am Beacon Sm Cap
5% Cohen & Steers Realty
Alternatives 8%
8% Commodities
Individually Allocated Portfolio (Participant’s Customized Portfolio)
Step 1 Asset Allocation Decisions (First, pick your allocations based on Model Portfolio Allocations)
Your Allocations
A. Investor Profile
___________
B. Fixed Asset Classes
1. Cash/Stable Value
2. Bonds
Total Fixed
________
________
________
C. Equity Asset Classes
1. U.S. Large-cap Funds
a. Index
b. Value
c. Growth
2. U.S. Mid-cap Funds
a. Index
b. Value
c. Growth
3. U.S. Small-cap Funds
a. Index
b. Value
c. Growth
4. Non U.S. Funds
Total Equity
________
________
________
Model Portfolio Allocations (Examples)
Very
Conservative Conservative
Moderate
Aggressive
Very
Aggressive
60%
15%
75%
40%
15%
55%
20%
15%
35%
5%
10%
15%
0%
0%
0%
15%
25%
35%
40%
45%
5%
5%
10%
15%
15%
0%
5%
5%
10%
15%
5%
25%
10%
45%
15%
65%
20%
85%
25%
100%
________
________
________
________
________
________
________
________
EQUITY (Stock Mutual Funds)
FIXED
Step 2 Fund Selection Decision (Finally, select specific funds and allocation percentages)
Fund Class
Fund Name (Ticker Symbol)
VRU Code
Money Market
Stable Value
Investment Grade Bonds
High Yield Bonds
Large-cap Blend/Index
Large-cap Blend/Social
Multi-cap Blend/Growth
Large-cap Value
Large-cap Growth
Foreign Large Value
Foreign Large Blend/Growth
Mid-cap Blend/Index
Mid-cap Blend (Real Estate)
Mid-cap Blend
Mid-cap Growth
Small-cap Blend/Index
Small-cap Value
Fidelity Select Money Market (FSLXX)
CCOERA Book Value Fund
PIMCO Total Return Fund (PTTRX)
PIMCO High Yield Fund (PHIYX)
Vanguard Instl Index 500 Fund (VINIX)
Neuberger Berman Social Resp. (NRSRX)
Fidelity Contrafund (FCNTX)
Dodge & Cox Stock Fund (DODGX)
Harbor Capital Appreciation Fund (HACAX)
American Beacon International (AAIEX)
American Funds EuroPacific Growth (RERGX)
Vanguard Mid-Cap Index Fund (VMCIX)
Cohen & Steers Realty Fund (CSRIX)
Fidelity Low-Priced Fund (FLPSX)
Artisan Mid-Cap Fund (ARTMX)
Vanguard Small-Cap Index Fund (VSISX)
American Beacon Small Cap Value (AVFIX)
8582
7384
6184
6139
4988
1038
4987
4112
4273
1261
1383
3235
8563
3493
3460
2386
2246
CCOERA (4/8/14)
New Contrb.
Totals
%
%
%
%
%
%
%
%
%
%
%
%
%
%
%
%
%
100%
Existing Balances
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
%
%
%
%
%
%
%
%
%
%
%
%
%
%
%
%
%
100%
Personal Use Only - Do Not Mail
*CCOERA is not an investment advisor and does not make any representations nor guarantees as to the future performance, risk or return
of the funds. This plan and its self-direction provisions are intended to constitute a plan similar to that described in section 404(c) of the
Employee Retirement Income security Act and Title 29 of the Code of Federal Regulations Section 2550.404c-1. The fiduciaries of this plan
may be relieved of liability for any losses which are the direct and necessary result of investment instructions given by the employee.