Investment options of ALTUGLAS LLC 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| Fidelity Contrafund Class K6 |
| Fidelity Freedom 2010 Fund Class K6 |
| Fidelity Freedom 2015 Fund Class K6 |
| Fidelity Freedom 2020 Fund Class K6 |
| Fidelity Freedom 2025 Fund Class K6 |
| Fidelity Freedom 2030 Fund Class K6 |
| Fidelity Freedom 2035 Fund Class K6 |
| Fidelity Freedom 2040 Fund Class K6 |
| Fidelity Freedom 2045 Fund Class K6 |
| Fidelity Freedom 2050 Fund Class K6 |
| Fidelity Freedom 2055 Fund Class K6 |
| Fidelity Freedom 2060 Fund Class K6 |
| Fidelity Freedom 2065 Fund Class K6 |
| Fidelity Freedom Income Fund K6 |
| Fidelity Government Income Fund |
| Fidelity Government Market Fund Class K6 |
| Fidelity Inflation-Protected Bond Fund |
| Fidelity International Discovery Fund Class K6 |
| Fidelity Low -Priced Stock Fund Class K6 |
| Fidelity Small Cap Growth Fund Class K6 |
| Fidelity US Bond |
| Fidelity Spartan 500 Index Fund Investor Class |
| Fidelity Spartan Extended Market |
| Fidelity Spartan International |
| PIMCO Research Affiliates Equity US Fund |
| JP Morgan JP Morgan Mid Cap Value R6 |
| Mass Mutual Mass Mutual Select Mid Cap Growth Fund Class I |
| Massachusetts Financial Services Massachusetts Financial Services Value Fund Class R6 |
| Notes receivable from participants Interest rate at 4.25% – 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for ALTUGLAS 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 ALTUGLAS LLC 401(K) PLAN