Umpqua Bank 401(k) and Profit Sharing Plan Investment Model Portfolios

Investment options of Umpqua Bank 401(k) and Profit Sharing Plan

Total Available Funds: 21

Asset Class

Ticker

Description

US EQUITY
Mid-Cap Growth	ACRNX	Columbia Acorn Z Fund
LARGE BLEND	NYVTX	Davis NY Venture A Fund
MID-CAP BLEND	PESPX	Dreyfus Mid Cap Index Fund
LARGE GROWTH	AGTHX	Growth Fund of Amer A Fund
LARGE VALUE	MEIJX	MFS Value Fund R5
MID-CAP VALUE	RMCVX	Riversource Mid Cap Value Fund
SMALL BLEND	RLPRX	Royce Low Priced Stock Fund
Mid-Cap Growth	RRMGX	T Rowe Price Mid Cap Growth Fund
LARGE BLEND	VFINX	Vanguard 500 Index Fund
LARGE VALUE	FEQIX	VKM Equity Income Fund
LARGE GROWTH	SWLSX	Charles Schwab US Large Cap ETF
US EQUITY	SCHW	Charles Schwab Value Adv

INTERNATIONAL EQUITY
Foreign Large Value	DFIPX	Dimensional International Value Portfolio
Foreign Large Blend	RERFX	American Funds Europacific Growth Fund

FIXED INCOME
Intermediate-Term Bond	PTTRX	Pacific Investment Management Company Total Return Fund

Others
Moderate Allocation	VBINX	Vanguard Balanced Index Fund
ROOT	CASH	Vanguard Money Mkt Prime Fund
ROOT	CASH	SSGA Inst Gov Money Mkt Fund
ROOT	CASH	Charles Schwab Money Mkt Fund
Natural Resources	PSPFX	U.S. Global Investors Global Resources Fund

Emerging Market
DIVERSIFIED EMERGING MKTS	AEMGX	Acadian Emerging Mkts Fund

Investment model portfolios

We provide two types of investment model portfolios for Umpqua Bank 401(k) and Profit Sharing 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 Umpqua Bank 401(k) and Profit Sharing Plan

UMPQUA BANK 401(K) AND PROFIT SHARING PLAN

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