MyPlanIQ 401k Investor BANCTRUST FINANCIAL GROUP, INC. EMPLOYEE SAVINGS PROFIT SHARING PLAN

BANCTRUST FINANCIAL GROUP, INC. EMPLOYEE SAVINGS PROFIT SHARING PLAN

This Plan is unrated.
Investment Options
Total Available Funds: 15
Asset Class Ticker Description Rating
INTERNATIONAL EQUITY
WORLD STOCK RNPFX The American Funds New Perspective Fund
Others
Moderate Allocation RLBFX The American Funds American Balanced Fund
Conservative Allocation FABYX The American Funds Capital Income Builder Fund
ROOT CASH Federated Money Mkt Prime Obligations Fund Institutional Shares
FIXED INCOME
Intermediate Government FITSX Federated Investors Federated Income Tr
Intermediate-Term Bond RBFFX The American Funds Bond Fund of Amer
US EQUITY
LARGE VALUE RWMFX The American Funds Washington Mutual Investors Fund
LARGE GROWTH RGAFX The American Funds Euro Pacific Growth Fund
LARGE GROWTH RAFFX The American Funds AMCAP Fund
Total Available Funds: 15
Asset Class Ticker Description Rating
INTERNATIONAL EQUITY
WORLD STOCK RNPFX The American Funds New Perspective Fund
Others
Moderate Allocation RLBFX The American Funds American Balanced Fund
Conservative Allocation FABYX The American Funds Capital Income Builder Fund
ROOT CASH Federated Money Mkt Prime Obligations Fund Institutional Shares
ROOT CASH Federated U.S. Treasury Treasury Obligations Fund Institutional Shares
FIXED INCOME
Intermediate Government FITSX Federated Investors Federated Income Tr
Intermediate-Term Bond RBFFX The American Funds Bond Fund of Amer
US EQUITY
LARGE VALUE RWMFX The American Funds Washington Mutual Investors Fund
LARGE GROWTH RGAFX The American Funds Euro Pacific Growth Fund
LARGE GROWTH RAFFX The American Funds AMCAP Fund
LARGE BLEND GVEQX T. Leavell Associates Inc. Government Street Equity Fund
LARGE BLEND ANCFX The American Funds Fundamental Investors Fund
Mid-Cap Growth KAUAX Federated Investors Federated Kaufman Fund Class A
LARGE BLEND OBFVX Old Mutual Investment Funds Old Mutual Focused Fund
Mid-Cap Growth QAMGX Federated Investors Federated Mid-Cap Growth Strategy Fund Class A
Total Available Funds: 15
  • 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
WORLD STOCK RNPFX The American Funds New Perspective Fund 91% 3 60 0 1.47% 5.72%
Others
Moderate Allocation RLBFX The American Funds American Balanced Fund 79% 3 60 0 0.31% 2.64%
Conservative Allocation FABYX The American Funds Capital Income Builder Fund 0% 3 60 0 NA 0%
ROOT CASH Federated Money Mkt Prime Obligations Fund Institutional Shares 0% 1 60 0 NA 4.14%
ROOT CASH Federated U.S. Treasury Treasury Obligations Fund Institutional Shares 0% 1 60 0 NA 4.14%
FIXED INCOME
Intermediate Government FITSX Federated Investors Federated Income Tr 78% 3 60 0 0.84% 2.61%
Intermediate-Term Bond RBFFX The American Funds Bond Fund of Amer 75% 3 60 0 0.33% 3.84%
US EQUITY
LARGE VALUE RWMFX The American Funds Washington Mutual Investors Fund 84% 3 60 0 0.26% 3.64%
LARGE GROWTH RGAFX The American Funds Euro Pacific Growth Fund 75% 3 60 0 0.63% 0.75%
LARGE GROWTH RAFFX The American Funds AMCAP Fund 72% 3 60 0 0.49% 3.69%
LARGE BLEND GVEQX T. Leavell Associates Inc. Government Street Equity Fund 71% 3 60 0 0.85% 5.6%
LARGE BLEND ANCFX The American Funds Fundamental Investors Fund 53% 3 60 0 0.28% 1.65%
Mid-Cap Growth KAUAX Federated Investors Federated Kaufman Fund Class A 49% 3 60 0 2.51% 1.92%
LARGE BLEND OBFVX Old Mutual Investment Funds Old Mutual Focused Fund 0% 3 60 0 NA 1.39%
Mid-Cap Growth QAMGX Federated Investors Federated Mid-Cap Growth Strategy Fund Class A 0% 3 60 0 NA NA
Average Expense Ratio: 0.8%
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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 4.7% 17.5% 4.7% 8.7% 7.8% 9.0%

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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:BTFG)
The plan consists of 15 funds. It covers 3 major asset classes and 9 minor asset classes. The major asset classes it covers are US Equity, Fixed Income and Foreign Equity.


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