Aggressive Allocation Portfolio
Aggressive Allocation Portfolio
Lifestyle Portfolios are multi-asset type investment options that are intended to be managed in accordance with a plan participant's retirement time horizon, long-term return expectations and overall tolerance for risk of principal loss. Since the asset allocation decision is the most important factor in determining investment returns over time, these types of funds provide three "packaged," diversified investment choices for those seeking assistance in making the asset allocation decision. Lifestyle Portfolios are constructed to provide different long-term investment return and risk characteristics that are determined by their underlying sub-funds. The sub-funds are actively managed U.S. Stock, International Stock and U.S. Bond Funds that are also available as "stand-alone" investment funds.
Asset Class: Asset Allocation Category: Lifestyle
FUND FACTS
Inception Date: October 1, 2004
Investment advisory fee for period ended December 31, 2023: 0.08%
12b-1 fee: 0.00%
Other expenses: 0.04%
Total fund annual expenses without waivers or reductions for period ended December 31, 2023: 0.12%
Total waivers, recoupments, and reductions: -0.02%
Net fund annual expenses after waivers or reductions for period ended December 31, 2023: 0.10%
Turnover rate: 13%
If offered through a retirement program, additional fees and expenses may be charged under that program.
Important Information Category is interpreted by Voya? using Fund Company and/or Morningstar category information.
Investment advisory fee reflects a weighted blend of fees charged by the underlying investment options within the Lifestyle Portfolio, based upon the percentage allocations designated by San Bernardino and detailed within the Strategy section.
This Portfolio is not a registered investment company, and interests in the Portfolio have not been registered with the Securities and Exchange Commission. It is only available to participants in the San Bernardino qualified retirement program. Only eligible participants in the plan may invest in the Portfolio.
You can obtain copies of free prospectuses for the underlying funds which contain additional information on the charges and expenses for the funds at any time by calling your local Voya representative. Other fees and expenses may be charged under your
retirement program. More information is included in the enrollment material.
Please refer to the Morningstar Disclosure and Glossary document contained in your plan's eligibility package for additional information. You may always access the most current version of the Disclosure and Glossary at /fundonepagerscolor/DisclosureGloss ary.pdf
Each sub-fund description must accompany this Lifestyle Portfolio description.
Investment Objective The investment objective of the Aggressive Allocation Portfolio is to provide long-term growth of capital with income as a minor consideration. Eighty-five percent (85%) of the total fund assets are allocated to equities and fifteen percent (15%) are allocated to fixed income securities. It is the most aggressive of the three Lifestyle funds in terms of its potential for the greatest investment return as well as the greatest risk. It is most suitable for participants who are able to remain invested for ten or more years, or who are comfortable with the higher short-term fluctuations that are characteristic of investing in equity markets.
Strategy The strategy for the Aggressive Allocation Portfolio is to invest in a combination of active and passive investments in the following proportions: --- 20% in the Sterling Capital Total Return Bond Fund - Class R6 Shares which seeks a high level of current income and a competitive total return. --- 35% in the Fidelity? 500 Index Fund which seeks to provide investment results that correspond to the total return performance of common stocks publicly traded in the United States. --- 8% in the Fidelity? Mid Cap Index Fund which seeks to provide investment results that correspond to the total return of stocks of mid-capitalization United States companies. --- 5% in the Fidelity? Small Cap Index Fund which seeks to provide investment results that correspond to the total return of stocks of small-capitalization United States companies.
13.495-423 (01/24)
CN2678021_0125
--- 32% in the Fidelity? Total International Index Fund which seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets.
Each sub-fund description contains more detailed information regarding the subfunds' Investment Advisers, Portfolio Managers, Investment Objectives, Strategies and Principal Risks, and must accompany this Lifestyle Portfolio description.
Principal Risks All equity (both U.S. and International) and fixed income investments exhibit certain risk characteristics that include the potential for loss of principal value. Generally, the probability of loss of principal is greater with investment funds that also provide the greatest potential for investment return. International stocks do carry additional risks that relate to currency and political uncertainty. The risks of Lifestyle Portfolios are based on the proportionate risk characteristics of the underlying subfunds described above.
Fidelity? 500 Index Fund
Release Date
..............................................................................................................................................................................................................................................................................................1.2..-.3..1..-.2.3..................................
Category
Large Blend
Investment Objective & Strategy
From the investment's prospectus
The investment seeks to provide investment results that correspond to the total return performance of common stocks publicly traded in the United States.
The fund normally invests at least 80% of assets in common stocks included in the S&P 500? Index, which broadly represents the performance of common stocks publicly traded in the United States. It lends securities to earn income.
Past name(s) : Fidelity? 500 Index Institutional Prem.
Volatility and Risk
Volatility as of 12-31-23
Low
Investment
Moderate
High
Category
Risk Measures as of 12-31-23
3 Yr Std Dev
3 Yr Beta
Port Avg Rel S&P 500
17.54
1.00
1.00
.
Rel Cat
1.01
1.04
Portfolio Analysis
Composition as of 11-30-23
U.S. Stocks Non-U.S. Stocks Bonds Cash Other
% Assets
99.3 0.6 0.0 0.1 0.0
Top 10 Holdings as of 11-30-23
% Assets
Microsoft Corp
7.33
Apple Inc
7.27
Inc
3.45
NVIDIA Corp
3.01
A...l.p..h..a..b..e..t...I.n..c...C..l.a..s..s...A................................................................2....0..5.
Meta Platforms Inc Class A
1.89
Alphabet Inc Class C
1.76
Tesla Inc
1.73
Berkshire Hathaway Inc Class B
1.71
UnitedHealth Group Inc
1.33
Principal Risks Lending, Loss of Money, Not FDIC Insured, Index Correlation/ Tracking Error, Issuer, Market/Market Volatility, Equity Securities, Passive Management
Important Information Please refer to the Morningstar Disclosure and Glossary document contained in your plan's eligibility package for additional information. You may always access the most current version of the Disclosure and Glossary at fundonepagerscolor/DisclosureGlossary.pdf
Funds or their affiliates may pay compensation to Voya? affiliates offering a fund. Such compensation may be paid out of distribution, service and/or 12b-1 fees that are deducted from the fund's assets, and/or may be paid directly by the fund's affiliates. Any fees deducted from fund assets are discussed in the fund's prospectus and disclosed in the fund fact sheet. Because these fees are paid on an on-going basis, over time these fees will increase the cost of your investment and may cost you more than paying other types of sales charges. If offered through a retirement program, additional fees and expenses may be charged under that program. NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE INSTITUTION. MAY GO DOWN IN VALUE.
Operations Gross Prosp Exp Ratio Net Prosp Exp Ratio Management Fee 12b-1 Fee Other Fee Miscellaneous Fee(s) Fund Inception Date Total Fund Assets ($mil) Annual Turnover Ratio % Fund Family Name
Notes
0.02% of fund assets 0.02% of fund assets 0.02%
. . 0.00% 05-04-11 471,907.0 3.00 Fidelity Investments
Morningstar Style BoxTM as of 11-30-23
% Mkt Cap
Large Mid Small
G...i.a..n..t.........................................4..6.....7..4.
Large
35.10
Medium
17.83
S...m...a..l.l..........................................0.....3..3.
Value Blend Growth
Micro
0.00
Morningstar Equity Sectors as of 11-30-23
% Fund
h ........C..y..c..l.i.c.a..l.............................................................................2..8....0..3.
r Basic Materials
2.20
t Consumer Cyclical
10.90
y Financial Services
12.50
u Real Estate
2.43
j ........S..e..n..s..i.t.i.v..e...........................................................................5..0....5..8.
i Communication Services
8.61
o Energy
4.10
p Industrials
8.16
a Technology
29.71
k ........D..e..f.e..n...s.i.v..e..........................................................................2..1....3..9.
s Consumer Defensive
6.27
d Healthcare
12.72
f Utilities
2.40
Waiver Data
Type
.
.
Exp. Date
%
.
.
Portfolio Manager(s)
Louis Bottari. Since 2009.
Peter Matthew. Since 2012.
................................................................................................
Advisor
Fidelity Management & Research
Company LLC
Subadvisor
Geode Capital Management, LLC
?2024 Morningstar, Inc., Morningstar Investment ProfilesTM 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at .
?
13.C975-423 (01/24) CN3265965_1225
Fidelity? Small Cap Index Fund
Release Date
..............................................................................................................................................................................................................................................................................................1.2..-.3..1..-.2.3..................................
Category
Small Blend
Investment Objective & Strategy
From the investment's prospectus
The investment seeks to provide investment results that correspond to the total return of stocks of smallcapitalization United States companies.
The fund invests normally at least 80% of its assets in securities included in the Russell 2000? Index. It lends securities to earn income.
Past name(s) : Fidelity? Small Cap Index Instl Prem.
Volatility and Risk
Volatility as of 12-31-23
Low
Moderate
Investment High Category
Risk Measures as of 12-31-23
3 Yr Std Dev
3 Yr Beta
Port Avg Rel S&P 500
21.40
1.22
1.02
.
Rel Cat
1.04
1.03
Principal Risks Lending, Loss of Money, Not FDIC Insured, Index Correlation/ Tracking Error, Issuer, Market/Market Volatility, Equity Securities, Passive Management, Small Cap
Important Information Please refer to the Morningstar Disclosure and Glossary document contained in your plan's eligibility package for additional information. You may always access the most current version of the Disclosure and Glossary at fundonepagerscolor/DisclosureGlossary.pdf
Funds or their affiliates may pay compensation to Voya? affiliates offering a fund. Such compensation may be paid out of distribution, service and/or 12b-1 fees that are deducted from the fund's assets, and/or may be paid directly by the fund's affiliates. Any fees deducted from fund assets are discussed in the fund's prospectus and disclosed in the fund fact sheet. Because these fees are paid on an on-going basis, over time these fees will increase the cost of your investment and may cost you more than paying other types of sales charges. If offered through a retirement program, additional fees and expenses may be charged under that program. NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE INSTITUTION. MAY GO DOWN IN VALUE.
Portfolio Analysis
Composition as of 10-31-23
U.S. Stocks Non-U.S. Stocks Bonds Cash Other
% Assets
97.4 1.8 0.1 0.8 0.0
Top 10 Holdings as of 10-31-23
% Assets
Fidelity? Cash Central Fund
0.71
E-mini Russell 2000 Index Future Dec 2 12-15-23 0.59
Super Micro Computer Inc
0.53
Chord Energy Corp Ordinary Shares - New
0.33
M....a..t.a..d..o...r..R..e..s..o..u..r..c.e...s..C...o............................................................0....3..3.
Light & Wonder Inc Ordinary Shares
0.32
Murphy Oil Corp
0.32
Weatherford International PLC Ordinary Shares -
0.32
New
Comfort Systems USA Inc
0.31
Selective Insurance Group Inc
0.30
Operations Gross Prosp Exp Ratio Net Prosp Exp Ratio Management Fee 12b-1 Fee Other Fee Miscellaneous Fee(s) Fund Inception Date Total Fund Assets ($mil) Annual Turnover Ratio % Fund Family Name
Notes
0.03% of fund assets 0.03% of fund assets 0.03%
. . 0.00% 09-08-11 25,414.9 9.00 Fidelity Investments
Morningstar Style BoxTM as of 10-31-23
% Mkt Cap
Large Mid Small
G...i.a..n..t...........................................0.....0..0.
Large
0.00
Medium
1.65
S...m...a..l.l........................................5..8.....4..5.
Value Blend Growth
Micro
39.90
Morningstar Equity Sectors as of 10-31-23
% Fund
h ........C..y..c..l.i.c.a..l.............................................................................3..6....6..8.
r Basic Materials
4.73
t Consumer Cyclical
10.14
y Financial Services
14.50
u Real Estate
7.31
j ........S..e..n..s..i.t.i.v..e...........................................................................4..1....5..5.
i Communication Services
2.17
o Energy
8.44
p Industrials
15.47
a Technology
15.47
k ........D..e..f.e..n...s.i.v..e..........................................................................2..1....7..6.
s Consumer Defensive
4.43
d Healthcare
14.36
f Utilities
2.97
Waiver Data
Type
.
.
Exp. Date
%
.
.
Portfolio Manager(s)
Louis Bottari. Since 2011.
Peter Matthew. Since 2012.
................................................................................................
Advisor
Fidelity Management & Research
Company LLC
Subadvisor
Geode Capital Management, LLC
?2024 Morningstar, Inc., Morningstar Investment ProfilesTM 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at .
?
13.C993-423 (01/24) CN3265965_1225
Fidelity? Mid Cap Index Fund
Release Date
..............................................................................................................................................................................................................................................................................................1.2..-.3..1..-.2.3..................................
Category
Mid-Cap Blend
Investment Objective & Strategy
From the investment's prospectus
The investment seeks to provide investment results that correspond to the total return of stocks of mid-capitalization United States companies.
The fund invests normally at least 80% of its assets in securities included in the Russell Midcap? Index. It lends securities to earn income.
Past name(s) : Fidelity? Mid Cap Index Instl Prem.
Volatility and Risk
Volatility as of 12-31-23
Low
Moderate
Investment High
Category
Risk Measures as of 12-31-23
3 Yr Std Dev
3 Yr Beta
Port Avg Rel S&P 500
19.38
1.10
1.05
.
Rel Cat
1.01
1.07
Portfolio Analysis
Composition as of 11-30-23
U.S. Stocks Non-U.S. Stocks Bonds Cash Other
% Assets
98.3 1.6 0.0 0.2 0.0
Top 10 Holdings as of 11-30-23
% Assets
Phillips 66
0.60
Parker Hannifin Corp
0.56
Amphenol Corp Class A
0.53
Arthur J. Gallagher & Co
0.53
T..r.a..n..e....T.e..c..h..n..o..l.o..g..i.e..s...P..L..C....C..l.a..s..s...A..............................................0....5..2.
TransDigm Group Inc
0.51
Aflac Inc
0.50
CrowdStrike Holdings Inc Class A
0.50
KKR & Co Inc Ordinary Shares
0.49
Apollo Global Management Inc Class A
0.48
Principal Risks Lending, Loss of Money, Not FDIC Insured, Index Correlation/ Tracking Error, Issuer, Market/Market Volatility, Equity Securities, Passive Management, Mid-Cap
Important Information Please refer to the Morningstar Disclosure and Glossary document contained in your plan's eligibility package for additional information. You may always access the most current version of the Disclosure and Glossary at fundonepagerscolor/DisclosureGlossary.pdf
Funds or their affiliates may pay compensation to Voya? affiliates offering a fund. Such compensation may be paid out of distribution, service and/or 12b-1 fees that are deducted from the fund's assets, and/or may be paid directly by the fund's affiliates. Any fees deducted from fund assets are discussed in the fund's prospectus and disclosed in the fund fact sheet. Because these fees are paid on an on-going basis, over time these fees will increase the cost of your investment and may cost you more than paying other types of sales charges. If offered through a retirement program, additional fees and expenses may be charged under that program. NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE INSTITUTION. MAY GO DOWN IN VALUE.
Operations Gross Prosp Exp Ratio Net Prosp Exp Ratio Management Fee 12b-1 Fee Other Fee Miscellaneous Fee(s) Fund Inception Date Total Fund Assets ($mil) Annual Turnover Ratio % Fund Family Name
Notes
0.03% of fund assets 0.03% of fund assets 0.03%
. . 0.00% 09-08-11 31,271.0 9.00 Fidelity Investments
Morningstar Style BoxTM as of 11-30-23
% Mkt Cap
Large Mid Small
G...i.a..n..t...........................................0.....3..6.
Large
8.73
Medium
75.31
S...m...a..l.l........................................1..5.....3..7.
Value Blend Growth
Micro
0.23
Morningstar Equity Sectors as of 11-30-23
% Fund
h ........C..y..c..l.i.c.a..l.............................................................................3..7....1..8.
r Basic Materials
4.60
t Consumer Cyclical
10.88
y Financial Services
13.74
u Real Estate
7.96
j ........S..e..n..s..i.t.i.v..e...........................................................................4..3....6..8.
i Communication Services
3.69
o Energy
5.26
p Industrials
18.32
a Technology
16.41
k ........D..e..f.e..n...s.i.v..e..........................................................................1..9....1..4.
s Consumer Defensive
3.35
d Healthcare
10.37
f Utilities
5.42
Waiver Data
Type
.
.
Exp. Date
%
.
.
Portfolio Manager(s)
Louis Bottari. Since 2011.
Peter Matthew. Since 2012.
................................................................................................
Advisor
Fidelity Management & Research
Company LLC
Subadvisor
Geode Capital Management, LLC
?2024 Morningstar, Inc., Morningstar Investment ProfilesTM 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at .
?
13.D122-423 (01/24) CN3265965_1225
Fidelity? Total International Index Fund
Release Date
..............................................................................................................................................................................................................................................................................................1.2..-.3..1..-.2.3..................................
Category
Foreign Large Blend
Investment Objective & Strategy
From the investment's prospectus
The investment seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets.
The fund normally invests at least 80% of assets in securities included in the MSCI ACWI (All Country World Index) ex USA Investable Market Index and in depositary receipts representing securities included in the index. The MSCI ACWI (All Country World Index) ex USA Investable Market Index is a market capitalization-weighted index designed to measure the investable equity market performance for global investors of large, mid, and small-cap stocks in developed and emerging markets, excluding the U.S.
Past name(s) : Fidelity? Total Intl Index Instl Premium.
Volatility and Risk
Volatility as of 12-31-23
Investment
Low
Moderate
High
Category
Risk Measures as of 12-31-23
3 Yr Std Dev
3 Yr Beta
Port Avg Rel S&P 500
16.88
0.96
1.03
.
Rel Cat
0.99
1.02
Principal Risks Lending, Emerging Markets, Foreign Securities, Loss of Money, Not FDIC Insured, Country or Region, Index Correlation/Tracking Error, Issuer, Market/Market Volatility, Equity Securities, Passive Management, Small Cap, Mid-Cap
Important Information Please refer to the Morningstar Disclosure and Glossary document contained in your plan's eligibility package for additional information. You may always access the most current version of the Disclosure and Glossary at fundonepagerscolor/DisclosureGlossary.pdf
Portfolio Analysis
Composition as of 11-30-23
U.S. Stocks Non-U.S. Stocks Bonds Cash Other
% Assets
0.7 96.5 0.0 2.7 0.2
Top 10 Holdings as of 11-30-23
% Assets
Fidelity? Cash Central Fund
2.63
MSCI EAFE Index Future Dec 23 12-15-23
2.03
Taiwan Semiconductor Manufacturing Co Ltd
1.56
Novo Nordisk A/S Class B
1.16
N...e..s..t..le....S..A..................................................................................1....0..6.
Tencent Holdings Ltd
0.97
ASML Holding NV
0.96
Samsung Electronics Co Ltd
0.95
MSCI Emerging Markets Index Future
0.89
Dec 12-15-23
Shell PLC
0.75
Morningstar Super Sectors as of 11-30-23
h Cyclical j Sensitive k Defensive
Operations Gross Prosp Exp Ratio Net Prosp Exp Ratio Management Fee 12b-1 Fee Other Fee Miscellaneous Fee(s) Fund Inception Date Total Fund Assets ($mil) Annual Turnover Ratio %
Fund Family Name
0.06% of fund assets 0.06% of fund assets 0.06%
. . 0.00% 06-07-16 11,519.1 4.00 Fidelity Investments
Notes
% Fund
41.81
38.10
20.08
Morningstar Style BoxTM as of 11-30-23
% Mkt Cap
Large Mid Small
G...i.a..n..t.........................................4..5.....5..6.
Large
32.21
Medium
18.12
S...m...a..l.l..........................................3.....9..3.
Value Blend Growth
Micro
0.17
Morningstar World Regions as of 11-30-23
% Fund
A...m...e..r..i.c..a..s.................................................................................1..0....6..1.
North America
8.07
Latin America
2.55
G...r.e..a..t..e..r..E..u..r.o..p...e........................................................................4..4....4..4.
United Kingdom
9.22
Europe Developed
31.09
Europe Emerging
0.68
Africa/Middle East
3.44
.G..r.e..a..t..e..r..A...s.i.a.............................................................................4..4....9..5.
Japan
15.51
Australasia
4.94
Asia Developed
10.69
Asia Emerging
13.81
Waiver Data
Type
.
.
Exp. Date
%
.
.
Portfolio Manager(s)
Louis Bottari. Since 2016.
Peter Matthew. Since 2016.
................................................................................................
Advisor
Fidelity Management & Research
Company LLC
Subadvisor
.
Funds or their affiliates may pay compensation to Voya? affiliates offering a fund. Such compensation may be paid out of distribution, service and/or 12b-1 fees that are deducted from the fund's assets, and/or may be paid directly by the fund's affiliates. Any fees deducted from fund assets are discussed in the fund's prospectus and disclosed in the fund fact sheet. Because these fees are paid on an on-going basis, over time these fees will increase the cost of your investment and may cost you more than paying other types of sales charges. If offered through a retirement program, additional fees and expenses may be charged under that program. NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE INSTITUTION. MAY GO DOWN IN VALUE.
?2024 Morningstar, Inc., Morningstar Investment ProfilesTM 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at .
?
13.D128-423 (01/24) CN3265965_1225
................
................
In order to avoid copyright disputes, this page is only a partial summary.
To fulfill the demand for quickly locating and searching documents.
It is intelligent file search solution for home and business.
Related download
- explanation of allocation and performance measure
- invest in portfolios that are designed to pursue real life
- aggressive allocation portfolio
- personal risk profile and asset allocation
- asset allocation strategies during retirement
- portfolio navigator asset allocation program investment
- mutual fund broad diversification distinctive
- expected utility asset allocation stanford university
- portfolio mode online basics morningstar
Related searches
- best portfolio allocation 2018
- vanguard portfolio allocation model
- best portfolio allocation in retirement
- best portfolio allocation percentages
- index portfolio allocation best rated
- portfolio allocation models
- retirement portfolio allocation samples
- retirement portfolio allocation by age
- retirement portfolio allocation models
- portfolio allocation by age
- portfolio allocation for retirees 2019
- vanguard aggressive growth portfolio ticker