Investment options of ADVANTAGE TESTING, INC.401(K) PLAN
Total Available Funds: 21
| Investment Description |
|---|
| ASCENSUS Calvert Bond Fund I |
| ASCENSUS Calvert U.S. Large Cap Core |
| ASCENSUS DFA Intl Sustainability Core |
| ASCENSUS Vanguard Inflation-Protected |
| ASCENSUS Vanguard Balanced Index Adm |
| ASCENSUS Vanguard Short-Term Bond |
| ASCENSUS Vanguard Emerging Mkts Stock |
| ASCENSUS Vanguard Target Retirement |
| ASCENSUS Vanguard 500 Index Adm |
| ASCENSUS Vanguard Interm-Term Treasury |
| ASCENSUS Vanguard Growth Index Adm |
| ASCENSUS Vanguard Mid Cap Index Adm |
| ASCENSUS Vanguard Mid-Cap Growth Index |
| ASCENSUS Vanguard Mid-Cap Value Index A |
| ASCENSUS Vanguard Small-Cap Growth Inde |
| ASCENSUS Vanguard Small-Cap Value Index |
| ASCENSUS Vanguard Small-Cap Index Adm |
| ASCENSUS Vanguard Wellesley Income Adm |
| ASCENSUS Vanguard Target Retirement Inc |
| ASCENSUS Vanguard Value Index Adm |
| ASCENSUS Fidelity International Index |
Investment model portfolios
We provide two types of investment model portfolios for ADVANTAGE TESTING, 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.
Retirement Plan (401(k)) Info for ADVANTAGE TESTING, INC.401(K) PLAN