Investment options of ALLIANCE MOBILE 401K PLAN
Total Available Funds: 37
| Investment Option List |
|---|
| MyCompass Ind Conservative Ret Fd Commingled Fund N/A |
| MyCompass Ind Conservative 2035 Fd Commingled Fund N/A |
| MyCompass Ind Conservative 2045 Fd Commingled Fund N/A |
| MyCompass Ind Conservative 2055 Fd Commingled Fund N/A |
| MyCompass Ind Conservative 2065 Fd Commingled Fund N/A |
| MyCompass Ind Moderate Ret Fd Commingled Fund N/A |
| MyCompass Ind Moderate 2035 Fd R Commingled Fund N/A |
| MyCompass Ind Moderate 2045 Fd R Commingled Fund N/A |
| Mycompass Ind Moderate 2055 Fd R Commingled Fund N/A |
| Mycompass Ind Moderate 2065 Fd R Commingled Fund N/A |
| MyCompass Ind Aggressive Ret Fd R Commingled Fund N/A |
| MyCompass Ind Aggressive 2035 Fd R Commingled Fund N/A |
| MyCompass Ind Aggressive 2045 Fd R Commingled Fund N/A |
| MyCompass Ind Aggressive 2055 Fd R Commingled Fund N/A |
| MyCompass Ind Aggressive 2065 Fd R Commingled Fund N/A |
| Voya Fixed Account Guaranteed investment contract N/A |
| NOTES RECEIVABLE FROM PARTICIPANTS 3.25% to 9.5% $ – |
| Allspg Spec SmCp Vl Fd R6 Registered Investment Company |
| AmCen Mid Cap Value Fund R6 Registered Investment Company |
| American Funds Am Balanced R6 Registered Investment Company (GBLAX) |
| American Funds Nw Prspctv R6 Registered Investment Company (FUNDS) |
| BlkRck Emrg Mrkts Fnd K Registered Investment Company |
| ClrBrg Intl Growth Fd IS Registered Investment Company |
| Columbia Dividend Income Fd I3 Registered Investment Company (GSFTX) |
| DWS RREEF Rl Est Sec Fd R6 Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company (FRESX) |
| Fidelity Intl Index Fnd Registered Investment Company |
| Fidelity Mid Cap Idx Fd Registered Investment Company |
| Fidelity Sm Cp Ind Fd Registered Investment Company |
| Gldmn Sachs Cr Fxd Inc Fd R6 Registered Investment Company |
| Janus Hndr Enterprise Fund N Registered Investment Company |
| Janus Hndr Glbl Eqty Inc Fnd N Registered Investment Company |
| Lord Abbett Develop Grw Fd R6 Registered Investment Company |
| Lord Abbett Shrt Dur Inc Fd R6 Registered Investment Company |
| MFS Growth Fund R6 Registered Investment Company |
| PIMCO Income Fund Ins Registered Investment Company (PFIIX) |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for ALLIANCE MOBILE 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.
Retirement Plan (401(k)) Info for ALLIANCE MOBILE 401K PLAN