U.S. BANK 401(k) SAVINGS PLAN Investment Model Portfolios

The symbol of the complany is USB.

Investment options of U.S. BANK 401(k) SAVINGS PLAN

Total Available Funds: 25

Asset Class

Ticker

Description

Others
ROOT	CASH	First American Funds, Inc. Prime Obligations Fund
Moderate Allocation	FSKYX	First American Strategy Funds, Inc. Strategy Balanced Allocation Fund
Moderate Allocation	FSGYX	First American Strategy Funds, Inc. Strategy Growth Allocation Fund
Conservative Allocation	FSFYX	First American Strategy Funds, Inc. Strategy Conservative Allocation Fund
Retirement Income	TRRIX	T. Rowe Price Retirement Funds, Inc. Retirement Income Fund
Target Date 2000-2010	TRRAX	T. Rowe Price Retirement Funds, Inc. Retirement 2010 Fund
Target Date 2016-2020	TRRBX	T. Rowe Price Retirement Funds, Inc. Retirement 2020 Fund
Target Date 2026-2030	TRRCX	T. Rowe Price Retirement Funds, Inc. Retirement 2030 Fund
Target Date 2036-2040	TRRDX	T. Rowe Price Retirement Funds, Inc. Retirement 2040 Fund
Target Date 2050+	TRRMX	T. Rowe Price Retirement Funds, Inc. Retirement 2050 Fund

FIXED INCOME
Intermediate Government	FYGYX	First American Investment Funds, Inc Intermediate Government Bond Fund
Intermediate-Term Bond	PTTRX	PIMCO Funds Total Return Fund

US EQUITY
LARGE GROWTH	FIGWX	First American Investment Funds, Inc Large Cap Growth Opportunity Fund
LARGE VALUE	FSKIX	First American Investment Funds, Inc Large Cap Value Fund
Mid-Cap Growth	FMECX	First American Investment Funds, Inc Mid Cap Growth Opportunity Fund
MID-CAP VALUE	FSEIX	First American Investment Funds, Inc Mid Cap Value Fund
Small Growth	FIMPX	First American Investment Funds, Inc Small Cap Growth Opportunity Fund
Small Growth	ARSTX	First American Investment Funds, Inc Small Cap Select Fund
SMALL BLEND	FSCCX	First American Investment Funds, Inc Small Cap Value Fund
LARGE BLEND	FSASX	First American Strategy Funds, Inc. Strategy Aggressive Growth Allocation Fund
LARGE VALUE	HWLAX	Hotchkis and Wiley Funds Large Cap Value Fund
LARGE GROWTH	TGCEX	TCW Funds, Inc. Select Equities Fund
SMALL BLEND	STSVX	The Dreyfus Corporation The Boston Co. Small Cap Value Fund
LARGE BLEND	VINIX	Vanguard Institutional Index Fund
Small Growth	WBSIX	William Blair Funds Small Cap Growth Fund

Investment model portfolios

We provide two types of investment model portfolios for U.S. BANK 401(k) 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.

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
U.S. BANK 401(k) SAVINGS PLAN Tactical Asset Allocation Moderate	NA	-8.05%	10.01%	8.73%	8.52%	8.92%	8.51%	8.42%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	-11.38%	12.65%	11.76%	12.96%	8.89%	9.86%	7.52%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	-14.27%	4.26%	4.47%	5.86%	4.58%	6.36%	5.23%

	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 (%)	U.S. BANK 401... Moderate	-2.47	-8.05	10.01	8.73	8.52	8.92	8.51	8.42	NA	NA	NA	-9.91	9.78	28.07	18.59	-3.16	9.33	3.99	2.44	4.46	24.05	10.41	-0.62	18.38	14.63	3.87	10.12	5.38	1.74	13.38	17.01	-6.55	8.65	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)	-4.45	-11.38	12.65	11.76	12.96	8.89	9.86	7.52	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)	-2.38	-14.27	4.26	4.47	5.86	4.58	6.36	5.23	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	U.S. BANK 401... Moderate	NA	-0.91	0.57	0.55	0.69	NA	NA	0.68	NA	NA	NA	-0.81	0.76	1.38	2.18	-0.40	1.34	0.36	0.25	0.51	2.94	1.29	-0.04	1.67	1.46	0.54	0.74	0.24	-0.05	1.35	1.64	-1.03	1.17	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	0.56	0.65	0.76	0.62	NA	NA	0.45	0.07	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	0.70	0.44	0.53	0.46	NA	NA	0.50	0.67	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(%)	U.S. BANK 401... Moderate	NA	13.25	15.62	13.60	11.45	NA	NA	10.46	NA	NA	NA	13.44	12.78	20.22	7.87	11.31	6.48	10.47	9.64	8.78	8.16	8.06	16.41	10.96	9.92	5.50	9.57	8.69	8.05	9.20	9.95	7.42	5.43	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	19.71	17.80	17.79	18.48	NA	NA	18.11	26.03	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	10.41	10.49	10.27	10.41	NA	NA	11.49	13.21	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(%)	U.S. BANK 401... Moderate	NA	15.74	21.64	21.64	21.64	NA	NA	21.64	NA	NA	NA	13.96	5.89	21.64	4.09	15.31	3.39	10.61	8.49	7.10	4.31	6.51	14.33	9.29	5.26	4.53	5.74	9.28	5.42	7.74	7.51	10.01	4.10	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(%)	U.S. BANK 401... Moderate	NA	4.83	5.17	6.75	6.29	NA	NA	0.00	NA	NA	NA	0.44	5.64	10.03	3.07	5.27	13.02	2.76	10.22	2.87	12.96	3.11	1.67	3.46	2.59	3.03	8.40	7.20	5.07	10.22	2.82	3.55	8.82	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 08/31/2022, AR inception is 12/31/2000

Retirement Plan (401(k)) Info for U.S. BANK 401(k) SAVINGS PLAN

U.S. BANK 401(K) SAVINGS PLAN

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