Investment options of ALACRITY SOLUTIONS GROUP, LLC 401(K) PLAN
Total Available Funds: 40
| Investment Option List |
|---|
| American Funds American Balanced Fund Class R-6 1 (GBLAX) |
| American Funds EUPAC Class R-2 7 |
| American Funds Growth Fund of America Class R-2 2 (FAFGX) |
| American Funds Investment Company of America Class R-2 1 (FAOOX) |
| American Funds New World Fund Class R-2 1 (HVWBX) |
| American Funds New World Fund Class R-6 8 ,649 (HVWBX) |
| American Funds 2030 Target Date Retirement Fund Class R-2 3 ,608 (REETX) |
| American Funds 2035 Target Date Retirement Fund Class R-2 6 (REFTX) |
| American Funds 2040 Target Date Retirement Fund Class R-2 8 (REGTX) |
| American Funds 2045 Target Date Retirement Fund Class R-2 5 (REHTX) |
| American Funds 2050 Target Date Retirement Fund Class R-2 2 ,684 (REITX) |
| American Funds 2055 Target Date Retirement Fund Class R-2 1 ,636 (FAJTX) |
| American Funds 2060 Target Date Retirement Fund Class R-2 7 (CCKTX) |
| American Funds 2065 Target Date Retirement Fund Class R-2 4 (FBMTX) |
| Columbia Dividend Income Fund Institutional 3 Class 1 (GSFTX) |
| DFA International Small Company Portfolio Institutional Class 8 ,632 (DISVX) |
| DFA U.S. Targeted Value Portfolio Institutional Class 7 ,612 (DWUSX) |
| Fidelity 500 Index Fund 1 ,148 (FUSEX) |
| JPMorgan Core Bond Fund Class R6 9 (JCBUX) |
| JPMorgan Large Cap Growth Fund Class R6 4 (SEEGX) |
| JPMorgan Mid Cap Growth Fund Class R5 1 (HLGEX) |
| MFS International Intrinsic Value Fund Class R6 1 (UIVCX) |
| PGIM High Yield Fund Class R6 9 (PHYEX) |
| PGIM Jennison Small Company Fund Class R4 1 (PAHWX) |
| PIMCO Real Return Fund Institutional Class 3 (PRLPX) |
| Vanguard 500 Index Fund Admiral Shares 9 ,604 (VFINX) |
| Vanguard Mid Cap Index Fund Admiral Shares 1 (VIMSX) |
| Vanguard Small Cap Index Fund Admiral Shares 1 (VISVX) |
| Vanguard Wellesly Income Fund Admiral Shares 1 (VEIPX) |
| American Century RD Hybrid 2025 CL 1 Fund 7 |
| American Century RD Hybrid 2030 CL 1 Fund 9 |
| American Century RD Hybrid 2035 CL 1 Fund 1 |
| American Century RD Hybrid 2040 CL 1 Fund 1 |
| American Century RD Hybrid 2045 CL 1 Fund 1 |
| American Century RD Hybrid 2050 CL 1 Fund 1 |
| American Century RD Hybrid 2055 CL 1 Fund 3 |
| American Century RD Hybrid 2060 CL 1 Fund 2 |
| American Century RD Hybrid 2065 CL 1 Fund 1 |
| American Century RD Hybrid In Ret CL 1 Fund 6 |
| Federated Hermes Government Obligations Advisor (GOAXX) |
Investment model portfolios
We provide two types of investment model portfolios for ALACRITY SOLUTIONS GROUP, LLC 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 ALACRITY SOLUTIONS GROUP, LLC 401(K) PLAN