MyPlanIQ 401k Investor STERLING SAVINGS BANK EMPLOYEE SAVINGS AND INVESTMENT PLAN

STERLING SAVINGS BANK EMPLOYEE SAVINGS AND INVESTMENT PLAN Investment Model Portfolios

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STERLING SAVINGS BANK EMPLOYEE SAVINGS AND INVESTMENT PLAN AND TRUST
Investment Options
Total Available Funds: 24
Asset Class Ticker Description Rating
INTERNATIONAL EQUITY
Foreign Large Value DODFX Dodge Cox International Stock
Others
Target Date 2016-2020 FFFDX Fidelity Freedom 2020
Target Date 2011-2015 FFVFX Fidelity Freedom 2015
Retirement Income FFFAX Fidelity Freedom Income
FIXED INCOME
Intermediate-Term Bond FTBFX Fidelity Total Bond
US EQUITY
SMALL VALUE VISVX Vanguard Small Value Index
Small Growth VISGX Vanguard Small Growth Index
MID-CAP VALUE VASVX Vanguard Selected Value
Total Available Funds: 24
Asset Class Ticker Description Rating
INTERNATIONAL EQUITY
Foreign Large Value DODFX Dodge Cox International Stock
Others
Target Date 2016-2020 FFFDX Fidelity Freedom 2020
Target Date 2011-2015 FFVFX Fidelity Freedom 2015
Retirement Income FFFAX Fidelity Freedom Income
Target Date 2026-2030 FFFEX Fidelity Freedom 2030
Target Date 2036-2040 FFFFX Fidelity Freedom 2040
Target Date 2021-2025 FFTWX Fidelity Freedom 2025
Target Date 2031-2035 FFTHX Fidelity Freedom 2035
Target Date 2050+ FFFHX Fidelity Freedom 2050
Target Date 2000-2010 FFFCX Fidelity Freedom 2010
Target Date 2041-2045 FFFGX Fidelity Freedom 2045
Target Date 2000-2010 FFFVX Fidelity Freedom 2005
Moderate Allocation FBALX Fidelity Balanced
Target Date 2000-2010 FFFBX Fidelity Freedom 2000
ROOT ASOIX American Beacon Large Cap Val PA
ROOT CASH Cash Equivalents N/A
ROOT CASH Fidelity Retire Money Mkt Money Mkt
FIXED INCOME
Intermediate-Term Bond FTBFX Fidelity Total Bond
US EQUITY
SMALL VALUE VISVX Vanguard Small Value Index
Small Growth VISGX Vanguard Small Growth Index
MID-CAP VALUE VASVX Vanguard Selected Value
LARGE BLEND FUSEX Spartan US Equity Index
LARGE GROWTH RGAFX American Fund Growth Fund
Mid-Cap Growth BARAX Baron Asset Fund
Total Available Funds: 24
  • R*: Redemption (Minimum months to hold).
  • RT: Round Trip (number of times allowed to buy/sell in trailing 12 months).
  • WP: Waiting Period (minimum months to wait before buy again).
  • M*:Mark (p: proxy, n: not used).
Asset Class Ticker Description Rating R* RT WP Expense Yield
INTERNATIONAL EQUITY
Foreign Large Value DODFX Dodge Cox International Stock 99% 3 60 0 0.52% 2.17%
Others
Target Date 2016-2020 FFFDX Fidelity Freedom 2020 98% 3 60 0 0.58% 5.67%
Target Date 2011-2015 FFVFX Fidelity Freedom 2015 98% 3 60 0 0.54% 4.82%
Retirement Income FFFAX Fidelity Freedom Income 98% 3 60 0 0.42% 3.03%
Target Date 2026-2030 FFFEX Fidelity Freedom 2030 95% 3 60 0 0.66% 4.72%
Target Date 2036-2040 FFFFX Fidelity Freedom 2040 95% 3 60 0 0.64% 5%
Target Date 2021-2025 FFTWX Fidelity Freedom 2025 95% 3 60 0 0.34% 5.19%
Target Date 2031-2035 FFTHX Fidelity Freedom 2035 95% 3 60 0 0.7% 4.63%
Target Date 2050+ FFFHX Fidelity Freedom 2050 94% 3 60 0 0.75% 4.23%
Target Date 2000-2010 FFFCX Fidelity Freedom 2010 92% 3 60 0 0.49% 3.84%
Target Date 2041-2045 FFFGX Fidelity Freedom 2045 91% 3 60 0 0.75% 4.36%
Target Date 2000-2010 FFFVX Fidelity Freedom 2005 87% 3 60 0 0.42% 3.49%
Moderate Allocation FBALX Fidelity Balanced 79% 3 60 0 0.5% 5.31%
Target Date 2000-2010 FFFBX Fidelity Freedom 2000 0% 3 60 0 0.44% 6.09%
ROOT ASOIX American Beacon Large Cap Val PA 0% 3 60 0 NA 4.05%
ROOT CASH Cash Equivalents N/A 0% 1 60 0 NA 2.6%
ROOT CASH Fidelity Retire Money Mkt Money Mkt 0% 1 60 0 NA 2.6%
FIXED INCOME
Intermediate-Term Bond FTBFX Fidelity Total Bond 81% 3 60 0 0.5% 4.49%
US EQUITY
SMALL VALUE VISVX Vanguard Small Value Index 100% 3 60 0 0.06% 2%
Small Growth VISGX Vanguard Small Growth Index 100% 3 60 0 0.07% 0.46%
MID-CAP VALUE VASVX Vanguard Selected Value 84% 3 60 0 0.43% 12.65%
LARGE BLEND FUSEX Spartan US Equity Index 79% 3 60 0 0.09% 1.36%
LARGE GROWTH RGAFX American Fund Growth Fund 75% 3 60 0 0.63% 9.57%
Mid-Cap Growth BARAX Baron Asset Fund 35% 3 60 0 1.33% 17.48%
Average Expense Ratio: 0.52%
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Model Portfolios
Strategic Asset Allocation - Equal Weight: Click here to see this strategy description
Equal Weight & Regular Rebalance YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click for Portfolio Details or Follow 0.0% 10.0% 5.2% 8.4% 6.0% 8.5%

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Strategic Asset Allocation - Optimal: Click here to see this strategy description
Optimal Weight & Regular Rebalance YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click to Create Model Portfolio

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Tactical Asset Allocation: Click here to see this strategy description
Dynamic Asset Switching YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click for Portfolio Details or Follow -0.2% 6.4% 2.9% 6.3% 4.7% 6.5%

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Asset Allocation Composite: Click here to see this strategy description
Strategic Asset Allocation with Dynamic Risk Adjustment YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click to Create Model Portfolio

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*     AR: Annualized Return
**   YTD: Year to Date (not annualized)
*** The above portfolios are of moderate risk, which means that more than 40% of assets are in fixed income funds.


Description(Ticker:STSA)
The plan consists of 24 funds. It covers 3 major asset classes and 20 minor asset classes. The major asset classes it covers are US Equity, Foreign Equity and Fixed Income.


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