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MyPlanIQ 401k Investor STERLING BANCORP/STERLING NATIONAL BANK 401(k) PLAN

STERLING BANCORP/STERLING NATIONAL BANK 401(k) PLAN

This Plan is unrated.
Investment Options
Total Available Funds: 37
Asset Class Ticker Description Rating
Others
Target Date 2050+ PPLIX Prin Mgmt Corp/Prin Global Inv. Principal Lifetm 2050 Sep Acct
Target Date 2036-2040 PTDIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2040 Sep Acct.
Target Date 2026-2030 PMTIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2030 Sep Acct.
INTERNATIONAL EQUITY
Foreign Small/Mid Value DISVX DFA/Vaughan Nelson/LA Capital Small Cap Value II Sep. Acct
Foreign Small/Mid Value DISVX Principal Global Investors/Dfa Intl Small Cap Sep Acct
Foreign Large Blend RERFX Am Fds Europacific Grth R3 Fd
US EQUITY
MID-CAP BLEND PCBIX Principal Global Investors Mid Cap Blend Sep Acct
LARGE BLEND RELSX Russell Investment Group Russ Life Eq Growth St Sep Acct
LARGE BLEND NBSTX Neub Berm Soc Resp Tr Fund
Total Available Funds: 37
Asset Class Ticker Description Rating
Others
Target Date 2050+ PPLIX Prin Mgmt Corp/Prin Global Inv. Principal Lifetm 2050 Sep Acct
Target Date 2036-2040 PTDIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2040 Sep Acct.
Target Date 2026-2030 PMTIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2030 Sep Acct.
Target Date 2016-2020 PLWIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2020 Sep Acct.
Moderate Allocation RALSX Russell Investment Group Russ Life Grw Str Sep Acct
Conservative Allocation RMLSX Russell Investment Group Russ Life Mod Str Sep Acct
Retirement Income PLSIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm Str Inc. Sep. Acct
Moderate Allocation RBLSX Russell Investment Group Russ Life Bal Str Sep Acct
Technology FATEX Fidelity Adv. Technology T. Fund
Utilities MMUFX MFS Utilities A Fund
Conservative Allocation RCLEX Russell Investment Group Russ Life Con Str Sep Acct
Target Date 2000-2010 PTTIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2010 Sep Acct.
ROOT CASH Principal Global Investors Money Mkt Sep Acct
INTERNATIONAL EQUITY
Foreign Small/Mid Value DISVX DFA/Vaughan Nelson/LA Capital Small Cap Value II Sep. Acct
Foreign Small/Mid Value DISVX Principal Global Investors/Dfa Intl Small Cap Sep Acct
Foreign Large Blend RERFX Am Fds Europacific Grth R3 Fd
Foreign Large Blend PIIIX Principal Global Investors Diversified Intl Sep Acct
US EQUITY
MID-CAP BLEND PCBIX Principal Global Investors Mid Cap Blend Sep Acct
LARGE BLEND RELSX Russell Investment Group Russ Life Eq Growth St Sep Acct
LARGE BLEND NBSTX Neub Berm Soc Resp Tr Fund
LARGE BLEND PLFIX Principal Global Investors Lg Cap S P 500 Index Sep Acct
LARGE GROWTH RGAFX Am Fds Grth Fd of Am R3 Fd
SMALL BLEND PSLIX Principal Global Investors Small Cap Blend Sep Acct
LARGE BLEND PLFPX Principal Global Investors/DFA Principal Financial Grp In Stk Sep Acct
Mid-Cap Growth ATHAX Am Cent Heritage A Fund
LARGE GROWTH ABPRX AllianceBernstein/Westwood Large Cap Value III Sep Acct
SMALL VALUE ACSCX Am Cent Sm Cap Val Adv Fund
LARGE BLEND AFDAX Am Funds Fdmntl Inv. R3 Fund
SMALL BLEND FSCTX Fidelity Adv Small Cap T Fund
Small Growth QUARX AllianceBernstein/CCI Small Cap Growth I Sep Acct
Mid-Cap Growth TMGEX Turner/Mellon/Jacobs Levy Mid Cap Growth III Sep Acct
Small Growth MBRSX Emerald/Essex Small Cap Growth II Sep Acct
Mid-Cap Growth BCMSX Goldman Sachs/LA Capital Mgmt Mid Cap Value I Sep Acct
Mid-Cap Growth TWVAX Am Cent Vista Advisor Fund
REAL ESTATE
REAL ESTATE PIREX Principal Real Estate Inv. U.S. Property Sep Acct 748.7823
FIXED INCOME
Intermediate-Term Bond PMSIX Principal Global Investors Bond & Mtg Sep Acct 460.5150
Multisector Bond FSIAX Fidelity Advisor Govt Income T Fund
Total Available Funds: 37
  • R*: Redemption (Minimum months to hold).
  • RT: Round Trip (number of times allowed to buy/sell in trailing 12 months).
  • WP: Waiting Period (minimum months to wait before buy again).
  • M*:Mark (p: proxy, n: not used).
Asset Class Ticker Description Rating R* RT WP Expense Yield
Others
Target Date 2050+ PPLIX Prin Mgmt Corp/Prin Global Inv. Principal Lifetm 2050 Sep Acct 100% 3 60 0 1.04% 10.19%
Target Date 2036-2040 PTDIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2040 Sep Acct. 94% 3 60 0 1% 9.91%
Target Date 2026-2030 PMTIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2030 Sep Acct. 93% 3 60 0 1.45% 9.67%
Target Date 2016-2020 PLWIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2020 Sep Acct. 90% 3 60 0 0.91% 9.88%
Moderate Allocation RALSX Russell Investment Group Russ Life Grw Str Sep Acct 88% 3 60 0 1.16% 11.1%
Conservative Allocation RMLSX Russell Investment Group Russ Life Mod Str Sep Acct 87% 3 60 0 1% 2.7%
Retirement Income PLSIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm Str Inc. Sep. Acct 84% 3 60 0 1.4% 5.87%
Moderate Allocation RBLSX Russell Investment Group Russ Life Bal Str Sep Acct 78% 3 60 0 0.86% 6.75%
Technology FATEX Fidelity Adv. Technology T. Fund 72% 3 60 0 1.21% 20.22%
Utilities MMUFX MFS Utilities A Fund 46% 3 60 0 1% 4%
Conservative Allocation RCLEX Russell Investment Group Russ Life Con Str Sep Acct 0% 3 60 0 1.06% 3%
Target Date 2000-2010 PTTIX Prin Mgmt Corp/Prin Global Inv Principal Lifetm 2010 Sep Acct. 0% 3 60 0 0.72% 7.1%
ROOT CASH Principal Global Investors Money Mkt Sep Acct 0% 1 60 0 NA 2.53%
INTERNATIONAL EQUITY
Foreign Small/Mid Value DISVX DFA/Vaughan Nelson/LA Capital Small Cap Value II Sep. Acct 100% 3 60 0 0.43% 8.32%
Foreign Small/Mid Value DISVX Principal Global Investors/Dfa Intl Small Cap Sep Acct 100% 3 60 0 0.43% 8.32%
Foreign Large Blend RERFX Am Fds Europacific Grth R3 Fd 94% 3 60 0 0.84% 14.02%
Foreign Large Blend PIIIX Principal Global Investors Diversified Intl Sep Acct 89% 3 60 0 0.78% 2.84%
US EQUITY
MID-CAP BLEND PCBIX Principal Global Investors Mid Cap Blend Sep Acct 90% 3 60 0 0.94% 5.45%
LARGE BLEND RELSX Russell Investment Group Russ Life Eq Growth St Sep Acct 83% 3 60 0 0.97% 10.04%
LARGE BLEND NBSTX Neub Berm Soc Resp Tr Fund 80% 3 60 0 1.3% 2.65%
LARGE BLEND PLFIX Principal Global Investors Lg Cap S P 500 Index Sep Acct 76% 3 60 0 0.52% 3.34%
LARGE GROWTH RGAFX Am Fds Grth Fd of Am R3 Fd 75% 3 60 0 0.63% 11.46%
SMALL BLEND PSLIX Principal Global Investors Small Cap Blend Sep Acct 74% 3 60 0 1.19% 5.9%
LARGE BLEND PLFPX Principal Global Investors/DFA Principal Financial Grp In Stk Sep Acct 71% 3 60 0 0.52% 3%
Mid-Cap Growth ATHAX Am Cent Heritage A Fund 64% 3 60 0 0.01% 22.79%
LARGE GROWTH ABPRX AllianceBernstein/Westwood Large Cap Value III Sep Acct 59% 3 60 0 0.95% 107.86%
SMALL VALUE ACSCX Am Cent Sm Cap Val Adv Fund 58% 3 60 0 0.74% 13.08%
LARGE BLEND AFDAX Am Funds Fdmntl Inv. R3 Fund 51% 3 60 0 1.79% 21.24%
SMALL BLEND FSCTX Fidelity Adv Small Cap T Fund 50% 3 60 0 2.15% 2.57%
Small Growth QUARX AllianceBernstein/CCI Small Cap Growth I Sep Acct 48% 3 60 0 1.03% 98.92%
Mid-Cap Growth TMGEX Turner/Mellon/Jacobs Levy Mid Cap Growth III Sep Acct 0% 3 60 0 0.93% 0%
Small Growth MBRSX Emerald/Essex Small Cap Growth II Sep Acct 0% 3 60 0 1.46% 52.72%
Mid-Cap Growth BCMSX Goldman Sachs/LA Capital Mgmt Mid Cap Value I Sep Acct 0% 3 60 0 1.15% 112.56%
Mid-Cap Growth TWVAX Am Cent Vista Advisor Fund 0% 3 60 0 1.28% 0%
REAL ESTATE
REAL ESTATE PIREX Principal Real Estate Inv. U.S. Property Sep Acct 748.7823 81% 3 60 0 1.99% 2.53%
FIXED INCOME
Intermediate-Term Bond PMSIX Principal Global Investors Bond & Mtg Sep Acct 460.5150 74% 3 60 0 0.88% 4.43%
Multisector Bond FSIAX Fidelity Advisor Govt Income T Fund 68% 3 60 0 0.97% 4.22%
Average Expense Ratio: 1.04%
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Model Portfolios

Strategic Asset Allocation - Optimal: Click here to see this strategy description
Optimal Weight & Regular Rebalance YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
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Tactical Asset Allocation: Click here to see this strategy description
Dynamic Asset Switching YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click to Create Model Portfolio

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Asset Allocation Composite: Click here to see this strategy description
Strategic Asset Allocation with Dynamic Risk Adjustment YTD**
Return		 1Yr
AR*		 3Yr
AR*		 5Yr
AR*		 10Yr
AR*		 15Yr
AR*
Click to Create Model Portfolio

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*     AR: Annualized Return
**   YTD: Year to Date (not annualized)
*** The above portfolios are of moderate risk, which means that more than 40% of assets are in fixed income funds.


Description(Ticker:STL)
The plan consists of 11 funds. It covers 3 major asset classes and 9 minor asset classes. The major asset classes it covers are US Equity, Fixed Income and Foreign Equity.
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