Investment options of FIRSTBANK 401(K) SAVINGS PLAN & TRUST
Total Available Funds: 47
| Investment Description |
|---|
| FB Financial Corporation FB Financial Corporation common stock |
| Allspring Special Mid Cap Value R6 |
| American Funds 2010 Trgt Date Retire R6 |
| American Funds 2015 Trgt Date Retire R6 |
| American Funds 2020 Trgt Date Retire R6 |
| American Funds 2025 Trgt Date Retire R6 |
| American Funds 2030 Trgt Date Retire R6 |
| American Funds 2035 Trgt Date Retire R6 |
| American Funds 2040 Trgt Date Retire R6 |
| American Funds 2045 Trgt Date Retire R6 |
| American Funds 2050 Trgt Date Retire R6 |
| American Funds 2055 Trgt Date Retire R6 |
| American Funds 2060 Trgt Date Retire R6 |
| American Funds Balanced R6 |
| American Funds New Perspective R6 |
| Putnam Large Cap Value R6 |
| Delaware Funds Delaware Small Cap Val Instl |
| Harbor Harbor Small Cap Growth Retirement |
| Ivy Delaware Ivy Mid Cap Growth R6 |
| JPMorgan Large Cap Growth R6 |
| Lord Abbett High Yield R6 |
| Schwab Schwab Small Cap Index |
| Transamerica International Equity R6 |
| Vanguard 500 Index Adm |
| Vanguard LifeStrategy Conservative Growth |
| Vanguard LifeStrategy Growth |
| Vanguard LifeStrategy Income |
| Vanguard LifeStrategy Moderate Growth |
| Vanguard Mid Cap Index Adm |
| Vanguard Short Term Investment Grade Adm |
| American Funds 2015 Trgt Dt Ret R6 |
| American Funds 2020 Trgt Dt Ret R6 |
| American Funds 2025 Trgt Dt Ret R6 |
| American Funds 2030 Trgt Dt Ret R6 |
| American Funds 2035 Trgt Dt Ret R6 |
| American Funds 2040 Trgt Dt Ret R6 |
| American Funds 2045 Trgt Dt Ret R6 |
| American Funds 2050 Trgt Dt Ret R6 |
| American Funds 2055 Trgt Dt Ret R6 |
| American Funds 2060 Trgt Dt Ret R6 |
| American Funds American Balanced R6 |
| Harbor Harbor Small Cap Gr Retrmnt |
| JPMorgan Lg Cap Gr R6 |
| Putnam Lg Cap Val R6 |
| Vanguard LifeStrategy Consv Gr |
| Vanguard LifeStrategy Inc |
| Vanguard Short Term Inv Grade Adm |
Investment model portfolios
We provide two types of investment model portfolios for FIRSTBANK 401(K) SAVINGS PLAN & TRUST 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.
Retirement Plan (401(k)) Info for FIRSTBANK 401(K) SAVINGS PLAN & TRUST