MPB Corporation Employees’ Savings Plan
Investment Model Portfolios
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Investment options of MPB Corporation Employees’ Savings Plan
Total Available Funds: 30
| Asset Class |
Ticker
| Description |
| US EQUITY |
|
|
| LARGE GROWTH |
FCNTX |
Fidelity Investments Fidelity Contrafund |
| LARGE GROWTH |
FDGRX |
Fidelity Investments Fidelity Growth Company Fund |
| LARGE GROWTH |
RGAFX |
American Funds American Funds The Growth Fund of Amer Class R5 |
| LARGE VALUE |
PRFDX |
T. Rowe Price T. Rowe Price Equity Income Fund |
| SMALL BLEND |
LSSCX |
Loomis Sayles Loomis Sayles Small Cap Value Fund Institutional Class |
| LARGE BLEND |
FSMKX |
Fidelity Investments Spartan 500 Index Fund Investor Class |
| MID-CAP BLEND |
FSEMX |
Fidelity Investments Spartan Extended Mkt Index Fund Investor Class |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
FIGRX |
Fidelity Investments Fidelity International Discovery Fund |
| WORLD STOCK |
RNPFX |
American Funds American Funds New Perspective Fund Class R5 |
| Foreign Large Blend |
FSIIX |
Fidelity Investments Spartan International Index Fund Investor Class |
|
| Others |
|
|
| ROOT |
PIMC |
Pacific Investment Management Company Funds Distributors LLC Pacific Investment Management Company Total Return Fund Institutional Class |
| ROOT |
CASH |
Fidelity Investments Fidelity rtmt Money Mkt Portfolio |
| Moderate Allocation |
DODBX |
Dodge Cox Dodge Cox Balanced Fund |
| EQUITY |
HIG |
Hartford Investment Financial Services LLC The Hartford Small Company Fund Class Y |
| Target Date 2036-2040 |
FFFFX |
Fidelity Investments Fidelity Freedom Fund 2040 |
| Target Date 2021-2025 |
FFTWX |
Fidelity Investments Fidelity Freedom Fund 2025 |
| Target Date 2016-2020 |
FFFDX |
Fidelity Investments Fidelity Freedom Fund 2020 |
| Target Date 2026-2030 |
FFFEX |
Fidelity Investments Fidelity Freedom Fund 2030 |
| Target Date 2026-2030 |
FFFEX |
Fidelity Investments Fidelity Freedom Fund 2035 |
| Target Date 2011-2015 |
FFVFX |
Fidelity Investments Fidelity Freedom Fund 2015 |
| UNKOWN |
UNKNOWN |
Fidelity Investments Fidelity Managed Income Portfolio |
| Target Date 2041-2045 |
FFFGX |
Fidelity Investments Fidelity Freedom Fund 2045 |
| Target Date 2000-2010 |
FFFCX |
Fidelity Investments Fidelity Freedom Fund 2010 |
| Target Date 2050+ |
FFFHX |
Fidelity Investments Fidelity Freedom Fund 2050 |
| Moderate Allocation |
OAKBX |
Harris Associates L.P. Oakmark Equity & Income Fund Class I |
| Retirement Income |
FFFAX |
Fidelity Investments Fidelity Freedom Income Fund |
| Target Date 2000-2010 |
FFFVX |
Fidelity Investments Fidelity Freedom Fund 2005 |
| Target Date 2016-2020 |
FFFDX |
Fidelity Investments Fidelity Freedom Fund 2000 |
| UNKOWN |
unkown |
Fidelity Investments Cash Balance |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
VBMFX |
The Vanguard Group Vanguard Total Bond Mkt Index Fund Investor Shares |
|
Investment model portfolios
We provide two types of investment model portfolios for MPB Corporation Employees’ 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.
Retirement Plan (401(k)) Info for MPB Corporation Employees’ Savings Plan
