UNITY BANK EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN AND TRUST
Investment Model Portfolios

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Investment options of UNITY BANK EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN AND TRUST

Total Available Funds: 21

Asset Class

Ticker

Description

Others
ROOT	CASH	SSgA – Government Short Term Investment Fund
null	null	SSgA – S&P 500 Flagship SL Series Fund – Class A
null	null	SgA – S&P Midcap Index SL Series Fund – Class A
null	null	SSgA – S&P Growth Index SL Fund Series – Class A
null	null	SSgA – Pentegra Stable Value Fund
null	null	SSgA – International Index SL Series Fund – Class I
null	null	SSgA – Russell Small Cap SL Series Fund – Class I
null	null	SSgA – U.S. Long Treasury Index SL Series Fund,
null	null	SSgA – NASDAQ 100 Index NL Series Fund – Class A,
null	null	SSgA – Large Cap Value Index SL Series Fund,
null	null	SSgA – Moderate Strategic Balanced SL Fund,
null	null	SSgA – U.S. Bond Index SL Series Fund – Class I
null	null	SSgA – Target Retirement 2015 SL Series Fund – Class I
Moderate Allocation	FIBTX	SSgA-Aggressive Strategic Balanced SL Fund
null	null	SSgA – Conservative Strategic Balanced SL
null	null	SSgA/Tuckerman – REIT Index NL Series Fund – Class A
null	null	SSgA – Target Retirement 2035 SL Series Fund – Class I
null	null	SSgA – Target Retirement 2045 SL Series Fund – Class I
null	null	SSgA – Target Retirement 2025 SL Series Fund – Class I
ROOT	CASH	Collective Short-Term Investment Funds

INTERNATIONAL EQUITY
WORLD STOCK	FUNDX	Unity Bancorp, Inc. Stock Fund*

Investment model portfolios

We provide two types of investment model portfolios for UNITY BANK EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN AND TRUST 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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UNITY BANK EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN AND TRUST Investment Model Portfolios

Investment options of UNITY BANK EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN AND TRUST

Investment model portfolios

UNITY BANK EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN AND TRUST
Investment Model Portfolios