ONEIDA SAVINGS BANK 401(K) SAVINGS PLAN Investment Model Portfolios

Oneida Financial Corp. (Ticker:ONFC) has the “ONEIDA SAVINGS BANK 401(K) SAVINGS PLAN “.
Bank of Kentucky Financial Cor (Ticker:BKYF) has the “ONEIDA SAVINGS BANK 401(K) SAVINGS PLAN “.

Investment options of ONEIDA SAVINGS BANK 401(K) SAVINGS PLAN

Total Available Funds: 35

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	RFNFX	American Funds FDMNTL Inv
LARGE GROWTH	RGAFX	American Funds Growth Fund
LARGE VALUE	CVFCX	Pioneer Cullen Value A
US EQUITY	ONFC	Oneida Financial Corp. Common Stock
MID-CAP BLEND	SYVIX	Sentinel Mid Cap Value I
Small Growth	VISGX	Vanguard Small Cap Growth
SMALL BLEND	RVT	Royce Value
LARGE GROWTH	RGAFX	American Funds Growth FND R5
Mid-Cap Growth	BMEAX	Blackrock US Opportunities
LARGE VALUE	CVFCX	Pioneer Cullen Value A
MID-CAP VALUE	JMCVX	Perkins Mid Cap Value A
Mid-Cap Growth	BMEAX	BlackRock US Opportunities A
MID-CAP VALUE	JMVAX	Janus Investment Fund,Perkins Mid Cap Value A
LARGE VALUE	CVFCX	Pioneer Cullen Value A
SMALL BLEND	RVT	Royce Value
MID-CAP BLEND	SYVIX	Sentinel Mid Cap Value I
SMALL VALUE	VSCAX	Van Kampen Small Cap Value A
Small Growth	VISGX	Vanguard Small-Cap Grth IND I

Others
Target Date 2016-2020	MTNKX	Manning and Napier Target 2020K
Target Date 2026-2030	MTPKX	Manning & Napier Target 2030 K
Target Date 2036-2040	MTTKX	Manning & Napier Target 2040 K
Target Date 2000-2010	MTHKX	Manning & Napier Target 2010 K
Moderate Allocation	MNMIX	Manning & Napier Pro-Blend Moderate
Retirement Income	MTDKX	Manning & Napier Target Income K

FIXED INCOME
Intermediate-Term Bond	TGLMX	TCW Total Return Bond I
WORLD BOND	RCWFX	American Funds Capwld
Intermediate-Term Bond	TGLMX	TCW Total Return Bond I
WORLD BOND	TPINX	Templeton Global Bond Account
SHORT GOVERNMENT	VFISX	Vanguard Short-Term US Treas

INTERNATIONAL EQUITY
Foreign Large Blend	RERFX	American Funds Europacific
Foreign Large Blend	RERFX	American Funds Europacific R5
Foreign Large Blend	HAINX	Harbor International
Foreign Large Growth	JAOSX	Janus Overseas

REAL ESTATE
Global Real Estate	IGLAX	ING Global Real Estate A

Emerging Market
DIVERSIFIED EMERGING MKTS	LZEMX	Lazard Emerg Markets FD

Investment model portfolios

We provide two types of investment model portfolios for ONEIDA SAVINGS BANK 401(K) SAVINGS 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
ONEIDA SAVINGS BANK 401(K) SAVINGS PLAN Tactical Asset Allocation Moderate	NA	15.62%	0.86%	4.34%	3.05%	3.63%	6.74%	…	…
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 (%)	ONEIDA SAVING… Moderate	-1.09	15.62	0.86	4.34	3.05	3.63	6.74	…	…	NA	0.88	3.20	11.19	-13.72	11.76	12.71	2.66	-8.68	10.42	7.62	-6.35	3.32	9.99	3.33	-1.77	6.32	26.11	-2.96	18.10	22.07	15.58	19.18	20.14	6.98	7.94	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	ONEIDA SAVING… Moderate	NA	-0.16	-0.41	0.25	0.14	NA	NA	…	…	NA	0.08	-0.32	0.93	-1.63	1.25	1.54	0.19	-1.30	1.59	1.07	-1.01	0.56	1.23	0.66	-0.20	0.56	2.66	-0.72	1.28	2.24	2.06	2.26	3.66	1.25	1.66	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(%)	ONEIDA SAVING… Moderate	NA	10.72	9.26	9.08	7.99	NA	NA	…	…	NA	9.85	10.73	7.43	9.28	9.38	8.08	6.47	7.70	6.17	6.92	6.31	5.93	8.10	4.99	8.97	11.19	9.79	5.38	11.79	8.40	6.51	8.07	5.31	4.70	3.39	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(%)	ONEIDA SAVING… Moderate	NA	7.47	14.24	14.88	15.17	NA	NA	…	…	NA	0.72	7.47	6.50	14.49	5.29	7.08	6.02	14.59	2.69	4.81	9.51	5.96	7.26	5.86	9.93	8.99	4.47	6.46	9.62	10.59	5.38	10.11	3.51	6.49	2.07	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(%)	ONEIDA SAVING… Moderate	NA	5.08	4.58	3.89	3.36	NA	NA	…	…	NA	NA	0.82	4.84	3.78	4.69	2.16	4.28	4.40	0.46	3.12	2.27	3.47	5.06	4.10	3.50	4.92	6.44	3.68	9.20	6.71	6.55	5.22	4.01	4.54	6.16	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

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