Mainstay Capital Management, LLC
has been recognized by Barron's as
one of the Top 100 Independent
Advisors in the country.

Important Consumer Disclosure:
Mainstay Capital Management, LLC is an investment advisor registered with the Securities and Exchange Commission. Due to various state regulations and filing requirements, Mainstay and its representatives may only provide investment advisory services in those states in which it is first appropriately registered or otherwise exempt or excluded from registration requirements. The purpose of this website is to provide the public with general information about the services offered by our investment management firm. Mainstay does not render personalized investment advice or services or effect, or attempt to effect any securities transactions, on this website. Our firm continuously monitors its filing requirements in all states, and will provide individualized advisory services only in accordance with various state regulations. Mainstay does not make any representations or warranties as to the accuracy, completeness, or relevance of any information prepared by any unaffiliated third party provider, whether linked to Mainstay's website or incorporated herein. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Visteon VIP and 401(k) Savings Plan

ABC News Video: "Automotive workers seek advice on buyouts"

Visteon Corp pension agreement with PBGC

Funding Health Care Costs After Age 65

For Your Interest

Dow Jones Newswires
Adviser Fights Fear About GM With Fact

Chicago Tribune
Consider financial future before accepting buyout

Wall Street Journal
How to Value the Buyout Offer

Visteon Plan Review as of November 1, 2009

Introduction
With well over 30 investment options available, the Visteon Investment Plan (VIP) for salaried employees and 401(k) Savings Plan for hourly employees are among the best in the country. With this large number of funds, there is ample opportunity to build a well-diversified portfolio for your 401(k) savings.

In this page of the website we include some “Featured Funds” within the Visteon 401(k) plans. At the bottom of this page, we provide a table containing many of the funds available within the VIP and 401(k) Savings Plan with critical data on each fund including style, risk, and past performance. Throughout this page we provide other pertinent information concerning the plan and links to other areas of our website that may be of interest.

Check this page for future updates to the VIP and 401(k) Savings Plan as well as news that affects Visteon.

Visteon Savings Plan Changes
Visteon announced changes that affected the participants of the VIP, Visteon 401(k) Savings Plan and the Visteon Deferred Compensation Plan.

The following investment options were closed to new investments as of 4:00 P.M. on July 6, 2009:

Templeton Developing Markets Trust – Class A
Fidelity Real Estate Investment Portfolio
Fidelity Equity-Income Fund
Clipper Fund
Fidelity Dividend Growth Fund
Fidelity Growth & Income Portfolio
TCW Select Equities Fund – Class I
Templeton Foreign Fund – Class A
Templeton Foreign Smaller Companies Fund – Advisor Class

The following investment options were added for new investments as of July 7, 2009:

Allianz NFJ Small-Cap Value Fund – Administrative Class
Artisan Mid Cap Value Fund – Investor Class
Cohen & Steers Realty Shares, Inc.
Lazard Emerging Markets Equity Portfolio – Institutional Shares
Spartan Extended Market Index Fund – Investor Class

Your future contributions to the closed funds will automatically transfer according to the following list.

Templeton Developing Markets Trust	To	Lazard Emerging Markets Equity Portfolio
Fidelity Real Estate Investment Portfolio	To	Cohen & Steers Realty Shares, Inc.
Fidelity Equity-Income Fund	To	American Century Equity Income Fund
Clipper Fund	To	Vanguard Institutional Index Fund
Fidelity Dividend Growth Fund	To	Vanguard Institutional Index Fund
Fidelity Growth & Income Portfolio	To	Vanguard Institutional Index Fund
TCW Select Equities Fund – Class I	To	Fidelity Contrafund
Templeton Foreign Fund – Class A	To	Fidelity Diversified International Fund
Templeton Foreign Smaller Companies Fund	To	T. Rowe Price International Discovery Fund

Note on Fidelity's Freedom Funds
The Fidelity Freedom Funds are designed for those participants who wish to base their asset allocation decision on a specific target year. The account is typically aligned with the Freedom Fund that most closely matches the year in which you anticipate beginning to withdraw your savings for your retirement.

Twelve of these funds are included in the Visteon plan, with 5-year incremental targets from 2000 to 2050, along with a fund targeted as Income Fund. The way the Freedom Funds are designed, the further away the target date, the more aggressive the asset allocation, conversely, the closer the date, the greater the emphasis on preservation of capital in the asset allocation.

Freedom Funds hold some appeal in that they are simple to explain and administer. While this approach is unique, we believe the asset allocation decisions provided by these funds are crude at best. Freedom Funds attempt to make decisions about asset allocation based solely on a target date. An investor’s tolerance for risk and financial goals are other key factors that should largely play a roll in determining the investment strategy and asset allocation. Additionally, they leave no room for the fund manager to tactically adjust the allocation strategy based on specific opportunities within the financial markets or in response to prevailing market conditions.

The returns realized in these commingled vehicles are diluted by a rigid adherence to mechanical allocation parameters. These parameters may prove to be shortsighted and inappropriate for everyone participating in the pool. The real world changes every day, yet proponents of Freedom Funds, or similar funds, expect someone to stick to a single game plan for as much as 40 years, whether interest rates are rising or falling, or whether the economy is in expansion or recession. While Freedom Funds offer a simple one-stop-solution, we continue to advise participants to avoid these funds and retain the flexibility to proactively adjust their portfolios as needed.

Please reference "Target-Date Funds Face Regulation", published in The Wall Street Journal.

Fund Table
The Visteon VIP and 401(k) Savings Plan fund table provides critical data on investment options within the plan.

Visteon VIP and 401(k) Savings Plan - Fund Table

If you have any questions concerning our website or your Visteon 401(k) account contact us using the following e-mail link: Mainstay@mainstaycapital.com or call us toll-free at 1-866-444-6246.

Return to top of page