Investment options of ANSWERLAB 401(K) PROFIT SHARING PLAN
Total Available Funds: 60
| Investment Description |
|---|
| Empower EI Fixed Account – Series Class I N/R |
| Fidelity Mid Cap Index Fund N/R |
| Victory Core Plus Intermediate Bond R6 N/R |
| Massachusetts Financial Services Company International Growth R6 N/R |
| Allspring Global Investments Special Small Cap Value R6 N/R |
| Fidelity Inflation-Protected Bond Index Fund N/R |
| Invesco Discovery Mid Cap Growth R6 N/R |
| American Funds New World R6 N/R |
| T. Rowe Price Spectrum Income N/R |
| T. Rowe Price Retirement 2050 TR C N/R |
| T. Rowe Price Retirement 2040 TR C N/R |
| T. Rowe Price Retirement 2055 TR C N/R |
| T. Rowe Price Retirement 2060 TR C N/R |
| Great Gray Trust Company, LLC BlackRock Equity Index Fund R N/R |
| T. Rowe Price Retirement 2045 TR C N/R |
| T. Rowe Price Retirement 2035 TR C N/R |
| AM1 Domestic Equity Class 1 N/R |
| Great Gray Trust Company, LLC BlackRock Russell 2000 Index Fund R N/R |
| Putnam Investments Putnam Large Cap Value Trust I N/R |
| Great Gray Trust Company, LLC BlackRock EAFE Equity Index Fee CL R N/R |
| AM1 International Equity Class 1 N/R |
| T. Rowe Price Retirement 2025 TR C N/R |
| T. Rowe Price Retirement 2030 TR C N/R |
| AM1 Core Fixed Income Class 1 N/R |
| T. Rowe Price Retirement 2065 TR C N/R |
| AM1 Portfolio Diversifiers Class 1 N/R |
| T. Rowe Price Retirement 2015 TR C N/R |
| AM1 Income Class 1 N/R |
| 1AMPDC1 47,609.05 |
| 1TPR15C 22,581.21 |
| 1TPR25C 127,721.07 |
| 1TPR30C 124,962.06 |
| 1TPR35C 660,337.51 |
| 1TPR40C 2,936,222.93 |
| 1TPR50C 4,252,745.12 |
| 1TPR60C 1,576,369.83 |
| 1TPR45C 1,054,755.23 |
| 1TPR55C 1,905,304.68 |
| 1TPR65C 47,775.46 |
| 1RNWGX 2,317.82 |
| 1AMIEC1 164,487.50 |
| 1MGRDX 43,244.89 |
| 1WTINER 151,334.61 |
| 1DFREX 44,526.67 |
| 1QUAZX 7,297.56 |
| 1WTSCER 217,358.40 |
| 1ESPRX 43,060.87 |
| 1FSMDX 328,527.48 |
| 1OEGIX 14,031.91 |
| 1AMDEC1 513,729.60 |
| 1ABLCGR 218,304.32 |
| 1WTEQR 1,314,977.11 |
| 1PLCVTI 205,069.33 |
| 1ALRDFI 68,917.93 |
| 1AMICC1 18,864.83 |
| 1FIPDX 24,664.82 |
| 1RPSIX 2,018.65 |
| 1URIBX 146,325.15 |
| 1GWAQ35 1.450 25,546.26 |
| FORFEITURES 22,158.72 |
Investment model portfolios
We provide two types of investment model portfolios for ANSWERLAB 401(K) PROFIT SHARING 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 ANSWERLAB 401(K) PROFIT SHARING PLAN