First Federal of Northern Michigan Employees #8217 Savings Profit Sharing Plan Investment Model Portfolios

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Investment options of First Federal of Northern Michigan Employees #8217 Savings Profit Sharing Plan

Total Available Funds: 20

Asset Class

Ticker

Description

Others
ROOT	CASH	The Principal Interest Bearing Cash – Cash Account
unknown	unknown	Principal Life Insurance Company Principal U.S. Property Account
Retirement Income	PLSPX	Principal Life Insurance Company Principal Lifetime Str income
Target Date 2000-2010	PTAPX	Principal Life Insurance Company Principal Lifetime 2010
Target Date 2016-2020	PTBPX	Principal Life Insurance Company Principal Lifetime 2020
Target Date 2026-2030	PTCPX	Principal Life Insurance Company Principal Lifetime 2030
Target Date 2036-2040	PTDPX	Principal Life Insurance Company Principal Lifetime 2040
Target Date 2050+	PTEFX	Principal Life Insurance Company Principal Lifetime 2050

FIXED INCOME
Intermediate-Term Bond	PBMPX	Principal Life Insurance Company Principal Bond & Mortgage

US EQUITY
LARGE BLEND	PCWPX	Principal Life Insurance Company Principal Partner Growth
LARGE BLEND	PDPBX	Principal Life Insurance Company Principal Disciplined Large-Cap Blend
LARGE VALUE	PAFBX	Principal Life Insurance Company Principal Partner Large-Cap Value I
Small Growth	PPMPX	Principal Life Insurance Company Principal Partner Small-Cap Growth II
MID-CAP VALUE	PABVX	Principal Life Insurance Company Principal Partner Mid-Cap Value I
MID-CAP BLEND	PMFPX	Principal Life Insurance Company Principal Mid-Cap S P 400 Index
SMALL BLEND	PSSPX	Principal Life Insurance Company Principal Partner Small-Cap S P 600 Index
SMALL VALUE	PSVPX	Principal Life Insurance Company Principal Small-Cap Value
Mid-Cap Growth	PPQPX	Principal Life Insurance Company Principal Partner Mid-Cap Growth III

INTERNATIONAL EQUITY
Foreign Large Blend	Principal Diversified Intl	Principal Life Insurance Company Principal Diversified International

Emerging Market
DIVERSIFIED EMERGING MKTS	PEPSX	Principal Life Insurance Company Principal International Emerging Mkts

Investment model portfolios

We provide two types of investment model portfolios for First Federal of Northern Michigan Employees #8217 Savings Profit Sharing 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
First Federal of Northern Michigan Employees #8217 Savings Profit Sharing Plan Tactical Asset Allocation Moderate	NA	11.39%	-4.25%	2.46%	3.14%	4.51%	5.46%	…	…
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 (%)	First Federal… Moderate	-1.05	11.39	-4.25	2.46	3.14	4.51	5.46	…	…	NA	0.35	-1.98	7.49	-16.91	2.09	17.68	10.82	-5.14	13.09	8.12	-4.52	-2.87	14.77	6.57	1.04	11.82	25.73	-8.43	15.34	11.27	2.84	9.83	14.19	1.11	2.31	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	First Federal… Moderate	NA	-0.73	-0.56	-0.11	0.10	NA	NA	…	…	NA	0.05	-0.90	0.15	-2.03	0.20	2.00	1.90	-0.84	1.92	1.54	-0.89	-0.49	1.98	0.98	0.12	1.00	2.71	-2.04	1.07	1.14	0.11	1.13	1.75	0.01	0.01	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(%)	First Federal… Moderate	NA	9.43	14.44	12.75	9.95	NA	NA	…	…	NA	6.24	9.50	21.36	9.01	10.52	8.72	4.95	7.72	6.48	5.15	5.11	5.85	7.44	6.65	8.24	11.69	9.47	4.59	11.53	7.05	6.31	7.85	7.72	0.01	0.05	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(%)	First Federal… Moderate	NA	8.22	21.53	26.29	26.29	NA	NA	…	…	NA	0.35	8.20	10.68	17.67	9.00	9.93	4.07	11.49	3.07	3.67	8.18	6.46	4.69	6.35	7.55	9.71	5.12	9.08	8.22	6.08	4.87	6.99	3.65	0.00	0.00	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(%)	First Federal… Moderate	NA	3.31	2.44	3.20	2.69	NA	NA	…	…	NA	NA	0.50	3.48	1.75	1.57	4.58	4.76	3.56	0.11	2.91	1.13	3.07	4.11	1.94	3.08	1.47	1.76	1.40	8.13	4.69	2.90	4.18	1.21	1.11	2.31	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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