BANK OF FLORIDA CORPORATION 401K PLAN Investment Model Portfolios

Investment options of BANK OF FLORIDA CORPORATION 401K PLAN

Total Available Funds: 23

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	RERFX	American Funds EuroPacific Growth Fund
Foreign Large Growth	JAOSX	Janus Overseas Fund
WORLD STOCK	IGMIX	Oppenheimer Global Fund

US EQUITY
LARGE BLEND	RFNEX	American Funds Fundamental Investments
LARGE GROWTH	RGAFX	American Funds Growth Fund of Amer
MID-CAP BLEND	FLVIX	Fidelity Advisor Leveraged Co Stock Fund
SMALL BLEND	FSCIX	Fidelity Advisor Small Cap Fund
MID-CAP VALUE	DVMVX	Transamerica Partners Mid Cap Value Fund
LARGE BLEND	DSKIX	Transamerica Partners Stock Index Fund
SMALL VALUE	VISVX	Vanguard Small Cap Value Index Fund
SMALL BLEND	SSMVX	Wells Fargo Adv Small Cap Value Fund

Others
ROOT	CASH	Federated U.S. Treasury Cash Reserves Inst. Svc. Shares Fund N/A
Moderate Allocation	JABAX	Janus Balanced Fund
Target Date 2000-2010	VTOVX	Vanguard Target rtmt 2005 Fund
Target Date 2000-2010	VTENX	Vanguard Target rtmt 2010 Fund
Target Date 2011-2015	VTXVX	Vanguard Target rtmt 2015 Fund
Target Date 2016-2020	VTWNX	Vanguard Target rtmt 2020 Fund
Target Date 2021-2025	VTTVX	Vanguard Target rtmt 2025 Fund
Target Date 2031-2035	VTTHX	Vanguard Target rtmt 2035 Fund
Target Date 2041-2045	VTIVX	Vanguard Target rtmt 2045 Fund

FIXED INCOME
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Fund
Short-Term Bond	DVHQX	Transamerica Partners High Quality Bond Fund

REAL ESTATE
REAL ESTATE	VGSIX	Vanguard REIT Index Fund

Investment model portfolios

We provide two types of investment model portfolios for BANK OF FLORIDA CORPORATION 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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