THE CITIZENS BANK PROFIT SHARING AND SAVINGS PLAN AND TRUST Investment Options
Basic steps for THE CITIZENS BANK PROFIT SHARING AND SAVINGS PLAN AND TRUST investments
- Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
- Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
- Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
- Review Investment Options: Evaluate the investment options available within THE CITIZENS BANK PROFIT SHARING AND SAVINGS PLAN AND TRUST (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
- Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
- Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
- Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.
By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.
Investment Options
THE CITIZENS BANK PROFIT SHARING AND SAVINGS PLAN AND TRUST provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 40
| Investment Description |
|---|
| FIDELITY GOVERNMENT MONEY MARKET |
| FIDELITY BROKERAGE LINK CASH RESERVES |
| FIDELITY TOTAL BOND FUND |
| FIDELITY 500 INDEX FUND |
| FIDELTY BALANCED FUND |
| FIDELTY CONTRAFUND |
| FIDELTY EXTENDED MARKET INDEX FUND |
| FIDELTY FREEDOM 2005 FUND |
| FIDELTY FREEDOM 2010 FUND |
| FIDELTY FREEDOM 2015 FUND |
| FIDELTY FREEDOM 2020 FUND |
| FIDELTY FREEDOM 2025 FUND |
| FIDELTY FREEDOM 2030 FUND |
| FIDELTY FREEDOM 2035 FUND |
| FIDELTY FREEDOM 2040 FUND |
| FIDELTY FREEDOM 2045 FUND |
| FIDELTY FREEDOM 2050 FUND |
| FIDELTY FREEDOM 2055 FUND |
| FIDELTY FREEDOM 2060 FUND |
| FIDELTY FREEDOM 2065 FUND |
| FIDELITY GLOBAL EXCHANGE US INDEX FUND |
| FIDELITY SMALL CAP INDEX FUND |
| PIMCO INCOME FUND ADMINISTRATIVE CLASS |
| PIONEER SELECT MID-CAP GROWTH FUND Y |
| VANGUARD WINDSOR II ADMIRAL |
| FIDELITY MANAGED INCOME PORTFOLIO CLASS I |
| WILMINGTON TRUST LARGE CAP GROWTH III I2 |
| WILMINGTON TRUST INTERNATIONAL GROWTH FUND II FEE CLASS I1 |
| WILMINGTON TRUST SMALL CAP VALUE FUND II FEE CLASS I1 |
| WILMINGTON TRUST INTERNATIONAL STOCK FUND CLASS I1 |
| CITIZENS HOLDING COMPANY COMMON STOCK |
| CISCO SYSTEMS, INC. COMMON STOCK |
| JACK HENRY & ASSOCIATES COMMON STOCK |
| AVAYA HOLDINGS CORP COMMON STOCK |
| MARVELL TECHNOLOGY GROUP COMMON STOCK |
| FIDELITY NATIONAL INFORMATION SERVICES COMMON STOCK |
| MICRON TECHNOLOGY INC COMMON STOCK |
| SENTINELONE INC CLASS A COMMON STOCK |
| TESLA MOTORS INC COMMON STOCK |
| TRUSTMARK CORPORATION COMMON STOCK |
How to invest
Key principles in retirement investing:
- Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
- Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
- Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.
See Four-Step Guide for 401(k) Retirement Investing.
Basic asset allocation templates
The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 3.75% | 7.65% | 9.90% | 7.05% | 6.57% | 7.45% | 6.72% | 6.55% |
| Five Core Asset Portfolio | 3.50% | 7.52% | 9.67% | 6.92% | 6.51% | 7.34% | 6.79% | 6.74% |
| Three Core Asset Portfolio | 3.76% | 7.66% | 10.73% | 7.60% | 6.95% | 7.75% | 6.87% | 6.49% |
| Two Core Asset Portfolio | 1.74% | 7.29% | 11.67% | 8.25% | 7.99% | 8.97% | 7.54% | 6.99% |
| Yale Endowment Template | 4.44% | 8.48% | 9.57% | 7.09% | 7.10% | 8.28% | 7.45% | 7.83% |
| S&P 500 Index | 2.30% | 10.62% | 19.27% | 15.64% | 12.92% | 13.85% | 10.30% | 8.58% |
Data as of 06/17/2025, AR inception is 12/31/2000
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