MyPlanIQ 401k Investor NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan

NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan

This Plan is unrated.
Investment Options
Total Available Funds: 23
Asset Class Ticker Description Rating
INTERNATIONAL EQUITY
Foreign Large Blend RERFX Europacific Growth Fund Equity mutual fund
WORLD STOCK RNPFX American Funds New Perspective Fund Foreign equity mutual fund
Others
Target Date 2036-2040 TRRDX T-Rowe Price rtmt 2040 Fund Graduated retirement target mutual fund
Target Date 2026-2030 TRRCX T-Rowe Price rtmt 2030 Fund Graduated retirement target mutual fund
Target Date 2016-2020 TRRBX T-Rowe Price rtmt 2020 Fund Graduated retirement target mutual fund
US EQUITY
MID-CAP VALUE JMCVX Perkins Mid Cap Value Fund Equity mutual fund
LARGE BLEND VFINX Vanguard 500 Index Fund Equity mutual fund
LARGE VALUE DODGX Dodge Cox Stock Fund Equity mutual fund
FIXED INCOME
Intermediate Government VFITX Vanguard interm US Treasury Bond mutual fund
Intermediate-Term Bond DODIX Dodge Cox Income Bond mutual fund
Total Available Funds: 23
Asset Class Ticker Description Rating
INTERNATIONAL EQUITY
Foreign Large Blend RERFX Europacific Growth Fund Equity mutual fund
WORLD STOCK RNPFX American Funds New Perspective Fund Foreign equity mutual fund
Others
Target Date 2036-2040 TRRDX T-Rowe Price rtmt 2040 Fund Graduated retirement target mutual fund
Target Date 2026-2030 TRRCX T-Rowe Price rtmt 2030 Fund Graduated retirement target mutual fund
Target Date 2016-2020 TRRBX T-Rowe Price rtmt 2020 Fund Graduated retirement target mutual fund
Target Date 2000-2010 TRRAX T-Rowe Price rtmt 2010 Fund Graduated retirement target mutual fund
Retirement Income TRRIX T-Rowe Price rtmt Income Fund Graduated retirement target mutual fund
Moderate Allocation OAKBX Oakmark Equity Income Fund Equity mutual fund
Target Date 2050+ TRRMX T-Rowe Price rtmt 2050 Fund Graduated retirement target mutual fund
Conservative Allocation CAPAX Federated Capital Preservation Fund
ROOT CASH Schwab retirement advantage money fund Money market fund
US EQUITY
MID-CAP VALUE JMCVX Perkins Mid Cap Value Fund Equity mutual fund
LARGE BLEND VFINX Vanguard 500 Index Fund Equity mutual fund
LARGE VALUE DODGX Dodge Cox Stock Fund Equity mutual fund
LARGE GROWTH VHCAX Vanguard Capital Opportunity Equity mutual fund
MID-CAP BLEND CRIMX CRM Mid Cap Value Fund Equity mutual fund
Mid-Cap Growth RPMGX T-Rowe Price Mid Cap Growth Equity mutual fund
LARGE GROWTH RGAFX American Funds Growth Fund of Amer Equity mutual fund
Mid-Cap Growth ACRNX Columbia Acorn Equity mutual fund
SMALL BLEND RLPIX Royce Low Price Stock Equity mutual fund
LARGE BLEND CPAIX Federated Capital app Fund Equity mutual fund
FIXED INCOME
Intermediate Government VFITX Vanguard interm US Treasury Bond mutual fund
Intermediate-Term Bond DODIX Dodge Cox Income Bond mutual fund
Total Available Funds: 23
  • 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 Blend RERFX Europacific Growth Fund Equity mutual fund 94% 3 60 0 0.84% 1.86%
WORLD STOCK RNPFX American Funds New Perspective Fund Foreign equity mutual fund 91% 3 60 0 1.47% 5.72%
Others
Target Date 2036-2040 TRRDX T-Rowe Price rtmt 2040 Fund Graduated retirement target mutual fund 100% 3 60 0 0.6% 7.59%
Target Date 2026-2030 TRRCX T-Rowe Price rtmt 2030 Fund Graduated retirement target mutual fund 100% 3 60 0 1.08% 10.48%
Target Date 2016-2020 TRRBX T-Rowe Price rtmt 2020 Fund Graduated retirement target mutual fund 100% 3 60 0 0.78% 11.87%
Target Date 2000-2010 TRRAX T-Rowe Price rtmt 2010 Fund Graduated retirement target mutual fund 97% 3 60 0 0.99% 10.65%
Retirement Income TRRIX T-Rowe Price rtmt Income Fund Graduated retirement target mutual fund 91% 3 60 0 0.34% 2.96%
Moderate Allocation OAKBX Oakmark Equity Income Fund Equity mutual fund 91% 3 60 0 0.83% 2.3%
Target Date 2050+ TRRMX T-Rowe Price rtmt 2050 Fund Graduated retirement target mutual fund 78% 3 60 0 0.63% 6.57%
Conservative Allocation CAPAX Federated Capital Preservation Fund 57% 3 60 0 0.9% 3.35%
ROOT CASH Schwab retirement advantage money fund Money market fund 0% 1 60 0 NA 4.14%
US EQUITY
MID-CAP VALUE JMCVX Perkins Mid Cap Value Fund Equity mutual fund 98% 3 60 0 0.91% 1%
LARGE BLEND VFINX Vanguard 500 Index Fund Equity mutual fund 98% 3 60 0 0.14% 1.27%
LARGE VALUE DODGX Dodge Cox Stock Fund Equity mutual fund 93% 3 60 0 0.52% 4.95%
LARGE GROWTH VHCAX Vanguard Capital Opportunity Equity mutual fund 91% 3 60 0 0.43% 7.57%
MID-CAP BLEND CRIMX CRM Mid Cap Value Fund Equity mutual fund 87% 3 60 0 1.16% 1.08%
Mid-Cap Growth RPMGX T-Rowe Price Mid Cap Growth Equity mutual fund 87% 3 60 0 1.29% 6.44%
LARGE GROWTH RGAFX American Funds Growth Fund of Amer Equity mutual fund 75% 3 60 0 0.63% 0.75%
Mid-Cap Growth ACRNX Columbia Acorn Equity mutual fund 75% 3 60 0 1.83% 0%
SMALL BLEND RLPIX Royce Low Price Stock Equity mutual fund 0% 3 60 0 1.19% 5.95%
LARGE BLEND CPAIX Federated Capital app Fund Equity mutual fund 0% 3 60 0 0.99% 0%
FIXED INCOME
Intermediate Government VFITX Vanguard interm US Treasury Bond mutual fund 97% 3 60 0 0.2% 3.38%
Intermediate-Term Bond DODIX Dodge Cox Income Bond mutual fund 87% 3 60 0 0.33% 3.91%
Average Expense Ratio: 0.82%
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Related Retirement Plans
NBT BANCORP INC. 401(K) & EMPLOYEE STOCK OWNERSHIP PLAN
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 -5.7% -4.0% 3.9% 4.5% 8.4% 6.8%

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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:NBTB)
The plan consists of 23 funds. It covers 3 major asset classes and 19 minor asset classes. The major asset classes it covers are US Equity, Fixed Income and Foreign Equity.


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