VALLEY NATIONAL BANK SAVINGS AND INVESTMENT PLAN
Investment Model Portfolios

Total Available Funds: 30
Asset Class Ticker Description
Others
ROOT CASH Fidelity Cash Reserves
Moderate Allocation FBALX Fidelity Balanced Fund
Retirement Income FFFAX Fidelity Freedom Income Fund
Target Date 2000-2010 FFFBX Fidelity Freedom 2000 Fund
Target Date 2000-2010 FFFVX Fidelity Freedom 2005 Fund
Target Date 2000-2010 FFFCX Fidelity Freedom 2010 Fund
Target Date 2011-2015 FFVFX Fidelity Freedom 2015 Fund
Target Date 2016-2020 FFFDX Fidelity Freedom 2020 Fund
Target Date 2021-2025 FFTWX Fidelity Freedom 2025 Fund
Target Date 2026-2030 FFFEX Fidelity Freedom 2030 Fund
Target Date 2031-2035 FFTHX Fidelity Freedom 2035 Fund
Target Date 2036-2040 FFFFX Fidelity Freedom 2040 Fund
Target Date 2041-2045 FFFGX Fidelity Freedom 2045 Fund
Target Date 2050+ FFFHX Fidelity Freedom 2050 Fund
Moderate Allocation OAKBX Oakmark Equity & Income
ROOT CASH Fed UST Cash Reserve
unknown unknown Fidelity Managed Income Portfolio
US EQUITY
LARGE BLEND FUSEX Spartan U.S. Equity Index Fund Investor Class
LARGE GROWTH FDGRX Fidelity Growth Company Fund
LARGE BLEND AIGOX Fidelity Growth Income Portfolio
LARGE VALUE EQPIX Fidelity Advisor Equity Income Fund Class I
MID-CAP BLEND FLPSX Fidelity Low-Priced Stock Fund
LARGE BLEND FDGFX Fidelity Dividend Growth Fund
MID-CAP VALUE FPPTX FPA Capital Fund Inc
LARGE GROWTH RGAEX American Funds Growth Fund of Amer Class R4
LARGE VALUE VAFGX Valley Common Stock Fund
INTERNATIONAL EQUITY
WORLD STOCK FWWFX Fidelity Worldwide Fund
Foreign Large Growth FDIVX Fidelity Diversified International Fund
FIXED INCOME
SHORT GOVERNMENT FFXSX Fidelity Institutional Short-interm Government Fund
Intermediate-Term Bond PTRAX Pacific Investment Management Company Total Return Fund Administrative Class

The following is a moderate-risk model portfolio constructed from the investment options of VALLEY NATIONAL BANK SAVINGS AND INVESTMENT PLAN.

This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.

Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.

Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.

Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies


Retirement Plan (401(k)) Info for VALLEY NATIONAL BANK SAVINGS AND INVESTMENT PLAN (VLY)

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