Page 7 - SGH Profit Sharing & 401(k) Plan and Trust

Three Steps to Enroll Today 1. Decide how much to save. 2. DECIDE WHICH INVESTMENT STRATEGY IS RIGHT FOR YOU. 3. Act now–Enroll. Investment Strategies We offer you different options, based on what kind of investor you may be, to help you choose your investments. Our Plan offers you the following investment strategies: Do you have the time or expertise to make investment decisions for your Plan account on your own? “No, I prefer to do my retirement investing with some help.” “Yes, I prefer to do my retirement investing on my own.” Target Date Retirement Funds Advice Plan-Selected Funds Schwab Personal Choice Retirement Account® (PCRA)2 If you lack the time or desire to manage your Plan savings on your own, then target date retirement funds may be right for you. These funds are designed and professionally managed based on an expected retirement date. Professionals will manage the day-to-day investment and asset allocation decisions. Select a fund based on your planned retirement date as well as other factors important to your planning objectives. Each will gradually reduce its level of risk (i.e., reduce the portion of your portfolio invested in stocks) and become more conservative over time. Risk reduction continues for several years past the target date. If you’re not sure how much to save and which funds to select, the Plan offers you access to third-party personalized advice designed to help you set a course toward your retirement savings goals. With this service, which is provided by GuidedChoice, you may get: • Helpdeterminingyour retirement savings goals • Asavingsandinvestment recommendation to help you work toward your goals • Annualportfoliorebalancing based on your most recent interaction If you like making your own investment decisions, our Plan has a pre-screened group of funds from which to choose. After you review these funds at workplace.schwab.com, you can select the ones in which you’d like to invest and determine the percentage you want to allocate to each fund. You manage your portfolio. For help, complete the Investor Profile Questionnaire at workplace.schwab.com. If you are an experienced investor and want to choose from a list of investments beyond the Plan-Selected Funds, PCRA may be right for you. PCRA is a brokerage account you manage yourself that provides access to more investment choices than are otherwise available in the Plan. Since PCRA is a self-directed brokerage account, you may be charged fees, and some investments may have a transaction fee. To Select the Target Date Retirement Funds: Go to workplace.schwab.com or call Participant Services at 1-800-724-7526 to access your Plan account or enroll for the first time. To Select Advice: It’s easy to get started. Log in to your account at workplace.schwab.com to access the self-serve advice tool or schedule an appointment to chat one-on- one with an advice consultant, who can walk you through the process and explain GuidedChoice’s recommendations to you. To Select Your Own Investments: Go to workplace.schwab.com or call Participant Services at 1-800-724-7526 to access your Plan account, change your contribution rate, or select your investments from the Plan-Selected Fund list. To Select PCRA: After you enroll in the Plan, go to workplace.schwab.com or call the PCRA Hotline at 1-888-393-7272 to apply for a PCRA account. Once your account is approved and opened, place trade orders as often as you like. Some restrictions may apply. 7