Atlantic Coast Bank Employees #8217 Savings and Profit Sharing Plan Investment Model Portfolios

Investment options of Atlantic Coast Bank Employees #8217 Savings and Profit Sharing Plan

Total Available Funds: 21

Asset Class

Ticker

Description

FIXED INCOME
SHORT GOVERNMENT	EVGOX	Federated Investors Inc. Government Obligations Fund @=@
Short-Term Bond	VFSTX	State Street Bank Tr Co. Short Term Investment Fund @=@
Short-Term Bond	VFSTX	State Street Bank Tr Co. S P Value Index @=@

Others
EQUITY	STT	State Street Bank Tr Co. S P Flagship Securities Lending Series Fund @=@
EQUITY	STT	State Street Bank Tr Co. Long US Treasury @=@
Moderate Allocation	VBINX	State Street Bank Tr Co. Pentegra Stable Value Fund @=@
Moderate Allocation	VBINX	State Street Bank Tr Co. Conservative Strategic Balanced Fund @=@
		State Street Bank Tr Co Moderate Strategic Balanced Fund @=@
		State Street Bank Tr Co. Aggressive Strategic Balanced Fund @=@
		State Street Bank Tr Co. S P Growth Index Series Fund @=@
		State Street Bank Tr Co. S P MidCap Index Series Fund @=@
		State Street Bank Tr Co. Russell 2000 Index Series Fund @=@
		State Street Bank Tr Co. Daily EAFE Index Series Fund @=@
EQUITY	STT	State Street Bank Tr Co. Security Lending FD CL-A @=@
EQUITY	STT	State Street Bank Tr Co. Target rtmt 2025 @=@
EQUITY	STT	State Street Bank Tr Co. Target rtmt 2035 @=@
EQUITY	STT	State Street Bank Tr Co. Target rtmt 2045 @=@

US EQUITY
LARGE BLEND	STFAX	State Street Bank Tr Co. REIT Index Non-Lending Series Fund @=@
LARGE BLEND	STFAX	State Street Bank Tr Co. Passive Bond Mkt Index @=@
LARGE BLEND	STFAX	State Street Bank Tr Co. Nasdaq 100 Index Fund @=@
US EQUITY	ACFC	Atlantic Coast Bank Certificate of Deposit Interest rate 1.59% mature 8/7/10 @=@

Investment model portfolios

We provide two types of investment model portfolios for Atlantic Coast Bank Employees #8217 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.

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