Cardinal Solutions Group Inc. 401(k) Plan Investment Model Portfolios

Investment options of Cardinal Solutions Group Inc. 401(k) Plan

Total Available Funds: 35

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	FDIVX	Fidelity Diversified International
Foreign Large Growth	JIGRX	Janus Overseas S

Others
Target Date 2051+	FDEEX	Fidelity Freedom 2055
Target Date 2026-2030	FFFEX	Fidelity Freedom 2030
Target Date 2041-2045	FFFGX	Fidelity Freedom 2045
Target Date 2000-2010	FFFCX	Fidelity Freedom 2010
Retirement Income	FFFAX	Fidelity Freedom Income
Target Date 2011-2015	FFVFX	Fidelity Freedom 2015
Target Date 2031-2035	FFTHX	Fidelity Freedom 2035
Target Date 2016-2020	FFFDX	Fidelity Freedom 2020
Target Date 2036-2040	FFFFX	Fidelity Freedom 2040
Target Date 2021-2025	FFTWX	Fidelity Freedom 2025
Target Date 2000-2010	FFFVX	Fidelity Freedom 2005
Target Date 2000-2010	FFFBX	Fidelity Freedom 2000
ROOT	-	FID MGD INC PORT
Target Date 2046-2050	FFFHX	Fidelity Freedom 2050

US EQUITY
Mid-Cap Growth	FDEGX	Fidelity Growth Strategies
LARGE GROWTH	RIMEX	Rainier Large Cap Equity Original
LARGE BLEND	FDGFX	Fidelity Dividend Growth
MID-CAP VALUE	ARTQX	Artisan Mid Cap Value Investor
LARGE BLEND	FUSVX	Fidelity Spartan 500 Index Advtg
LARGE GROWTH	FOCPX	Fidelity OTC
LARGE VALUE	EHSTX	Eaton Vance Large-Cap Value A
MID-CAP BLEND	FLVCX	Fidelity Leveraged Company Stock
SMALL BLEND	SSMVX	Wells Fargo Advantage Small Cap Val Inv
LARGE VALUE	FEQTX	Fidelity Equity Dividend Income
Mid-Cap Growth	MACGX	Morgan Stanley Inst Mid Cap Growth P
Mid-Cap Growth	NBGEX	Neuberger Berman Genesis Tr
LARGE GROWTH	FDSVX	Fidelity Growth Discovery
LARGE GROWTH	FFIDX	Fidelity

FIXED INCOME
Inflation-Protected Bond	PARRX	PIMCO Real Return Admin
Intermediate-Term Bond	FBIDX	Spartan U.S. Bond Index Investor
Inflation-Protected Bond	PRTNX	PIMCO Real Return A
Intermediate-Term Bond	FSITX	Fidelity Spartan US Bond Idx Advtg
High Yield Bond	FAGIX	Fidelity Capital & Income

Investment model portfolios

We provide two types of investment model portfolios for Cardinal Solutions Group Inc. 401(k) 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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