FIRST MERCHANTS CORPORATION RETIREMENT INCOME AND SAVINGS PLAN Investment Model Portfolios

Investment options of FIRST MERCHANTS CORPORATION RETIREMENT INCOME AND SAVINGS PLAN

Total Available Funds: 30

Asset Class

Ticker

Description

US EQUITY
SMALL BLEND	SMEIX	AIM Small Cap Equity Fund
LARGE GROWTH	RAFFX	American Funds Amcap Fund
Small Growth	PSGIX	Blackrock Small Cap Growth Fund
Mid-Cap Growth	FRSLX	First American Mid Cap Growth Opportunity Fund
LARGE BLEND	FAEIX	First American Equity Index Fund
MID-CAP BLEND	FMCYX	First American Mid Cap Index Fund
SMALL VALUE	FVFRX	Franklin Small Cap Value Fund
MID-CAP VALUE	GCMAX	Goldman Sachs Mid Cap Equity Fund
LARGE VALUE	MEIIX	MFS Value Fund
LARGE BLEND	MITIX	MFS Massachusetts Investors Tr Fund

REAL ESTATE
REAL ESTATE	IARIX	AIM Real Estate Fund

INTERNATIONAL EQUITY
Foreign Large Blend	RERFX	American Funds Europacific Fund
FOREIGN SMALL/MID GROWTH	ISCIX	Federated International Small-Mid Co Fund
Foreign Large Growth	FDIVX	Fidelity Advisor Diversified International Fund
Foreign Large Value	TFEQX	Templeton Foreign Fund

FIXED INCOME
High Yield Bond	RITFX	American Funds High Income Tr Fund
WORLD BOND	CWBFX	American Funds Capital World Bond
LONG GOVERNMENT	FEDBX	Federated U.S. Government Fund
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Fund

Others
Target Date 2000-2010	FCIFX	Fidelity Advisor Freedom 2010 Fund
Target Date 2011-2015	FFVIX	Fidelity Advisor Freedom 2015 Fund
Target Date 2016-2020	FDIFX	Fidelity Advisor Freedom 2020 Fund
Target Date 2021-2025	FITWX	Fidelity Advisor Freedom 2025 Fund
Target Date 2026-2030	FEFIX	Fidelity Advisor Freedom 2030 Fund
Target Date 2031-2035	FITHX	Fidelity Advisor Freedom 2035 Fund
Target Date 2036-2040	FIFFX	Fidelity Advisor Freedom 2040 Fund
Target Date 2041-2045	FFFIX	Fidelity Advisor Freedom 2045 Fund
Target Date 2050+	FFFPX	Fidelity Advisor Freedom 2050 Fund
unknown	unknown	Federated Capital Preservation Fund
ROOT	CASH	Federated Government Obligations Fund

Investment model portfolios

We provide two types of investment model portfolios for FIRST MERCHANTS CORPORATION RETIREMENT INCOME AND SAVINGS 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.

The return data shown below all delayed by 3 months. Their latest dates are all the same: 10/31/2024.
AR inception is since 12/31/2000.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
First Merchants Corporation Retirement Income and Savings Plan Tactical Asset Allocation Moderate	NA	24.07%	-0.72%	4.45%	3.64%	4.31%	5.08%	6.28%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	8.70%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	5.79%

	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 (%)	First Merchan... Moderate	-1.30	24.07	-0.72	4.45	3.64	4.31	5.08	6.28	NA	3.62	10.82	-19.05	9.06	15.86	14.94	-4.35	4.64	3.37	-2.86	4.36	9.31	-2.48	0.92	11.59	15.99	-3.70	7.40	19.85	2.45	12.43	22.41	5.70	6.99	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)	-1.79	37.82	8.86	15.20	12.89	14.04	10.46	8.70	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)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	5.79	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	First Merchan... Moderate	NA	-0.32	-0.46	0.06	0.15	NA	NA	0.54	-0.06	-0.32	0.60	-1.29	0.93	1.80	2.75	-0.77	0.73	0.63	-0.43	0.79	1.27	-0.32	0.09	0.98	1.43	-0.73	0.51	2.23	0.04	1.54	3.57	0.83	0.73	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	0.01	0.19	0.67	0.54	NA	NA	0.44	-1.15	1.44	1.69	-0.81	2.17	0.53	2.40	-0.34	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.15	1.24	0.25	0.88	1.63	-0.90	-0.68	-0.59	0.98	1.24	1.62	1.63	4.33	-0.18	0.91	0.58	1.92	-0.53	1.73	0.60	0.00	0.31	1.49	-0.24	0.80	0.65	-1.27	1.19	-3.84
	VSMGX (VANGUA...R SHARES)	NA	0.06	0.01	0.45	0.36	NA	NA	0.48	-0.70	0.48	1.37	-1.22	1.32	0.70	2.78	-0.86	3.76	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.41	1.36	0.50	1.49	2.09	-0.75	-0.58	-0.23	1.08	1.57	1.57	0.93	4.20	4.63	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	First Merchan... Moderate	NA	9.22	12.29	11.19	8.96	NA	NA	8.38	8.63	9.28	10.91	15.80	9.70	8.67	4.92	7.37	5.48	5.00	6.66	5.51	7.30	7.91	9.89	11.78	11.08	6.31	8.65	7.43	6.67	7.44	6.09	5.53	6.37	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	18.94	18.53	17.95	18.39	NA	NA	18.11	28.46	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	10.27	10.85	10.40	10.38	NA	NA	11.50	14.58	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(%)	First Merchan... Moderate	NA	7.95	22.24	24.70	24.70	NA	NA	24.70	1.04	7.95	12.45	24.50	5.52	10.31	2.08	9.93	6.88	3.82	8.14	4.22	7.18	11.85	10.32	8.96	6.09	10.18	5.78	6.06	4.70	6.82	5.55	4.30	6.07	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	19.24	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	15.22	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(%)	First Merchan... Moderate	NA	4.30	4.99	5.32	4.73	NA	NA	4.81	NA	0.89	4.13	6.28	2.87	6.71	5.94	4.29	0.42	2.25	8.23	5.25	3.36	4.47	3.77	4.98	5.20	4.09	5.63	8.80	2.90	3.23	4.88	4.78	7.34	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

Retirement Plan (401(k)) Info for FIRST MERCHANTS CORPORATION RETIREMENT INCOME AND SAVINGS PLAN

FIRST MERCHANTS CORPORATION RETIREMENT INCOME AND SAVINGS PLAN

Click here for more plan details and features ►