Sigma Aldrich Corporation 401 K Retirement Savings Plan Investment Model Portfolios

Investment options of Sigma Aldrich Corporation 401 K Retirement Savings Plan

Total Available Funds: 15

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Total Return Instl

INTERNATIONAL EQUITY
FOREIGN SMALL/MID GROWTH	ACINX	Columbia Acorn International Z
Foreign Large Blend	FDIKX	Fidelity Diversified International K

US EQUITY
MID-CAP BLEND	FSLCX	Fidelity Small Cap Stock
MID-CAP BLEND	FLPKX	Fidelity Low-Priced Stock K
MID-CAP VALUE	GSMCX	Goldman Sachs Mid Cap Value Instl
LARGE VALUE	AADEX	American Beacon Lg Cap Value Inst
MID-CAP VALUE	GCMAX	Goldman Sachs Mid Cap Value A

Others
Target Date 2036-2040	FFFFX	Fidelity Freedom 2040
Target Date 2026-2030	FFKEX	Fidelity Freedom K 2030
ROOT	1315	FID FREEDOM 2035
Target Date 2041-2045	FFKGX	Fidelity Freedom K 2045
Retirement Income	FFFAX	Fidelity Freedom Income
Target Date 2046-2050	FFFHX	Fidelity Freedom 2050
Moderate Allocation	FBAKX	Fidelity Balanced K

Investment model portfolios

We provide two types of investment model portfolios for Sigma Aldrich Corporation 401 K Retirement Savings 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

Click here for more plan details and features ►