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NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan
Investment Model Portfolios

Investment options of NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan

Total Available Funds: 23
Asset Class Ticker Description
Others
ROOT CASH Schwab retirement advantage money fund Money market fund
Conservative Allocation CAPAX Federated Capital Preservation Fund
Moderate Allocation OAKBX Oakmark Equity Income Fund Equity mutual fund
Retirement Income TRRIX T-Rowe Price rtmt Income Fund Graduated retirement target mutual fund
Target Date 2000-2010 TRRAX T-Rowe Price rtmt 2010 Fund Graduated retirement target mutual fund
Target Date 2016-2020 TRRBX T-Rowe Price rtmt 2020 Fund Graduated retirement target mutual fund
Target Date 2026-2030 TRRCX T-Rowe Price rtmt 2030 Fund Graduated retirement target mutual fund
Target Date 2036-2040 TRRDX T-Rowe Price rtmt 2040 Fund Graduated retirement target mutual fund
Target Date 2050+ TRRMX T-Rowe Price rtmt 2050 Fund Graduated retirement target mutual fund
FIXED INCOME
Intermediate-Term Bond DODIX Dodge Cox Income Bond mutual fund
Intermediate Government VFITX Vanguard interm US Treasury Bond mutual fund
US EQUITY
LARGE GROWTH RGAFX American Funds Growth Fund of Amer Equity mutual fund
LARGE GROWTH VHCAX Vanguard Capital Opportunity Equity mutual fund
Mid-Cap Growth ACRNX Columbia Acorn Equity mutual fund
MID-CAP BLEND CRIMX CRM Mid Cap Value Fund Equity mutual fund
LARGE BLEND CPAIX Federated Capital app Fund Equity mutual fund
MID-CAP VALUE JMCVX Perkins Mid Cap Value Fund Equity mutual fund
Mid-Cap Growth RPMGX T-Rowe Price Mid Cap Growth Equity mutual fund
SMALL BLEND RLPIX Royce Low Price Stock Equity mutual fund
LARGE VALUE DODGX Dodge Cox Stock Fund Equity mutual fund
LARGE BLEND VFINX Vanguard 500 Index Fund Equity mutual fund
INTERNATIONAL EQUITY
Foreign Large Blend RERFX Europacific Growth Fund Equity mutual fund
WORLD STOCK RNPFX American Funds New Perspective Fund Foreign equity mutual fund

Investment model portfolios

We provide two types of investment model portfolios for NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

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.

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
NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan Tactical Asset Allocation Moderate NA 20.66% 2.15% 6.38% 5.03% 5.78% 7.11% 7.98%
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%
Data as of 10/31/2024, AR inception is 12/31/2000

Retirement Plan (401(k)) Info for NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan

Click here for more plan details and features ►