MIT SUPPLEMENTAL 401K PLAN
Investment Model Portfolios
Investment options of MIT SUPPLEMENTAL 401K PLAN
Total Available Funds: 44
| Asset Class |
Ticker
| Description |
| Others |
|
|
| Moderate Allocation |
VWENX |
VANG WELLINGTON ADM |
| Target Date 2026-2030 |
FFFEX |
Fidelity Aberdeen Street Trust: Fidelity Freedom 2030 Fund |
| EQUITY PRECIOUS METALS |
FSAGX |
FID SEL GOLD |
| Target Date 2036-2040 |
FFKFX |
Fidelity Aberdeen Street Trust: Fidelity Freedom K 2040 Fund |
| MISCELLANEOUS SECTOR |
FBSOX |
FID SEL IT SERVICES |
| Target Date 2046-2050 |
FFKHX |
FID FREEDOM K 2050 |
| Equity Energy |
FSENX |
FID SEL ENERGY |
| Health |
FSHCX |
FID SEL MEDICAL DEL |
| Communications |
FWRLX |
FID SEL WIRELESS |
| Financial |
FIDSX |
FID SEL FINANCIAL |
| Target Date 2016-2020 |
FFFDX |
Fidelity Aberdeen Street Trust: Fidelity Freedom 2020 Fund |
| Target Date 2036-2040 |
FFFFX |
Fidelity Aberdeen Street Trust: Fidelity Freedom 2040 Fund |
| ROOT |
FMPXX |
FID INST MMKT |
| Target Date 2021-2025 |
FFTWX |
Fidelity Aberdeen Street Trust: Fidelity Freedom 2025 Fund |
| ROOT |
- |
VANGUARD TARGET 2035 |
| Moderate Allocation |
FBAKX |
FID BALANCED K |
| Health |
FSMEX |
FID SEL MED EQ & SYS |
| Industrials |
FSDAX |
FID SEL DEFENSE |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
FDIVX |
Fidelity Investment Trust: Fidelity Diversified International Fund |
| JAPAN STOCK |
FJSCX |
FID JAPAN SMALL CO |
| Foreign Large Growth |
FICDX |
Fidelity Investment Trust: Fidelity Canada Fund; Canada Shares |
| Foreign Large Blend |
FSIVX |
SPTN INTL INDEX ADV |
| PACIFIC/ASIA EX-JAPAN STK |
FSEAX |
FID EMERGING ASIA |
| Foreign Large Blend |
FIGRX |
Fidelity Investment Trust: Fidelity International Discovery Fund |
|
| US EQUITY |
|
|
| LARGE BLEND |
FSTVX |
SPTN TOT MKT IDX ADV |
| MID-CAP BLEND |
FLPKX |
FID LOW PRICED STK K |
| LARGE BLEND |
FUSEX |
Fidelity Concord Street Trust: Spartan 500 Index Fund; Investor Class Shares |
| LARGE VALUE |
FETKX |
FID EQ DIV INCOME K |
| MID-CAP BLEND |
FLPSX |
Fidelity Puritan Trust: Fidelity Low-Priced Stock Fund |
| LARGE GROWTH |
FCNTX |
Fidelity Contrafund |
| LARGE GROWTH |
FBGRX |
Fidelity Securities Fund: Fidelity Blue Chip Growth Fund |
| LARGE BLEND |
VINIX |
VANGUARD INST INDEX |
| LARGE GROWTH |
FCNKX |
FID CONTRAFUND K |
| LARGE GROWTH |
STRFX |
WFA LG CAP GRTH INV |
| LARGE GROWTH |
VIGSX |
VANG GROWTH IDX SIG |
| MID-CAP BLEND |
FSEMX |
Fidelity Concord Street Trust: Spartan Extended Market Index Fund; Investor Class Shares |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
PTRAX |
PIMCO Funds: Total Return Fund; Administrative Class Shares |
| Inflation-Protected Bond |
VIPIX |
VANG INFL PROT INST |
| Intermediate Government |
FGMNX |
Fidelity Income Fund: Fidelity GNMA Fund |
| WORLD BOND |
CGFIX |
ABDN GLBL FX INC IS |
|
| REAL ESTATE |
|
|
| REAL ESTATE |
FRESX |
FID REAL ESTATE INVS |
| REAL ESTATE |
FRIFX |
FID REAL ESTATE INC |
|
| Emerging Market |
|
|
| Latin America Stock |
FLATX |
FID LATIN AMERICA |
| DIVERSIFIED EMERGING MKTS |
FEDDX |
FID EMERG MKTS DISC |
|
Investment model portfolios
We provide two types of investment model portfolios for MIT SUPPLEMENTAL 401K 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.
