The Rockland Trust Company Employee Savings, Profit Sharing, and Stock Ownership Plan Investment Model Portfolios

—

Investment options of The Rockland Trust Company Employee Savings, Profit Sharing, and Stock Ownership Plan

Total Available Funds: 34

Asset Class

Ticker

Description

FIXED INCOME
SHORT GOVERNMENT	STABLEVALUE	DWS Stable Value Fund Collective Investment Trs
Intermediate Government	FICMX	Federated Income Tr Institutional Mutual Funds
Intermediate-Term Bond	HABDX	Harbor Bond Mutual Funds
Intermediate Government	CPTNX	American Century Government Bond Mutual Funds
Intermediate Government	BGNMX	American Century Ginnie Mae Mutual Funds
Intermediate-Term Bond	FTRBX	Federated Total Return Bond Mutual Fund
Short-Term Bond	PPILX	DWS Short Duration Plus
Inflation-Protected Bond	TIPIX	DWS Inflation Protected Plus
WORLD BOND	RPIBX	T. Rowe Price Retirement International Bond Mutual Fund
High Yield Bond	MHOIX	MFS High Yield Opportunities
Bank Loan	HFLYX	Hartford Floating Rate Mutual Fund

US EQUITY
LARGE BLEND	BTIEX	DWS Stock Index Fund Collective Investment Trs
LARGE BLEND	FMIHX	FMI Large Cap
Small Growth	BSCFX	Baron Small Cap Mutual Funds
LARGE GROWTH	FCNTX	Fidelity Contrafund Mutual Funds
Small Growth	AUSAX	Columbia Acorn USA Class Z Mutual Funds
MID-CAP VALUE	LAVLX	Lord Abbett Mid Cap Value Class A Mutual Funds
LARGE GROWTH	AMCPX	American AMCAP Class A Mutual Funds
SMALL BLEND	NBGEX	Neuberger Berman Genesis Tr
LARGE GROWTH	SGGAX	DWS Large Company Growth
LARGE GROWTH	JAMRX	Janus Research
LARGE VALUE	KDCIX	DWS Large Cap Value
LARGE GROWTH	JAVLX	Janus Twenty
MID-CAP VALUE	MIDVX	DWS Dreman Mid Cap Value

Others
ROOT	CASH	SSGA Money Mkt Fund Cash & Cash Equivalents
Moderate Allocation	DODBX	Dodge Cox Balance Mutual Funds n/a
Moderate Allocation	JABAX	Janus Balanced
Moderate Allocation	KTRIX	DWS Balanced

INTERNATIONAL EQUITY
WORLD STOCK	TAVFX	Third Avenue Value Mutual Funds
Foreign Large Value	TEMFX	Templeton Foreign Fund A Mutual Fund
FOREIGN SMALL/MID GROWTH	NBITX	Neuberger Berman International Tr

Emerging Market
DIVERSIFIED EMERGING MKTS	TEMUX	DWS Emerging Mkts Equity

COMMODITIES
COMMODITIES BROAD BASKET	CRSOX	Credit Suisse Commodity Return Strategy

REAL ESTATE
REAL ESTATE	RRRAX	DWS RREEF Global Real Estate Securities

Investment model portfolios

We provide two types of investment model portfolios for The Rockland Trust Company Employee Savings, Profit Sharing, and Stock Ownership 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	Common	Inception
The Rockland Trust Company Employee Savings, Profit Sharing, and Stock Ownership Plan Tactical Asset Allocation Moderate	NA	31.73%	-25.06%	-12.43%	-5.82%	-1.62%	1.75%	…	…
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 (%)	The Rockland … Moderate	-0.79	31.73	-25.06	-12.43	-5.82	-1.62	1.75	…	…	NA	-2.06	21.73	18.22	-71.85	16.47	6.91	10.18	-8.17	9.53	1.19	-5.02	3.41	6.75	8.68	-1.58	15.56	24.53	-7.33	17.30	18.28	12.06	10.82	25.80	10.89	4.04	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	The Rockland … Moderate	NA	1.39	-0.03	-0.02	-0.01	NA	NA	…	…	NA	-0.16	1.71	1.94	-0.04	1.59	0.77	1.67	-1.24	1.74	0.16	-0.74	0.59	1.04	1.63	-0.16	1.21	2.39	-0.96	1.23	1.68	1.40	1.13	4.35	1.96	0.32	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(%)	The Rockland … Moderate	NA	9.03	1,148.54	888.37	627.82	NA	NA	…	…	NA	13.50	8.87	7.19	1,991.93	10.34	8.70	5.24	7.64	5.12	6.25	6.83	5.77	6.47	5.30	9.79	12.80	10.20	8.64	11.60	8.92	7.06	8.71	5.77	4.99	5.47	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(%)	The Rockland … Moderate	NA	6.71	100.00	100.00	100.00	NA	NA	…	…	NA	2.20	5.67	5.06	100.00	4.85	12.30	2.88	13.84	3.24	6.10	10.46	6.47	7.47	4.73	9.71	8.74	5.10	15.17	10.73	10.75	5.47	11.52	2.66	2.58	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	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(%)	The Rockland … Moderate	NA	15.50	15.26	10.94	7.16	NA	NA	…	…	NA	NA	4.68	14.35	3.66	14.93	3.12	5.90	3.14	0.31	1.96	4.27	7.34	3.70	4.89	3.06	3.33	4.38	3.04	9.36	6.09	4.71	5.28	3.39	6.07	5.59	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

Click here for more plan details and features ►