Investment options of ASSOCIATED CONSTRUCTION AND ENGINEERING, INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 34
| Investment Description |
|---|
| MFS LIFETIME 2025 |
| MFS LIFETIME 2030 |
| MFS LIFETIME 2035 |
| MFS LIFETIME 2040 |
| MFS LIFETIME 2045 |
| MFS LIFETIME 2050 |
| MFS LIFETIME 2055 |
| MFS LIFETIME INCOME |
| AMERICAN FUNDS NEW WORLD |
| EMPOWER INTERNATIONAL INDEX |
| INVESCO INTERNATIONAL DIVERSIFIED |
| TEMPLETON FOREIGN |
| AMERICAN FUNDS CAPITAL WORLD GR |
| DWS RREEF REAL ESTATE SECS |
| INVESCO BALANCED RISK COMMODITY |
| FRANKLIN SMALL CAP VALUE |
| EMPOWER S&P SMALLCAP 600 |
| INVESCO SMALL CAP GROWTH |
| MASSMUTUAL MID CAP GROWTH |
| INVESCO MAIN STREET MID CAP |
| VIRTUS CEREDEX MID CAP VALUE |
| FRANKLIN GROWTH |
| INVESCO DIVERSIFIED DIVIDEND |
| MM S&P 500 INDEX |
| AMERICAN FUNDS FUNDAMENTAL INVS |
| MASSMUTUAL DISCIPLINED GR |
| MASSMUTUAL DISCIPLINED VALUE |
| MASSMUTUAL BALANCED |
| MASSMUTUAL 40/60 ALLOCATION |
| MASSMUTUAL 60/40 ALLOCATION |
| INVESCO CORE BOND |
| PIMCO INCOME |
| MASSMUTUAL HIGH YIELD |
| AMERICAN CENTURY INFLATION ADJS BD |
Investment model portfolios
We provide two types of investment model portfolios for ASSOCIATED CONSTRUCTION AND ENGINEERING, INC. 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 ASSOCIATED CONSTRUCTION AND ENGINEERING, INC. 401(K) PROFIT SHARING PLAN