WHITNEY NATIONAL BANK SAVINGS PLUS PLAN Investment Model Portfolios

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Investment options of WHITNEY NATIONAL BANK SAVINGS PLUS PLAN

Total Available Funds: 29

Asset Class

Ticker

Description

US EQUITY
MID-CAP BLEND	FMDCX	Federated Mid Cap Index Fund U.S.Equity Mid Cap
LARGE VALUE	EQPIX	Fidelity Advisor Equity Income Fund Institutional Class I U.S. Equity Large Cap
MID-CAP BLEND	FASOX	Fidelity Advisor Value Strategies Fund Class I U.S. Equity Mid Cap
LARGE GROWTH	FDCAX	Fidelity Capital app Fund U.S.Equity Large Cap
LARGE GROWTH	FCNTX	Fidelity Contrafund U.S. Equity Large Cap
LARGE BLEND	FFNOX	Fidelity Four-in-One Index Fund U.S.Equity Large Cap
LARGE BLEND	FUSEX	Spartan U.S. Equity Index Fund Investor Class U.S. Equity Large Cap
LARGE VALUE	SEQIX	Wells Fargo Adv Small Cap Value Fund Class Z U.S. Equity
SMALL BLEND	NMSCX	Columbia Small Cap Index Fund Class Z U.S. Equity Small Cap

FIXED INCOME
Intermediate-Term Bond	EFIPX	Fidelity Advisor interm Bond Fund Class I Taxable Bond Fund
Multisector Bond	FSICX	Fidelity Strategic Income Fund Taxable Bond Fund
Intermediate-Term Bond	FBIDX	Fidelity U.S. Bond Index Fund Taxable Bond Fund
Short-Term Bond	PLDAX	Pacific Investment Management Company Low Duration Fund Administrative Class Taxable Bond Fund
SHORT GOVERNMENT	STABLEVALUE	Fidelity Advisor Stable Value PortfolioClass I Common/Collective Tr

Others
Retirement Income	FFFAX	Fidelity Freedom Income Fund Fixed Income Fund
Target Date 2000-2010	FFFBX	Fidelity Freedom 2000 Fund Target date retirement fund
Target Date 2000-2010	FFFVX	Fidelity Freedom 2005 Fund Target date retirement fund
Target Date 2000-2010	FFFCX	Fideltiy Freedom 2010 Fund Target date retirement fund
Target Date 2011-2015	FFVFX	Fidelity Freedom 2015 Fund Target date retirement fund
Target Date 2016-2020	FFFDX	Fidelity Freedom 2020 Fund Target date retirement fund
Target Date 2021-2025	FFTWX	Fidelity Freedom 2025 Fund Target date retirement fund
Target Date 2026-2030	FFFEX	Fidelity Freedom 2030 Fund Target date retirement fund
Target Date 2031-2035	FFTHX	Fidelity Freedom 2035 Fund Target date retirement fund
Target Date 2036-2040	FFFFX	Fidelity Freedom 2040 Fund Target date retirement fund
Target Date 2041-2045	FFFGX	Fidelity Freedom 2045 Fund Target date retirement fund
Target Date 2050+	FFFHX	Fidelity Freedom 2050 Fund Target date retirement fund
Moderate Allocation	OAKBX	Oakmark Equity Income Fund Class I Balanced fund
EQUITY	WTNY	Whitney Holding Corporation Stock Whitney Stock Fund

INTERNATIONAL EQUITY
Foreign Large Blend	FSIIX	Spartan International Index Fund Investor Class Foreign equity Large Cap

Investment model portfolios

We provide two types of investment model portfolios for WHITNEY NATIONAL BANK SAVINGS PLUS PLAN participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.

Customize a model portfolio now

Example model portfolios

The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.

Strategic Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
WHITNEY NATIONAL BANK SAVINGS PLUS PLAN Tactical Asset Allocation Moderate	NA	11.82%	7.35%	5.43%	5.07%	6.59%	6.52%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	9.98%	9.75%	10.95%	11.06%	12.38%	9.19%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	6.25%	1.69%	4.40%	4.69%	6.67%	5.54%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	WHITNEY NATIO… Moderate	-0.22	11.82	7.35	5.43	5.07	6.59	6.52	…	…	NA	NA	1.62	23.79	-6.02	7.11	9.42	8.90	-3.28	16.19	6.68	-1.72	1.04	14.13	7.78	2.05	6.68	18.86	-4.24	9.92	12.62	5.13	6.55	23.82	1.36	5.86	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	-1.25	9.98	9.75	10.95	11.06	12.38	9.19	…	…	NA	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	-0.67	6.25	1.69	4.40	4.69	6.67	5.54	…	…	NA	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	WHITNEY NATIO… Moderate	NA	2.12	0.71	0.85	0.76	NA	NA	…	…	NA	NA	0.22	2.62	-0.82	0.82	1.16	1.72	-0.61	3.14	1.26	-0.33	0.16	2.04	1.25	0.24	0.60	2.18	-1.22	0.72	1.23	0.49	0.68	3.54	0.05	0.79	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	WHITNEY NATIO… Moderate	NA	7.35	8.33	7.66	6.84	NA	NA	…	…	NA	NA	6.15	7.46	9.03	8.61	7.89	4.36	7.59	4.96	5.14	5.34	6.22	6.92	6.16	8.35	11.03	8.63	4.24	9.57	7.57	6.01	8.22	6.53	4.82	4.50	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	WHITNEY NATIO… Moderate	NA	4.44	13.27	13.27	13.27	NA	NA	…	…	NA	NA	1.08	4.44	11.19	4.61	10.76	3.63	9.30	1.78	4.05	5.64	6.78	5.50	5.73	7.07	10.46	4.24	8.99	7.50	8.80	4.88	7.65	3.20	5.65	3.79	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	WHITNEY NATIO… Moderate	NA	14.14	8.98	6.80	4.98	NA	NA	…	…	NA	NA	0.89	14.53	7.60	4.21	3.62	3.53	2.59	4.60	4.53	1.86	2.45	4.95	2.78	5.09	3.27	4.21	3.01	4.49	4.16	3.61	3.40	4.44	4.71	6.00	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.18	1.60	1.52	2.78	3.91	3.46	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.51	6.00	4.34	4.54	4.38	4.18	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2023, Common starting date is 12/31/2000

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