SANDY SPRING BANCORP INC. CASH and DEFERRED PROFIT SHARING PLAN Investment Model Portfolios

Investment options of SANDY SPRING BANCORP INC. CASH and DEFERRED PROFIT SHARING PLAN

Total Available Funds: 20

Asset Class

Ticker

Description

US EQUITY
LARGE GROWTH	RAFFX	American Funds Amcap R5 Mutual Fund
LARGE GROWTH	CVGRX	Calamos Growth A Mutual Fund
LARGE VALUE	DODGX	Dodge Cox Stock
SMALL BLEND	KDSSX	DWS Dreman Small Cap Value Fund CI S Mutual Fund
SMALL BLEND	NBGEX	Neuberger Berman Genesis Tr Mutual Fund
MID-CAP VALUE	RMCVX	RiverSource Mid Cap Value Fund R4 Mutual Fund
SMALL BLEND	RMT	Royce Micro Cap Invmt
Small Growth	UMBHX	UMB Scout Small Cap
LARGE BLEND	VIFSX	Vanguard 500 Index-Signal Shares Mutual Fund
LARGE VALUE	VEIPX	Vanguard Equity Income Inv Mutual Fund
MID-CAP BLEND	VMISX	Vanguard Mid Capitalization Index Fund Signal Shares Mutual Fund

Others
ROOT	CASH	Federated Govt Obligations Fd Money Mkt Fund
ROOT	CASH	Government Obligations Tax Managed Fund Money Mkt Fund
Moderate Allocation	OAKBX	Oakmark Equity Income I Mutual Fund

INTERNATIONAL EQUITY
FOREIGN SMALL/MID GROWTH	MWNIX	MFS International New Discovery Fund I Mutual Fund
Foreign Large Value	MSIQX	Morgan Stanley Inst International Equity

FIXED INCOME
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Instl
Inflation-Protected Bond	VAIPX	Vanguard Inflation Protected Securities Adm Mutual Fund
SHORT GOVERNMENT	VSGBX	Vanguard Short Term Fed - Inv Mutual Fund

REAL ESTATE
REAL ESTATE	TRREX	T.Rowe Price Real Estate

Investment model portfolios

We provide two types of investment model portfolios for SANDY SPRING BANCORP INC. CASH and DEFERRED 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

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