Central Jersey Bank, N.A. Employees’ Savings & Profit Sharing Plan and Trust Investment Model Portfolios

Investment options of Central Jersey Bank, N.A. Employees’ Savings & Profit Sharing Plan and Trust

Total Available Funds: 22

Asset Class

Ticker

Description

Others
unknown asset name	P_5911	State Street Bank Global Advisors Short Term Investment Fund
unknown asset name	P_14388	State Street Bank Global Advisors Moderate Strategic Balanced Securities Lending Fund
unknown asset name	P_14390	State Street Bank Global Advisors Conservative Strategic Balanced Securities Lending Fund
unknown asset name	P_5911	State Street Bank Global Advisors Target rtmt 2035 Fund
unknown asset name	P_14386	State Street Bank Global Advisors Aggressive Strategic Balanced Securities Lending Fund
unknown asset name	P_5911	State Street Bank Global Advisors Target rtmt 2025 Fund
Target Date 2000-2010	SWBRX	Schwab Window
unknown asset name	P_5911	State Street Bank Global Advisors Target rtmt 2045 Fund
unknown asset name	P_5911	State Street Bank Global Advisors Securities Lending Fund

US EQUITY
US EQUITY	FGHH	State Street Bank Global Advisors S P 500 Flagship Securities Lending Series Fund
LARGE BLEND	STFAX	State Street Bank Global Advisors S P Value Index Securities Lending Fund
US EQUITY	^MID	State Street Bank Global Advisors S P Midcap Index Securities Lending Series Fund
LARGE BLEND	STFAX	State Street Bank Global Advisors S P Growth Index Securities Lending Fund
LARGE BLEND	STFAX	State Street Bank Global Advisors NASDAQ 100 Index Non-Lending Series Fund
LARGE BLEND	STFAX	State Street Bank Global Advisors Long Treasury Index Fund
LARGE BLEND	STFAX	State Street Bank Global Advisors Daily EAFE Index Securities Lending Series Fund
LARGE BLEND	STFAX	State Street Bank Global Advisors Russell 2000 Index Securities Lending Series Fund
LARGE BLEND	STFAX	State Street Bank Global Advisors REIT Index Non-Lending Securities Fund
LARGE BLEND	STFAX	State Street Bank Global Advisors Passive Bond Mkt Index Securities Lending Series Fund
US EQUITY	CJBK	Central Jersey Bancorp investment in common stock

FIXED INCOME
SHORT GOVERNMENT	HOSGX	State Street Bank Global Advisors Government Short Term Investment Fund
Muni National Interm	NUV	Stable Value Fund

Investment model portfolios

We provide two types of investment model portfolios for Central Jersey Bank, N.A. Employees’ Savings & 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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