FIRST RELIANCE BANK EMPLOYEE STOCK OWNERSHIP PLAN Investment Model Portfolios

Investment options of FIRST RELIANCE BANK EMPLOYEE STOCK OWNERSHIP PLAN

Total Available Funds: 14

Asset Class

Ticker

Description

Others
unknown asset name	P_6203	SSgA Money Mkt Fund
unknown	unknown	SSgA S P Midcap Index SL Series Fund - Class A
unknown	unknown	SSgA S P Flagship SL Series Fund - Class A 569 shares
Moderate Allocation	SSLBX	SSgA Aggressive Strategic Balanced SL Fund
Moderate Allocation	SSLBX	SSgA Moderate Strategic Balanced SL Fund
Moderate Allocation	SSLBX	SSgA Conservative Strategic Balanced SL Fund
unknown	unknown	SSgA Daily EAFE Index SL Series Fund - Class T
ROOT	^NDX	SSgA NASDAQ 100 Index Non-Lending Fund Series A
unknown	unknown	SSgA Russell 2000 Index SL Series Fund - Class A

US EQUITY
LARGE BLEND	SVSPX	SSgA S P Growth Index SL Fund Series A
LARGE BLEND	SVSPX	SSgA S P Value Index SL Fund Series A
LARGE BLEND	SVSPX	SSgA Passive Bond Mkt Index SL Series Fund A

FIXED INCOME
Intermediate Government	LUTAX	SSgA Long US Treasury Index SL Series Fund Class A
Muni National Interm	NUV	SSgA Pentegra Stable Value Fund

Investment model portfolios

We provide two types of investment model portfolios for FIRST RELIANCE BANK EMPLOYEE STOCK OWNERSHIP 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

Retirement Plan (401(k)) Info for FIRST RELIANCE BANK EMPLOYEE STOCK OWNERSHIP PLAN

FIRST RELIANCE BANK EMPLOYEE STOCK OWNERSHIP PLAN

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