THE CAPE COD FIVE CENTS SAVINGS BANK 401K PLAN Investment Model Portfolios

Investment options of THE CAPE COD FIVE CENTS SAVINGS BANK 401K PLAN

Total Available Funds: 17

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	IHOTX	HTFD INTL OPPS R5
Foreign Large Growth	TIVRX	THORNBURG INT VAL R5

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIM TOTAL RT INST

US EQUITY
Small Growth	PSCZX	PRU/J SMALL CO Z
LARGE BLEND	FUSEX	Fidelity Concord Street Trust: Spartan 500 Index Fund; Investor Class Shares
Mid-Cap Growth	ACRNX	Columbia Acorn Trust: Columbia Acorn Fund; Class Z Shares
SMALL BLEND	RYTRX	ROYCE TOTAL RET INV
MID-CAP VALUE	JMVAX	PERKINS MID CP VAL I
LARGE BLEND	FUSVX	SPTN 500 INDEX ADV
LARGE GROWTH	MLAIX	MAINSTAY LG CAP GR I
MID-CAP VALUE	JVMIX	JH DSCPL VAL MDCP I
LARGE VALUE	EILVX	Eaton Vance Special Investment Trust: Eaton Vance Large-Cap Value Fund; Class I Shares
Small Growth	PGOAX	Prudential Jennison Small Company Fund

Others
Target Date 2011-2015	FFVIX	FA FREEDOM 2015 I
Target Date 2021-2025	FITWX	FA FREEDOM 2025 I
ROOT	-	FA STABLE VALUE
Target Date 2016-2020	FDIFX	FA FREEDOM 2020 I

Investment model portfolios

We provide two types of investment model portfolios for THE CAPE COD FIVE CENTS SAVINGS BANK 401K 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 THE CAPE COD FIVE CENTS SAVINGS BANK 401K PLAN

THE CAPE COD FIVE CENTS SAVINGS BANK 401(K) PLAN

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