METABANK PROFIT SHARING 401K PLAN Investment Model Portfolios

Investment options of METABANK PROFIT SHARING 401K PLAN

Total Available Funds: 26

Asset Class

Ticker

Description

Others
unknown	unknown	Meta Financial Group Inc. Individual equity
Financial	RPFGX	Davis Financial Fund Class A
Utilities	PRUAX	JennisonDryden Utility Fund Class Z
Health	PRHSX	T Rowe Price Health Sciences
Retirement Income	VTINX	Vanguard Target rtmt 2015
Retirement Income	VTINX	Vanguard Target rtmt 2035 Fund
Retirement Income	VTINX	Vanguard Target rtmt 2045 Fund
Retirement Income	VTINX	Vanguard Target rtmt FD 2025
Retirement Income	VTINX	Vanguard Target rtmt Income Fund
ROOT	CASH	TD Bank Instl MMDA FTCIMA Money market deposit account
ROOT	CASH	TD Bank USA MMDA Money market deposit account

US EQUITY
SMALL VALUE	PCVAX	Allianz NFJ Small-Cap Value Fund Class A
Mid-Cap Growth	TWVIX	American Century Vista
LARGE GROWTH	RGAFX	American Funds The Growth Fund of Amer
LARGE VALUE	EILVX	Eaton Vance Large-Cap Value Fund Class I
MID-CAP BLEND	FLVCX	Fidelity Advisor Leveraged Company Stock
Small Growth	LAGWX	Lord Abbett Developing Growth FD class A
SMALL BLEND	PENNX	Royce Pennsylvania Mutual Fund Invstmt C
LARGE BLEND	KNITX	Vanguard Index Tr-500 Portfolio
MID-CAP VALUE	VETAX	Victory Established Value Class A

REAL ESTATE
REAL ESTATE	CSRSX	Cohen Steers Realty Shares Inc.

INTERNATIONAL EQUITY
PACIFIC/ASIA EX-JAPAN STK	FERIX	Fidelity Advisor Emerging Mkts Class
Foreign Large Blend	LGIEX	Legg Mason Clearbridge Equity Income BUI

FIXED INCOME
SHORT GOVERNMENT	VFISX	Vanguard US Treasury Short-Term
Multisector Bond	MAFFX	Franklin/Templeton Instl Foreign Equity
Intermediate-Term Bond	MBDFX	Managers Fremont Bond Fund

Investment model portfolios

We provide two types of investment model portfolios for METABANK PROFIT SHARING 401K 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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