The Bank of Greene County Employees Savings and Profit Sharing Plan
Investment Model Portfolios

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Investment options of The Bank of Greene County Employees Savings and Profit Sharing Plan

Total Available Funds: 20

Asset Class

Ticker

Description

Others
ROOT	unknow	State Street Global Advisor Pentegra Stable Value Fund
Moderate Allocation	SLBRX	State Street Global Advisor Moderate Strategic Balanced SL Fund
Conservative Allocation	SLIRX	State Street Global Advisor Conservative Strategic Balanced SL
Moderate Allocation	SSGAX	State Street Global Advisor Aggressive Strategic Balanced SL
ROOT	unknow	State Street Global Advisor Daily EAFE Index SL
World Allocation	AOR	State Street Global Advisor S P Growth Index SL
ROOT	MIMIX	State Street Global Advisor S P Midcap Index SL
ROOT	^NDX	State Street Global Advisor NASDAQ 100 Index Non-Lending Fund
ROOT	unknow	State Street Global Advisor Target rtmt 2015 SL
ROOT	unknow	State Street Global Advisor Target rtmt 2025 SL
ROOT	unknow	State Street Global Advisor Target rtmt 2035 SL
ROOT	unknow	State Street Global Advisor Target rtmt 2045 SL
SPECIALTY-REAL ESTATE	RWR	State Street Global Advisor REIT Index Non-Lending Series

FIXED INCOME
Intermediate-Term Bond	SBMRX	State Street Global Advisor Passive Bond Mkt Index SL
LONG GOVERNMENT	TLO	State Street Global Advisor Long US Treasury Index SL
Short-Term Bond	VFSTX	State Street Global Advisor Short Term Investment Fund
Intermediate Government	FGOAX	Federated Government Obligation Fund

US EQUITY
SMALL BLEND	IWM	State Street Global Advisor Russell 2000 Index SL
LARGE BLEND	SPY	State Street Global Advisor S P 500 Flagship SL
LARGE VALUE	IVE	State Street Global Advisor S P Value Index SL

Investment model portfolios

We provide two types of investment model portfolios for The Bank of Greene County Employees Savings and 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

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The Bank of Greene County Employees Savings and Profit Sharing Plan Investment Model Portfolios

Investment options of The Bank of Greene County Employees Savings and Profit Sharing Plan

Investment model portfolios

The Bank of Greene County Employees Savings and Profit Sharing Plan
Investment Model Portfolios