Sterling Infosystems Inc. 401(k) Profit Sharing Plan Investment Model Portfolios

Investment options of Sterling Infosystems Inc. 401(k) Profit Sharing Plan

Total Available Funds: 28

Asset Class

Ticker

Description

Others
Target Date 2031-2035	FTTHX	Fidelity Advisor Freedom 2035 T
Target Date 2046-2050	FFFQX	Fidelity Advisor Freedom 2050 T
Target Date 2000-2010	FFTVX	Fidelity Advisor Freedom 2005 T
Target Date 2011-2015	FFVTX	Fidelity Advisor Freedom 2015 T
Target Date 2036-2040	FTFFX	Fidelity Advisor Freedom 2040 T
Target Date 2051+	FHFTX	Fidelity Advisor Freedom 2055 T
Target Date 2021-2025	FTTWX	Fidelity Advisor Freedom 2025 T
Target Date 2000-2010	FCFTX	Fidelity Advisor Freedom 2010 T
Target Date 2026-2030	FTFEX	Fidelity Advisor Freedom 2030 T
Target Date 2016-2020	FDTFX	Fidelity Advisor Freedom 2020 T
ROOT	FDAXX	Prime Fund - Daily Money Class
Target Date 2041-2045	FFFTX	Fidelity Advisor Freedom 2045 T
Retirement Income	FTAFX	Fidelity Advisor Freedom Inc T

US EQUITY
MID-CAP BLEND	FLSTX	Fidelity Advisor Leveraged Co Stk T
SMALL VALUE	CSMIX	Columbia Small Cap Value Fund I Class A
LARGE GROWTH	FNITX	Fidelity Advisor New Insights T
LARGE VALUE	FEIRX	Fidelity Advisor Equity Income T
Mid-Cap Growth	FITIX	Fidelity Advisor Mid Cap II T
LARGE BLEND	CHTRX	Invesco Charter A
LARGE VALUE	PNEAX	Allianz NFJ Dividend Value A
MID-CAP BLEND	QVSCX	Oppenheimer Small & Mid Cap Value A
SMALL BLEND	FSCTX	Fidelity Advisor Small Cap T
LARGE BLEND	FAVTX	Fidelity Advisor Equity Value T

FIXED INCOME
Intermediate Government	FVITX	Fidelity Advisor Government Income T
Intermediate-Term Bond	PTTAX	PIMCO Total Return A
Multisector Bond	FSIAX	Fidelity Advisor Strategic Income T
High Yield Bond	FAHYX	Fidelity Advisor High Income Advantage T

INTERNATIONAL EQUITY
Foreign Large Blend	FTADX	Fidelity Advisor Intl Discovery T

Investment model portfolios

We provide two types of investment model portfolios for Sterling Infosystems Inc. 401(k) 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

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