First Mid-Illinois Bancshares, Inc.Profit Sharing Plan & Trust Investment Model Portfolios

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Investment options of First Mid-Illinois Bancshares, Inc.Profit Sharing Plan & Trust

Total Available Funds: 31

Asset Class

Ticker

Description

US EQUITY
US EQUITY	FMBH	First Mid-Illinois Bancshares Inc.
LARGE VALUE	TWEIX	American Century Equity Income
LARGE BLEND	FMXKX	Federated Max Capital Index Fund
MID-CAP BLEND	FLPSX	Fidelity Low Priced Stock Fund
SMALL BLEND	KSCVX	Keely Small Cap Value Fund C
LARGE BLEND	SAPYX	Legg Mason ClearBridge app Fund
MID-CAP VALUE	JMIVX	Perkins Mid Cap Value
SMALL BLEND	RLPHX	Royce Low-Priced Stock Fund
MID-CAP VALUE	TRMCX	T. Rowe Price Retirement Mid-Cap Value Fund
LARGE GROWTH	RGAFX	The Growth Fund of Amer Inc.
LARGE GROWTH	VIGSX	Vanguard Growth Index Signal Fund
LARGE VALUE	VWNAX	Vanguard Windsor II – Admiral

INTERNATIONAL EQUITY
Foreign Large Blend	RERFX	American Funds EuroPacific Growth Fund
WORLD STOCK	RWIFX	American Funds Capital World G/I
WORLD STOCK	OAKGX	Oakmark Global I Fund

FIXED INCOME
WORLD BOND	BFWFX	American Funds Capital World Bond F-2
Intermediate-Term Bond	FTRBX	Federated Total Return Bond Fund
Intermediate-Term Bond	PTTDX	Pacific Investment Management Company Total Return D
High Yield Bond	PHYTX	Principal High Yield
Intermediate Government	VFIIX	Vanguard GNMA Fund

Others
Moderate Allocation	DODBX	Dodge Cox Balanced Fund
Natural Resources	RSNRX	RS Global Natural Resources A
Target Date 2000-2010	TRRAX	T. Rowe Price Retirement rtmt 2010 Fund
Target Date 2016-2020	TRRBX	T. Rowe Price Retirement rtmt 2020 Fund
Target Date 2026-2030	TRRCX	T. Rowe Price Retirement rtmt 2030 Fund
Target Date 2036-2040	TRRDX	T. Rowe Price Retirement rtmt 2040 Fund
Target Date 2050+	TRRMX	T. Rowe Price Retirement rtmt 2050 Fund
ROOT	CASH	Federated Prime Obligation Funds
UNKOWN	UNKOWN	NTHN Institutional Funds Government Select

REAL ESTATE
REAL ESTATE	PIREX	Principal Real Estate Securities

Emerging Market
DIVERSIFIED EMERGING MKTS	GBEMX	RS Emerging Mkts Fund

Investment model portfolios

We provide two types of investment model portfolios for First Mid-Illinois Bancshares, Inc.Profit Sharing Plan & Trust 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
First Mid-Illinois Bancshares, Inc.Profit Sharing Plan & Trust Tactical Asset Allocation Moderate	NA	13.48%	-0.06%	4.91%	3.83%	5.72%	8.43%	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	…	…

	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 (%)	First Mid-Ill… Moderate	-1.56	13.48	-0.06	4.91	3.83	5.72	8.43	…	…	NA	0.50	-1.50	10.04	-14.08	13.11	11.45	11.50	-3.35	11.22	0.38	-5.12	4.07	10.07	11.26	5.45	13.63	33.67	-1.71	21.11	18.52	14.58	12.33	20.77	5.53	7.14	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)	-1.79	37.82	8.86	15.20	12.89	14.04	10.46	…	…	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)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	…	…	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	First Mid-Ill… Moderate	NA	-0.72	-0.60	0.09	0.16	NA	NA	…	…	NA	0.06	-0.83	0.78	-1.57	1.43	1.24	2.13	-0.63	2.01	0.03	-0.74	0.71	1.39	2.16	0.61	0.95	3.53	-0.42	1.54	1.54	1.74	1.29	3.95	0.90	0.99	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	2.27	1.35	0.68	0.77	NA	NA	…	…	2.01	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	2.12	1.29	0.44	0.65	NA	NA	…	…	1.74	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(%)	First Mid-Ill… Moderate	NA	9.67	9.04	9.09	7.76	NA	NA	…	…	NA	7.14	9.70	7.41	9.85	9.16	9.02	4.73	7.41	5.26	6.09	6.94	5.74	7.22	5.18	8.90	14.30	9.50	6.31	11.75	9.88	7.13	8.84	5.08	4.93	4.88	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	11.89	14.81	16.89	18.11	NA	NA	…	…	13.52	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	8.19	8.90	10.01	10.31	NA	NA	…	…	10.15	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(%)	First Mid-Ill… Moderate	NA	9.64	12.99	15.17	15.17	NA	NA	…	…	NA	0.52	9.64	6.52	14.67	4.80	11.27	2.42	9.99	2.59	6.04	10.69	5.99	7.59	4.49	7.27	9.83	4.38	7.19	8.97	11.07	5.62	13.34	2.56	6.68	3.63	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(%)	First Mid-Ill… Moderate	NA	4.45	3.97	4.72	3.99	NA	NA	…	…	NA	NA	0.67	4.42	2.29	4.83	6.65	5.54	3.35	0.25	4.69	4.70	3.33	2.36	6.43	3.81	4.61	5.35	3.47	9.95	10.48	5.42	5.40	3.49	3.20	7.95	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 10/31/2024, Common starting date is 12/31/2000

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