Cascade Bancorp Employees’ 401(k) Profit Sharing Plan Investment Model Portfolios

Investment options of Cascade Bancorp Employees’ 401(k) Profit Sharing Plan

Total Available Funds: 21

Asset Class

Ticker

Description

FIXED INCOME
SHORT GOVERNMENT	STABLEVALUE	MFS Investment Management MFS Fixed Fund - Institutional
Intermediate-Term Bond	MRBHX	MFS Investment Management MFS Bond Fund R3

Others
Target Date 2016-2020	PARBX	T. Rowe Price Retirement rtmt Funds Inc. T. Rowe Price Retirement rtmt 2020 Adv
Utilities	MMUHX	MFS Investment Management MFS Utilities Fund R3
Target Date 2026-2030	PARCX	T. Rowe Price Retirement rtmt Funds Inc. T. Rowe Price Retirement rtmt 2030 Adv
Target Date 2000-2010	PARAX	T. Rowe Price Retirement rtmt Funds Inc. T. Rowe Price Retirement rtmt 2010 Adv
Target Date 2036-2040	PARDX	T. Rowe Price Retirement rtmt Funds Inc. T. Rowe Price Retirement rtmt 2040 Adv
Moderate Allocation	CTFAX	Columbia Management Columbia Acorn Fund A
Moderate Allocation	MSFHX	MFS Investment Management MFS Total Return Fund R3
Retirement Income	PARIX	T. Rowe Price Retirement rtmt Funds Inc. T. Rowe Price Retirement rtmt Income Adv
Target Date 2050+	TRRMX	T. Rowe Price Retirement rtmt Funds Inc. T. Rowe Price Retirement rtmt 2050 Adv
unknown	unknown	TOTAL SHARES OF REGISTERED INVESTMENT CompositeANIES

INTERNATIONAL EQUITY
Foreign Large Blend	MRSHX	MFS Investment Management MFS Research International Fund R3

US EQUITY
LARGE BLEND	NYVTX	Davis Funds Davis NY Venture Fund A
LARGE GROWTH	RGACX	American Funds American Funds Growth Fund of Amer R3
LARGE VALUE	MEIHX	MFS Investment Management MFS Value Fund R3
Mid-Cap Growth	THCGX	Thornburg Investment Management Thornburg Core Growth Fund A
SMALL VALUE	AVFIX	American Beacon Advisors Inc. American Beacon Small-Cap Value Fund I
MID-CAP VALUE	GCMAX	Goldman Sachs Goldman Sachs Mid Cap Value Fund A
LARGE BLEND	DSPIX	The Dreyfus Corporation Dreyfus Basic S P 500 Stock Index Fund A
US EQUITY	CACB	Cascade Bancorp Cascade Bancorp Stock Fund(4.25% - 9.25%) -

Investment model portfolios

We provide two types of investment model portfolios for Cascade Bancorp Employees’ 401(k) Profit Sharing 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	Inception
Cascade Bancorp Employees’ 401(k) Profit Sharing Plan Tactical Asset Allocation Moderate	NA	34.19%	11.15%	11.27%	7.29%	6.96%	7.38%	7.32%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	8.70%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	5.79%

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Inception	YTD	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 (%)	Cascade Banco... Moderate	-0.79	34.19	11.15	11.27	7.29	6.96	7.38	7.32	NA	22.51	21.73	-8.12	10.66	11.82	9.64	-2.77	13.12	0.30	-0.90	-1.27	15.09	5.37	2.58	6.80	17.33	-3.84	7.99	13.53	6.78	12.65	14.40	-0.96	2.31	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	8.70	NA	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	5.79	NA	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	Cascade Banco... Moderate	NA	1.93	0.92	0.95	0.78	NA	NA	0.82	0.15	1.71	2.39	-1.05	1.25	0.96	2.44	-0.55	2.71	0.02	-0.19	-0.21	2.14	0.92	0.34	0.59	2.18	-1.59	0.51	1.30	0.80	1.73	2.37	-0.51	0.01	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	0.60	0.95	0.80	0.65	NA	NA	0.45	0.51	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	0.62	0.74	0.50	0.48	NA	NA	0.51	0.88	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(%)	Cascade Banco... Moderate	NA	9.34	8.65	9.40	7.56	NA	NA	7.17	9.78	9.31	7.31	9.05	8.54	12.02	3.38	7.37	4.61	4.08	4.95	6.25	7.04	5.79	7.56	11.31	7.90	2.99	9.74	7.89	5.76	6.75	5.77	4.09	0.05	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	19.74	17.13	17.38	18.46	NA	NA	18.09	23.24	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	10.45	10.08	10.06	10.41	NA	NA	11.48	11.95	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(%)	Cascade Banco... Moderate	NA	5.38	12.29	13.93	13.93	NA	NA	13.93	0.58	5.38	4.08	12.93	4.65	13.93	1.47	8.39	1.57	4.84	5.40	5.34	4.73	5.86	5.69	10.25	4.04	5.28	7.20	9.34	3.80	5.17	2.83	4.05	0.00	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)	NA	18.76	18.76	24.59	33.83	NA	NA	55.25	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	9.62	12.88	22.29	22.43	NA	NA	41.18	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(%)	Cascade Banco... Moderate	NA	15.37	11.62	8.44	5.04	NA	NA	3.80	NA	4.29	15.12	8.99	5.95	3.83	3.91	1.80	0.45	2.11	1.35	2.35	2.53	1.87	1.84	2.20	2.66	1.72	6.05	6.34	3.90	4.32	0.67	0.92	2.31	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	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VSMGX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2024, AR inception is 12/31/2000

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