STERLING BANCORP/STERLING NATIONAL BANK 401(k) PLAN
Investment Model Portfolios
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Investment options of STERLING BANCORP/STERLING NATIONAL BANK 401(k) PLAN
Total Available Funds: 39
| Asset Class |
Ticker
| Description |
| US EQUITY |
|
|
| LARGE GROWTH |
RGAFX |
Am Fds Grth Fd of Am R3 Fd |
| LARGE BLEND |
AFDAX |
Am Funds Fdmntl Inv. R3 Fund |
| Mid-Cap Growth |
ATHAX |
Am Cent Heritage A Fund |
| SMALL VALUE |
ACSCX |
Am Cent Sm Cap Val Adv Fund |
| LARGE BLEND |
NBSTX |
Neub Berm Soc Resp Tr Fund |
| Mid-Cap Growth |
TWVAX |
Am Cent Vista Advisor Fund |
| SMALL BLEND |
FSCTX |
Fidelity Adv Small Cap T Fund |
| LARGE BLEND |
PLFIX |
Principal Global Investors Lg Cap S P 500 Index Sep Acct |
| LARGE GROWTH |
ABPRX |
AllianceBernstein/Westwood Large Cap Value III Sep Acct |
| MID-CAP BLEND |
PCBIX |
Principal Global Investors Mid Cap Blend Sep Acct |
| SMALL BLEND |
PSLIX |
Principal Global Investors Small Cap Blend Sep Acct |
| Mid-Cap Growth |
BCMSX |
Goldman Sachs/LA Capital Mgmt Mid Cap Value I Sep Acct |
| Small Growth |
QUARX |
AllianceBernstein/CCI Small Cap Growth I Sep Acct |
| Small Growth |
MBRSX |
Emerald/Essex Small Cap Growth II Sep Acct |
| LARGE BLEND |
RELSX |
Russell Investment Group Russ Life Eq Growth St Sep Acct |
| Mid-Cap Growth |
TMGEX |
Turner/Mellon/Jacobs Levy Mid Cap Growth III Sep Acct |
| LARGE BLEND |
PLFPX |
Principal Global Investors/DFA Principal Financial Grp In Stk Sep Acct |
|
| FIXED INCOME |
|
|
| Multisector Bond |
FSIAX |
Fidelity Advisor Govt Income T Fund |
| Intermediate-Term Bond |
PMSIX |
Principal Global Investors Bond & Mtg Sep Acct 460.5150 |
|
| Others |
|
|
| Technology |
FATEX |
Fidelity Adv. Technology T. Fund |
| Utilities |
MMUFX |
MFS Utilities A Fund |
| ROOT |
CASH |
Principal Global Investors Money Mkt Sep Acct |
| Target Date 2026-2030 |
PMTIX |
Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2030 Sep Acct. |
| Moderate Allocation |
RBLSX |
Russell Investment Group Russ Life Bal Str Sep Acct |
| unknown |
unknown |
Columbus Circle Investors Large Cap Growth Sep Acct |
| Target Date 2000-2010 |
PTTIX |
Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2010 Sep Acct. |
| Target Date 2016-2020 |
PLWIX |
Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2020 Sep Acct. |
| unknown |
unknown |
Principal Financial Advisors Stock Emphasis Bal Sep Acct |
| Target Date 2036-2040 |
PTDIX |
Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2040 Sep Acct. |
| Conservative Allocation |
RCLEX |
Russell Investment Group Russ Life Con Str Sep Acct |
| Conservative Allocation |
RMLSX |
Russell Investment Group Russ Life Mod Str Sep Acct |
| Moderate Allocation |
RALSX |
Russell Investment Group Russ Life Grw Str Sep Acct |
| Target Date 2050+ |
PPLIX |
Prin Mgmt Corp/Prin Global Inv. Principal Lifetm 2050 Sep Acct |
| Retirement Income |
PLSIX |
Prin Mgmt Corp/Prin Global Inv Principal Lifetm Str Inc. Sep. Acct |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
RERFX |
Am Fds Europacific Grth R3 Fd |
| Foreign Large Blend |
PIIIX |
Principal Global Investors Diversified Intl Sep Acct |
| Foreign Small/Mid Value |
DISVX |
Principal Global Investors/Dfa Intl Small Cap Sep Acct |
| Foreign Small/Mid Value |
DISVX |
DFA/Vaughan Nelson/LA Capital Small Cap Value II Sep. Acct |
|
| REAL ESTATE |
|
|
| REAL ESTATE |
PIREX |
Principal Real Estate Inv. U.S. Property Sep Acct 748.7823 |
|
Investment model portfolios
We provide two types of investment model portfolios for STERLING BANCORP/STERLING NATIONAL BANK 401(k) 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.
