BANCORPSOUTH INC. 401K PROFIT SHARING PLAN AND TRUST Investment Model Portfolios

Investment options of BANCORPSOUTH INC. 401K PROFIT SHARING PLAN AND TRUST

Total Available Funds: 11

Asset Class

Ticker

Description

US EQUITY
SMALL VALUE	KDSAX	DWS Value Series
Mid-Cap Growth	KAUFX	Federated Equity Funds: Federated Kaufmann Fund; Class R Shares
Mid-Cap Growth	NBGNX	Neuberger Berman Equity Funds: Neuberger Berman Genesis Fund; Investor Class
Mid-Cap Growth	KAUAX	Federated Equity Funds: Federated Kaufmann Fund; Class A Shares

FIXED INCOME
Short-Term Bond	FSFAX	Fidelity Advisor Series II: Fidelity Advisor Short Fixed-Income Fund; Class A Shares
Intermediate-Term Bond	FTRBX	Federated Total Return Series

INTERNATIONAL EQUITY
Foreign Large Blend	REREX	EuroPacific Growth Fund; Class R-4 Shares
WORLD STOCK	TEDIX	Franklin Mutual Series Funds: Mutual Global Discovery Fund; Class A Shares
WORLD STOCK	OPPAX	Oppenheimer Global Fund; Class A Shares

Others
Conservative Allocation	NSDCX	Nationwide Mutual Funds: Nationwide Investor Destinations Moderately Conservative Fund; Service Class Shares
Moderate Allocation	RIDEX	Income Fund of America; Class R-4 Shares

Investment model portfolios

We provide two types of investment model portfolios for BANCORPSOUTH INC. 401K PROFIT SHARING PLAN AND TRUST 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

Click here for more plan details and features ►