Investment options of ALERACARE 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| EI Fixed Account Guaranteed Interest Contract |
| 1FIWTX 461,761.40 |
| 1FFEDX 92,606.61 |
| 1FFEGX 244,177.96 |
| 1FFEZX 325,632.19 |
| 1FFIZX 321,194.29 |
| 1FFOLX 364,546.48 |
| 1FFOPX 676,534.74 |
| 1FFLDX 241,165.11 |
| 1FFLEX 63,277.54 |
| 1RNWGX 77,225.88 |
| 1DFSPX 16,454.99 |
| 1FIDZX 24,741.29 |
| 1DCMSX 4,054.49 |
| 1DFREX 9,028.19 |
| 1FSSNX 289,176.77 |
| 1JGMNX 42,433.12 |
| 1UBVFX 4,267.88 |
| 1FSMDX 52,782.67 |
| 1OTCKX 71,209.07 |
| 1DFUSX 73,123.30 |
| 1FXAIX 280,187.82 |
| 1HDGVX 59,282.11 |
| 1JLGMX 541,026.00 |
| 1RLBGX 973,597.13 |
| 1FBKWX 87,473.78 |
| 1PIMIX 11,675.64 |
| 1GWAQ35 1.450 460,850.84 |
| FORFEITURES 36,482.36 |
Investment model portfolios
We provide two types of investment model portfolios for ALERACARE 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 ALERACARE 401(K) PLAN