BancorpSouth, Inc. 401(k) Profit-Sharing Plan Investment Model Portfolios

Investment options of BancorpSouth, Inc. 401(k) Profit-Sharing Plan

Total Available Funds: 23

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	AEPGX	American Funds Europacific Growth Fund
WORLD STOCK	TEDIX	Mutual Global Discovery Fund A
WORLD STOCK	OPGIX	Oppenheimer Global Fund A

Others
Moderate Allocation	AMECX	American Funds Income Fund Of America
Retirement Income	PARIX	T. Rowe Price Retirement Income Fund
Target Date 2000-2010	PARAX	T. Rowe Price Retirement 2010
Target Date 2016-2020	PARBX	T. Rowe Price Retirement 2020
Target Date 2026-2030	PARCX	T. Rowe Price Retirement 2030
Target Date 2036-2040	PARDX	T. Rowe Price Retirement 2040
Target Date 2026-2030	PARCX	T. Rowe Price Retirement 2050

US EQUITY
SMALL BLEND	KDSAX	DWS Dreman Small Cap Value Fund
Mid-Cap Growth	HMCJX	Eagle Mid Cap Stock Fund
Mid-Cap Growth	KAUAX	Federated Kaufmann Fund Class A
LARGE BLEND	GSSQX	Goldman Sachs Structured US Equity A
LARGE BLEND	NDMAX	Nationwide Inv Destinations Mod Con A
SMALL BLEND	NBGEX	Neuberger Berman Genesis Fund A
Small Growth	RVPCX	Royce Value Plus Service
LARGE GROWTH	TRSAX	T. Rowe Price Growth Stock Fund
MID-CAP BLEND	VMISX	Vanguard Mid Cap Index Fund Signal
MID-CAP VALUE	VASVX	Vanguard Selected Value Fund A
LARGE VALUE	ACGIX	Van Kampen Growth & Income Fund A

FIXED INCOME
Intermediate-Term Bond	FTRBX	Federated Total Return Bond Fund Is
Short-Term Bond	FSXIX	Fidelity Advisor Short Fixed Income — A

Investment model portfolios

We provide two types of investment model portfolios for BancorpSouth, Inc. 401(k) 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	Inception
BancorpSouth, Inc. 401(k) Profit-Sharing Plan Tactical Asset Allocation Moderate	NA	-11.81%	0.90%	1.03%	3.10%	3.99%	5.77%	5.64%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	-7.84%	12.14%	9.76%	12.14%	9.45%	10.11%	7.22%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	-8.47%	3.99%	3.84%	5.55%	4.84%	6.49%	5.06%

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Inception	YTD	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 (%)	BancorpSouth,... Moderate	0.29	-11.81	0.90	1.03	3.10	3.99	5.77	5.64	NA	NA	5.95	-22.63	4.38	16.05	11.65	-1.70	11.56	4.15	-1.94	1.38	12.71	4.86	2.22	8.22	17.38	-5.86	10.63	11.12	7.40	11.30	18.42	0.63	6.48	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)	-0.65	-7.84	12.14	9.76	12.14	9.45	10.11	7.22	NA	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)	-0.49	-8.47	3.99	3.84	5.55	4.84	6.49	5.06	NA	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	BancorpSouth,... Moderate	NA	-0.08	-0.01	-0.02	0.24	NA	NA	0.61	NA	NA	0.43	-1.43	0.43	1.74	2.40	-0.40	1.86	0.94	-0.42	0.21	1.81	0.86	0.32	0.78	2.11	-1.76	0.89	1.03	0.89	1.32	3.09	-0.11	1.03	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	0.54	0.86	0.87	0.64	NA	NA	0.45	0.36	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	0.82	0.73	0.60	0.49	NA	NA	0.51	1.05	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(%)	BancorpSouth,... Moderate	NA	14.57	12.39	10.42	8.52	NA	NA	7.66	NA	NA	9.60	16.74	10.06	9.10	4.26	7.61	5.89	4.21	4.71	6.63	6.98	5.58	6.86	10.49	8.20	3.86	8.59	7.59	5.91	7.87	5.73	4.42	4.03	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	19.83	17.26	17.44	18.49	NA	NA	18.10	24.44	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	10.47	10.12	10.09	10.41	NA	NA	11.48	12.44	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(%)	BancorpSouth,... Moderate	NA	13.94	28.87	28.87	28.87	NA	NA	28.87	NA	NA	5.86	26.80	5.82	12.92	3.06	7.95	4.24	4.16	5.13	5.35	4.50	5.59	4.42	8.35	4.59	8.55	6.15	9.88	3.90	7.46	3.39	5.95	3.02	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	18.76	18.76	24.59	33.83	NA	NA	55.25	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	9.62	12.88	22.29	22.43	NA	NA	41.18	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(%)	BancorpSouth,... Moderate	NA	3.43	6.47	5.46	3.50	NA	NA	3.70	NA	NA	0.58	2.66	9.64	6.69	5.22	2.50	0.28	2.00	1.70	3.55	0.63	2.73	2.36	2.47	3.91	2.96	5.67	5.70	3.85	2.21	3.38	4.15	6.57	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	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VSMGX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 02/28/2023, AR inception is 12/31/2000

Retirement Plan (401(k)) Info for BancorpSouth, Inc. 401(k) Profit-Sharing Plan

BANCORPSOUTH 401(K) PROFIT-SHARING PLAN

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