EGTRRA 1
Unitrends Software Corporation 401(k) Plan
Summary Plan Description
INTRODUCTION
Sooner or later, you're going to need savings to supplement your retirement income. Achieving
financial security for your future is not just a matter of how much you earn, but more
importantly, it's a matter of how much you save.
By saving regularly through your Company’s 401(k) savings Plan, even if only a few dollars
each payday, you can accumulate more money in a few years than you would think possible. It
is one of the surest ways to give yourself a head start on developing financial security.
Unitrends Software Corporation wants to help you meet your financial goals with this Plan.
Your savings grow faster with tax-deferred dollars, Company contributions (if any), and
investment opportunities. Set your goals high and join the Plan.
This booklet describes the major features of the Unitrends Software Corporation 401(k) Plan
effective as of May 01, 2010. Read this booklet carefully and think about it. The question
should not be whether you should join, but how little or how much you should invest for your
financial security.
Copies of the Plan and certain related documents are available for your review in the offices of
the Company. IF THERE ARE ANY DIFFERENCES BETWEEN THIS DESCRIPTION AND
THE TERMS OF THE PLAN DOCUMENT, THE TERMS OF THE PLAN DOCUMENT
WILL GOVERN.
Investment options of cindijones2000 UNITRENDS SOFTWARE CORPORATION 401K PLAN
Total Available Funds: 1
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Investment model portfolios
We provide two types of investment model portfolios for cindijones2000 UNITRENDS SOFTWARE CORPORATION 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.