Pinnacle Financial Partners, Inc. 401(k) Plan Investment Model Portfolios

Investment options of Pinnacle Financial Partners, Inc. 401(k) Plan

Total Available Funds: 23

Asset Class

Ticker

Description

US EQUITY
SMALL BLEND	SMERX	AIM Small Cap Equity Fund R
LARGE BLEND	ANCFX	American Funds Fundamental Investors R3
LARGE GROWTH	RGACX	American Funds Growth Fund of Amer R3
LARGE BLEND	FMXKX	Federated Max-Cap Index K
LARGE GROWTH	JDCRX	Janus Forty Fund R
MID-CAP VALUE	GETGX	Victory Established Value Fund R

Others
Target Date 2000-2010	REATX	American Funds 2010 Target Date Fund R3
Target Date 2011-2015	REJTX	American Funds 2015 Target Date Fund R3
Target Date 2016-2020	RECTX	American Funds 2020 Target Date Fund R3
Target Date 2021-2025	REDTX	American Funds 2025 Target Date Fund R3
Target Date 2026-2030	REETX	American Funds 2030 Target Date Fund R3
Target Date 2031-2035	REFTX	American Funds 2035 Target Date Fund R3
Target Date 2036-2040	REGTX	American Funds 2040 Target Date Fund R3
Target Date 2041-2045	REHTX	American Funds 2045 Target Date Fund R3
Target Date 2050+	REITX	American Funds 2050 Target Date Fund R3
World Allocation	RIRCX	Amercian Funds Capital Income Builder R3
ROOT	CASH	American Funds Money Mkt Fund R3
Conservative Allocation	FISRX	Franklin Income Fund R

FIXED INCOME
WORLD BOND	RCWCX	American Funds Capital World Bond Fund R3
High Yield Bond	RITCX	American Funds High Income Tr R3
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Fund R

INTERNATIONAL EQUITY
WORLD STOCK	RWICX	American Funds Capital World G/I R3
Foreign Large Blend	RERCX	American Funds Europacific Growth Fund R3

Investment model portfolios

We provide two types of investment model portfolios for Pinnacle Financial Partners, Inc. 401(k) 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
Pinnacle Financial Partners, Inc. 401(k) Plan Tactical Asset Allocation Moderate	NA	1.72%	1.90%	2.31%	2.45%	4.79%	5.53%	5.81%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	9.98%	9.75%	10.95%	11.06%	12.38%	9.19%	7.54%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	6.25%	1.68%	4.40%	4.69%	6.67%	5.54%	5.08%

	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 (%)	Pinnacle Fina... Moderate	-0.61	1.72	1.90	2.31	2.45	4.79	5.53	5.81	NA	1.68	13.36	-12.29	4.47	14.05	10.06	-5.71	8.72	2.87	-3.64	2.07	13.88	8.06	0.15	9.61	20.27	-4.76	13.01	12.26	5.69	7.63	16.63	0.89	6.54	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)	-1.25	9.98	9.75	10.95	11.06	12.38	9.19	7.54	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)	-0.67	6.25	1.68	4.40	4.69	6.67	5.54	5.08	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	Pinnacle Fina... Moderate	NA	0.90	-0.01	0.50	0.33	NA	NA	0.73	NA	0.18	1.19	-1.50	0.49	1.52	2.20	-0.79	1.68	0.56	-0.59	0.33	2.12	1.91	0.02	1.06	2.58	-1.77	1.00	1.44	0.67	0.95	2.96	-0.04	1.16	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	0.48	0.82	0.81	0.63	NA	NA	0.45	0.24	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	0.81	0.71	0.60	0.49	NA	NA	0.51	1.01	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(%)	Pinnacle Fina... Moderate	NA	7.60	8.52	8.07	7.23	NA	NA	6.82	NA	7.95	7.63	9.14	9.02	9.08	3.94	8.90	4.82	4.78	6.18	6.16	6.55	4.19	7.04	8.99	7.81	3.22	10.06	6.24	5.29	7.04	5.38	4.85	3.66	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	19.81	17.26	17.48	18.49	NA	NA	18.10	24.61	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	10.42	NA	NA	11.48	12.49	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(%)	Pinnacle Fina... Moderate	NA	6.50	16.26	16.26	16.26	NA	NA	16.26	NA	1.59	6.50	13.23	5.86	10.23	1.70	11.74	3.91	3.40	7.86	5.17	4.77	4.05	7.92	7.59	4.12	7.84	6.70	6.22	4.57	6.36	4.36	5.73	2.77	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(%)	Pinnacle Fina... Moderate	NA	5.42	3.89	4.35	3.86	NA	NA	3.80	NA	0.01	5.72	2.58	3.48	4.33	5.88	3.17	0.60	2.33	5.40	5.42	3.09	4.19	1.85	3.15	3.69	1.59	5.75	5.46	4.97	2.82	3.49	1.72	6.65	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 10/31/2023, AR inception is 12/31/2000

Retirement Plan (401(k)) Info for Pinnacle Financial Partners, Inc. 401(k) Plan

PINNACLE FINANCIAL PARTNERS, INC. 401(K) PLAN

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