Bank of Granite Employees Savings Profit Sharing Plan Investment Model Portfolios

Investment options of Bank of Granite Employees Savings Profit Sharing Plan

Total Available Funds: 20

Asset Class

Ticker

Description

Others
EQUITY	PSS	SSGA STIF Common Collective Tr Fund
unknown asset name	P_6137	SSGA NASDAQ 100 Index Non-Lending Fund Common Collective Tr Fund
unknown asset name	P_2367	SSGA Aggressive Strategic Balanced SL Fund Common Collective Tr Fund
unknown asset name	P_2367	SSGA Moderate Strategic Balanced SL Fund Common Collective Tr Fund
unknown asset name	P_2367	SSGA Conservative Strategic Balanced SL Fund Common Collective Tr Fund
ROOT	JMIDX	SSGA Target rtmt Fund 2045 SL Series Common Collective Tr Fund
ROOT	JMIDX	SSGA Target rtmt Fund 2035 SL Series Common Collective Tr Fund
ROOT	JMIDX	SSGA Target rtmt Fund 2025 SL Series Common Collective Tr Fund

REAL ESTATE
REAL ESTATE	DNY	SSGA Government STIF Fund Common Collective Tr Fund
REAL ESTATE	SSREX	SSGA REIT Index Non-Lending Series Fund Common Collective Tr Fund
REAL ESTATE	DNY	SSGA Security Lending Fund Common Collective Tr Fund

FIXED INCOME
Intermediate Government	LUTAX	SSGA Long US Treasury Index SL Series Common Collective Tr Fund
Muni National Interm	NUV	SSGA Pentegra Stable Value Fund Common Collective Tr Fund

US EQUITY
LARGE BLEND	SVSPX	SSGA S P Midcap Index SL Series Common Collective Tr Fund
LARGE BLEND	SVSPX	SSGA Passive Bond Mkt Index SL Series Common Collective Tr Fund
LARGE BLEND	SVSPX	SSGA S P 500 Flagship SL Series Common Collective Tr Fund
SMALL BLEND	IWM	SSGA Russell 2000 Index SL Series Fund Common Collective Tr Fund
LARGE BLEND	SVSPX	SSGA S P 500 Growth Index SL Fund Common Collective Tr Fund
LARGE BLEND	SVSPX	SSGA S P Value Index SL Fund Common Collective Tr Fund

INTERNATIONAL EQUITY
Foreign Large Blend	EFA	SSGA Daily EAFE Index SL Series Common Collective Tr Fund

Investment model portfolios

We provide two types of investment model portfolios for Bank of Granite Employees Savings 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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