MyPlanIQ 401k Investor PACIFIC CAPITAL BANCORP INCENTIVE AND INVESTMENT AND SALARY SAVINGS PLAN

PACIFIC CAPITAL BANCORP INCENTIVE AND INVESTMENT AND SALARY SAVINGS PLAN

This Plan is unrated.
Investment Options
Total Available Funds: 35
Asset Class Ticker Description Rating
Emerging Market
DIVERSIFIED EMERGING MKTS IEMFX T. Rowe Price Retirement Emerging Mkts Stock Mutual Fund
REAL ESTATE
REAL ESTATE CSRSX Cohen Steers Realty Shares Mutual Fund
INTERNATIONAL EQUITY
Foreign Large Blend HAINX Harbor International Ret Mutual Fund
Foreign Large Blend MSILX Masters Select International Mutual Fund
Foreign Small/Mid Value LIDSX Laudus Rosen Intl Discov Sel Mutual Fund
Others
Target Date 2036-2040 TRRDX T. Rowe Price Retirement rtmt 2040 Adv Mutual Fund
Target Date 2026-2030 TRRCX T. Rowe Price Retirement rtmt 2030 Adv Mutual Fund
Target Date 2016-2020 TRRBX T. Rowe Price Retirement rtmt 2020 Adv Mutual Fund
US EQUITY
LARGE BLEND SWANX Schwab Core Equity Mutual Fund
LARGE BLEND FAIRX Fairholme
SMALL BLEND BRSVX Bridgeway Small Cap Value N Mutual Fund
Total Available Funds: 35
Asset Class Ticker Description Rating
Emerging Market
DIVERSIFIED EMERGING MKTS IEMFX T. Rowe Price Retirement Emerging Mkts Stock Mutual Fund
REAL ESTATE
REAL ESTATE CSRSX Cohen Steers Realty Shares Mutual Fund
INTERNATIONAL EQUITY
Foreign Large Blend HAINX Harbor International Ret Mutual Fund
Foreign Large Blend MSILX Masters Select International Mutual Fund
Foreign Small/Mid Value LIDSX Laudus Rosen Intl Discov Sel Mutual Fund
Others
Target Date 2036-2040 TRRDX T. Rowe Price Retirement rtmt 2040 Adv Mutual Fund
Target Date 2026-2030 TRRCX T. Rowe Price Retirement rtmt 2030 Adv Mutual Fund
Target Date 2016-2020 TRRBX T. Rowe Price Retirement rtmt 2020 Adv Mutual Fund
Target Date 2000-2010 TRRAX T. Rowe Price Retirement rtmt 2010 Adv Mutual Fund
Target Date 2050+ TRRMX T. Rowe Price Retirement rtmt 2050 Adv Mutual Fund
Natural Resources PRNEX T. Rowe Price Retirement New Era
Retirement Income PARIX T. Rowe Price Retirement rtmt income Adv Mutual Fund
ROOT SWPIX Schwab S P 500 Index Inv Mutual Fund
ROOT SWINX Schwab International Index FD Mutual Fund
Long-Short SWHEX Schwab Hedged Equity Select Mutual Fund
Moderate Allocation LAAIX Leuthold Asset Allocation Mutual Fund
ROOT CASH Charles Schwab Tr Company Schwab US Treasury Money Fund
US EQUITY
LARGE BLEND SWANX Schwab Core Equity Mutual Fund
LARGE BLEND FAIRX Fairholme
SMALL BLEND BRSVX Bridgeway Small Cap Value N Mutual Fund
LARGE VALUE BEGRX Mutual Beacon CLA Mutual Fund
Mid-Cap Growth POAGX PRIMECAP Odyssey Growth Mutual Fund
LARGE VALUE RWMFX American Funds Washington Mutual Mutual Fund
LARGE GROWTH RGAFX Growth Fund of Amer Mutual Fund
LARGE GROWTH MSEFX Masters Select Equity Mutual Fund
SMALL BLEND SWSCX Schwab Small Cap Index Select Mutual Fund
MID-CAP VALUE SCMLX Schneider Value Mutual Fund
Small Growth MSSFX Masters Sel Smaller Companies Mutual Fund
SMALL BLEND KSCVX Keeley Small Cap Value
FIXED INCOME
Multisector Bond RPSIX T. Rowe Price Retirement Spectrum Income Mutual Fund
Intermediate-Term Bond FPNIX FPA New Income
Multisector Bond LSBDX Loomis Sayles Bond Ret Mutual Fund
High Yield Bond JHYUX JPMorgan High Yield
Intermediate-Term Bond PTTDX Pacific Investment Management Company Total Return D Mutual Fund
SHORT GOVERNMENT STABLEVALUE Charles Schwab Stable Value Fund Common/Collective Tr
Total Available Funds: 35
  • 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
Emerging Market
DIVERSIFIED EMERGING MKTS IEMFX T. Rowe Price Retirement Emerging Mkts Stock Mutual Fund 81% 3 60 0 1% 1.9%
REAL ESTATE
REAL ESTATE CSRSX Cohen Steers Realty Shares Mutual Fund 76% 3 60 0 0.88% 2.09%
INTERNATIONAL EQUITY
Foreign Large Blend HAINX Harbor International Ret Mutual Fund 99% 3 60 0 1.02% 3.47%
Foreign Large Blend MSILX Masters Select International Mutual Fund 91% 3 60 0 1.24% 0.76%
Foreign Small/Mid Value LIDSX Laudus Rosen Intl Discov Sel Mutual Fund 0% 3 60 0 NA NA
Others
Target Date 2036-2040 TRRDX T. Rowe Price Retirement rtmt 2040 Adv Mutual Fund 100% 3 60 0 0.6% 7.59%
Target Date 2026-2030 TRRCX T. Rowe Price Retirement rtmt 2030 Adv Mutual Fund 100% 3 60 0 1.08% 10.48%
Target Date 2016-2020 TRRBX T. Rowe Price Retirement rtmt 2020 Adv Mutual Fund 100% 3 60 0 0.78% 11.87%
Target Date 2000-2010 TRRAX T. Rowe Price Retirement rtmt 2010 Adv Mutual Fund 97% 3 60 0 0.99% 10.65%
Target Date 2050+ TRRMX T. Rowe Price Retirement rtmt 2050 Adv Mutual Fund 78% 3 60 0 0.63% 6.57%
Natural Resources PRNEX T. Rowe Price Retirement New Era 63% 3 60 0 0.74% 11.63%
Retirement Income PARIX T. Rowe Price Retirement rtmt income Adv Mutual Fund 45% 3 60 0 0.49% 9.3%
ROOT SWPIX Schwab S P 500 Index Inv Mutual Fund 0% 3 60 0 NA 0%
ROOT SWINX Schwab International Index FD Mutual Fund 0% 3 60 0 NA 0%
Long-Short SWHEX Schwab Hedged Equity Select Mutual Fund 0% 3 60 0 1.91% 0.05%
Moderate Allocation LAAIX Leuthold Asset Allocation Mutual Fund 0% 3 60 0 1.12% 0%
ROOT CASH Charles Schwab Tr Company Schwab US Treasury Money Fund 0% 1 60 0 NA 4.14%
US EQUITY
LARGE BLEND SWANX Schwab Core Equity Mutual Fund 99% 3 60 0 0.73% 0.95%
LARGE BLEND FAIRX Fairholme 97% 3 60 0 1% 0.44%
SMALL BLEND BRSVX Bridgeway Small Cap Value N Mutual Fund 97% 3 60 0 0.83% 2.72%
LARGE VALUE BEGRX Mutual Beacon CLA Mutual Fund 93% 3 60 0 0.77% 1.91%
Mid-Cap Growth POAGX PRIMECAP Odyssey Growth Mutual Fund 85% 3 60 0 0.64% 0%
LARGE VALUE RWMFX American Funds Washington Mutual Mutual Fund 84% 3 60 0 0.26% 3.64%
LARGE GROWTH RGAFX Growth Fund of Amer Mutual Fund 75% 3 60 0 0.63% 0.75%
LARGE GROWTH MSEFX Masters Select Equity Mutual Fund 71% 3 60 0 1.01% 27.04%
SMALL BLEND SWSCX Schwab Small Cap Index Select Mutual Fund 65% 3 60 0 1.09% 0%
MID-CAP VALUE SCMLX Schneider Value Mutual Fund 0% 3 60 0 0.9% 0%
Small Growth MSSFX Masters Sel Smaller Companies Mutual Fund 0% 3 60 0 1.46% 0.01%
SMALL BLEND KSCVX Keeley Small Cap Value 0% 3 60 0 1.35% 10.34%
FIXED INCOME
Multisector Bond RPSIX T. Rowe Price Retirement Spectrum Income Mutual Fund 85% 3 60 0 0.62% 4.4%
Intermediate-Term Bond FPNIX FPA New Income 83% 3 60 0 0.45% 3.97%
Multisector Bond LSBDX Loomis Sayles Bond Ret Mutual Fund 82% 3 60 0 0.6% 5.33%
High Yield Bond JHYUX JPMorgan High Yield 77% 3 60 0 0.75% 6.56%
Intermediate-Term Bond PTTDX Pacific Investment Management Company Total Return D Mutual Fund 65% 3 60 0 0.75% 4.84%
SHORT GOVERNMENT STABLEVALUE Charles Schwab Stable Value Fund Common/Collective Tr 16% 3 60 0 NA 27.03%
Average Expense Ratio: 0.88%
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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 5.2% 19.0% 7.4% 7.9% 6.3% 7.7%

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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:PCBC)
The plan consists of 36 funds. It covers 5 major asset classes and 23 minor asset classes. The major asset classes it covers are US Equity, REITs, Fixed Income, Foreign Equity and Emerging Market Equity.


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