SAVINGS and PROFIT SHARING PLAN FOR EMPLOYEES OF FIRST INTERSTATE BANCSYSTEM INC Investment Model Portfolios

Investment options of SAVINGS and PROFIT SHARING PLAN FOR EMPLOYEES OF FIRST INTERSTATE BANCSYSTEM INC

Total Available Funds: 21

Asset Class

Ticker

Description

Others
unknown	unknown	First Interstate BancSystem Inc. Employer securities
Moderate Allocation	ABAAX	Accessor Capital Management Balanced Allocation Fund mutual fund
ROOT	CASH	Fidelity Management Research Money Mkt Fund mutual fund
Conservative Allocation	ACIGX	Accessor Capital Management Income Growth Allocation Fund mutual fund
unknown	unknown	Metropolitan Life Insurance Company MetLife Stable Value Fund GIC
ROOT	CASH	Fidelity Cash Reserves Money Mkt Fund

US EQUITY
LARGE BLEND	ACGAX	Accessor Capital Management Growth Allocation Fund mutual fund
LARGE BLEND	ACAIX	Accessor Capital Management Aggressive Growth Allocation Fund mutual fund
LARGE BLEND	FUSVX	Fidelity Management Research Spartan U.S. Equity Index Fund mutual fund
LARGE BLEND	NYVTX	Davis Funds Davis NY Venture mutual fund
LARGE VALUE	PRFDX	T Rowe Price Associates Inc. Equity Income Fund mutual fund
Small Growth	LKSCX	Luther King Capital Management Corp. Small Cap Equity Fund mutual fund
LARGE GROWTH	EQPGX	Fidelity Management Research Advisor Equity Growth Fund mutual fund
SMALL BLEND	NAESX	Vanguard Group Small Cap Stock Index Tr Fund mutual fund
MID-CAP BLEND	VIMSX	Vanguard Group Mid Cap Stock Index Fund mutual fund

FIXED INCOME
Intermediate-Term Bond	AIAIX	Accessor Capital Management Growth Income Allocation Fund mutual fund
Intermediate Government	VFITX	Vanguard Group interm Term Treasury Admiral Fund mutual fund
Intermediate-Term Bond	DODIX	Dodge Cox Dodge Cox Income Fund mutual fund
Intermediate-Term Bond	AIAIX	Accessor Capital Management Income Allocation Fund mutual fund

INTERNATIONAL EQUITY
Foreign Large Blend	HAINX	Harbor Capital Advisors Harbor International Fund mutual fund

Emerging Market
DIVERSIFIED EMERGING MKTS	IEMFX	T Rowe Price Associates Inc. Emerging Mkts Stock Fund mutual fund

Investment model portfolios

We provide two types of investment model portfolios for SAVINGS and PROFIT SHARING PLAN FOR EMPLOYEES OF FIRST INTERSTATE BANCSYSTEM INC 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

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