MyPlanIQ 401k Investor ONEIDA SAVINGS BANK 401(K) SAVINGS PLAN

ONEIDA SAVINGS BANK 401(K) SAVINGS PLAN

This Plan is unrated.
Investment Options
Total Available Funds: 35
Asset Class Ticker Description Rating
Emerging Market
DIVERSIFIED EMERGING MKTS LZEMX Lazard Emerg Markets FD
REAL ESTATE
Global Real Estate IGLAX ING Global Real Estate A
INTERNATIONAL EQUITY
Foreign Large Blend HAINX Harbor International
Foreign Large Growth JAOSX Janus Overseas
Foreign Large Blend RERFX American Funds Europacific R5
Others
Moderate Allocation MNMIX Manning & Napier Pro-Blend Moderate
Retirement Income MTDKX Manning & Napier Target Income K
Target Date 2000-2010 MTHKX Manning & Napier Target 2010 K
FIXED INCOME
SHORT GOVERNMENT VFISX Vanguard Short-Term US Treas
Intermediate-Term Bond TGLMX TCW Total Return Bond I
Intermediate-Term Bond TGLMX TCW Total Return Bond I
Total Available Funds: 35
Asset Class Ticker Description Rating
Emerging Market
DIVERSIFIED EMERGING MKTS LZEMX Lazard Emerg Markets FD
REAL ESTATE
Global Real Estate IGLAX ING Global Real Estate A
INTERNATIONAL EQUITY
Foreign Large Blend HAINX Harbor International
Foreign Large Growth JAOSX Janus Overseas
Foreign Large Blend RERFX American Funds Europacific R5
Foreign Large Blend RERFX American Funds Europacific
Others
Moderate Allocation MNMIX Manning & Napier Pro-Blend Moderate
Retirement Income MTDKX Manning & Napier Target Income K
Target Date 2000-2010 MTHKX Manning & Napier Target 2010 K
Target Date 2036-2040 MTTKX Manning & Napier Target 2040 K
Target Date 2026-2030 MTPKX Manning & Napier Target 2030 K
Target Date 2016-2020 MTNKX Manning and Napier Target 2020K
FIXED INCOME
SHORT GOVERNMENT VFISX Vanguard Short-Term US Treas
Intermediate-Term Bond TGLMX TCW Total Return Bond I
Intermediate-Term Bond TGLMX TCW Total Return Bond I
WORLD BOND RCWFX American Funds Capwld
WORLD BOND TPINX Templeton Global Bond Account
US EQUITY
Small Growth VISGX Vanguard Small-Cap Grth IND I
Small Growth VISGX Vanguard Small Cap Growth
SMALL BLEND RVT Royce Value
SMALL BLEND RVT Royce Value
MID-CAP VALUE JMCVX Perkins Mid Cap Value A
MID-CAP VALUE JMVAX Janus Investment Fund,Perkins Mid Cap Value A
LARGE BLEND RFNFX American Funds FDMNTL Inv
LARGE GROWTH RGAFX American Funds Growth FND R5
LARGE GROWTH RGAFX American Funds Growth Fund
SMALL VALUE VSCAX Van Kampen Small Cap Value A
Mid-Cap Growth BMEAX BlackRock US Opportunities A
Mid-Cap Growth BMEAX Blackrock US Opportunities
LARGE VALUE CVFCX Pioneer Cullen Value A
LARGE VALUE CVFCX Pioneer Cullen Value A
LARGE VALUE CVFCX Pioneer Cullen Value A
MID-CAP BLEND SYVIX Sentinel Mid Cap Value I
MID-CAP BLEND SYVIX Sentinel Mid Cap Value I
US EQUITY ONFC Oneida Financial Corp. Common Stock
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 LZEMX Lazard Emerg Markets FD 91% 3 60 0 1.07% 4.97%
REAL ESTATE
Global Real Estate IGLAX ING Global Real Estate A 0% 3 60 0 1.26% 4.98%
INTERNATIONAL EQUITY
Foreign Large Blend HAINX Harbor International 99% 3 60 0 1.02% 3.47%
Foreign Large Growth JAOSX Janus Overseas 95% 3 60 0 2.06% 2.7%
Foreign Large Blend RERFX American Funds Europacific R5 94% 3 60 0 0.84% 1.86%
Foreign Large Blend RERFX American Funds Europacific 94% 3 60 0 0.84% 1.86%
Others
Moderate Allocation MNMIX Manning & Napier Pro-Blend Moderate 97% 3 60 0 0.1% 2.47%
Retirement Income MTDKX Manning & Napier Target Income K 0% 3 60 0 0.9% 1.78%
Target Date 2000-2010 MTHKX Manning & Napier Target 2010 K 0% 3 60 0 1.11% 0%
Target Date 2036-2040 MTTKX Manning & Napier Target 2040 K 0% 3 60 0 1% 0.84%
Target Date 2026-2030 MTPKX Manning & Napier Target 2030 K 0% 3 60 0 1% 1.09%
Target Date 2016-2020 MTNKX Manning and Napier Target 2020K 0% 3 60 0 0.95% 1.39%
FIXED INCOME
SHORT GOVERNMENT VFISX Vanguard Short-Term US Treas 100% 3 60 0 0.1% 4.13%
Intermediate-Term Bond TGLMX TCW Total Return Bond I 93% 3 60 0 0.7% 6.4%
Intermediate-Term Bond TGLMX TCW Total Return Bond I 93% 3 60 0 0.7% 6.4%
WORLD BOND RCWFX American Funds Capwld 91% 3 60 0 0.99% 2.73%
WORLD BOND TPINX Templeton Global Bond Account 73% 3 60 0 0.96% 3.86%
US EQUITY
Small Growth VISGX Vanguard Small-Cap Grth IND I 100% 3 60 0 0.07% 0.54%
Small Growth VISGX Vanguard Small Cap Growth 100% 3 60 0 0.07% 0.54%
SMALL BLEND RVT Royce Value 100% 3 60 0 NA 5.56%
SMALL BLEND RVT Royce Value 100% 3 60 0 NA 5.56%
MID-CAP VALUE JMCVX Perkins Mid Cap Value A 98% 3 60 0 0.91% 1%
MID-CAP VALUE JMVAX Janus Investment Fund,Perkins Mid Cap Value A 90% 3 60 0 0.91% 1.13%
LARGE BLEND RFNFX American Funds FDMNTL Inv 88% 3 60 0 0.6% 1.27%
LARGE GROWTH RGAFX American Funds Growth FND R5 75% 3 60 0 0.63% 0.75%
LARGE GROWTH RGAFX American Funds Growth Fund 75% 3 60 0 0.63% 0.75%
SMALL VALUE VSCAX Van Kampen Small Cap Value A 62% 3 60 0 0.87% 0%
Mid-Cap Growth BMEAX BlackRock US Opportunities A 61% 3 60 0 0.8% 6.07%
Mid-Cap Growth BMEAX Blackrock US Opportunities 61% 3 60 0 0.8% 6.07%
LARGE VALUE CVFCX Pioneer Cullen Value A 46% 3 60 0 0.45% 2.71%
LARGE VALUE CVFCX Pioneer Cullen Value A 46% 3 60 0 0.45% 2.71%
LARGE VALUE CVFCX Pioneer Cullen Value A 46% 3 60 0 0.45% 2.71%
MID-CAP BLEND SYVIX Sentinel Mid Cap Value I 0% 3 60 0 0.93% 0%
MID-CAP BLEND SYVIX Sentinel Mid Cap Value I 0% 3 60 0 0.93% 0%
US EQUITY ONFC Oneida Financial Corp. Common Stock 0% 3 60 0 NA 3.69%
Average Expense Ratio: 0.84%
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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 0.6% 4.2% 1.4% 3.8% 4.8% 6.1%

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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:ONFC)
The plan consists of 35 funds. It covers 5 major asset classes and 23 minor asset classes. The major asset classes it covers are US Equity, Fixed Income, Foreign Equity, REITs and Emerging Market Equity.
Oneida Financial Corp. (Ticker:ONFC) has the "ONEIDA SAVINGS BANK 401(K) SAVINGS PLAN ".
Bank of Kentucky Financial Cor (Ticker:BKYF) has the "ONEIDA SAVINGS BANK 401(K) SAVINGS PLAN ".


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