Investment options of ALSCO 401K SAVINGS PLAN
Total Available Funds: 31
| Investment Description |
|---|
| Company matching and discretionary contributions in ensuing years. At December 31, |
| Fidelity Investments Puritan Fund |
| Fidelity Investments Low-Priced Stock Fund |
| Baird Core Plus Bond Fund Institutional |
| Fidelity Investments US Bond |
| Dodge & Cox Stock Fund Class X |
| American Funds New World Fund R-6 |
| Baird Short-Term Bond Fund Institutional |
| J.P. Morgan Undiscovered Managers Behavior Value Fund R6 |
| Janus Henderson J H Enterprise N |
| T. Rowe Price US Small-Cap Growth Equity Fund I |
| Putnam High Yield Fund R6 |
| Lord Abbott Bond Debenture Fund R6 |
| Dodge & Cox Global Bond Fund Class X |
| Fidelity Investments FID Contrafund Commingled Pool A |
| Geode Capital SP 500 Index Pool C |
| Fidelity Investments FID Freedom Index 2030 Fund S |
| Fidelity Investments FID Freedom Index 2035 Fund S |
| Fidelity Investments FID Freedom Index 2025 Fund S |
| Fidelity Investments FID Freedom Index 2040 Fund S |
| Fidelity Investments FID Freedom Index 2045 Fund S |
| Fidelity Investments FID Freedom Index 2050 Fund S |
| Fidelity Investments FID Freedom Index 2055 Fund S |
| Fidelity Investments FID Freedom Index 2020 Fund S |
| Fidelity Investments FID Freedom Index 2060 Fund S |
| Geode Capital SP Small-Cap Index Pool C |
| Fidelity Investments FID Freedom Index 2065 Fund S |
| Geode Capital SP Mid-Cap Index Pool C |
| Fidelity Investments FID Freedom Index 2010 Fund S |
| Fidelity Investments FID Freedom Index 2015 Fund S |
| Fidelity Investments FID Freedom Index Income Fund S |
Investment model portfolios
We provide two types of investment model portfolios for ALSCO 401K SAVINGS 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 ALSCO 401K SAVINGS PLAN