Investment options of C. COWLES & COMPANY 401(K) PLAN
Total Available Funds: 33
| Investment Description |
|---|
| VANGUARD 500 INDEX ADMIRAL MUTUAL FUND |
| VIRTUS CEREDEX MID-CAP VALUE EQUITY R6 MUTUAL FUND |
| EMPOWER MOD PROFILE FUND INST MUTUAL FUND |
| EMPOWER AGG PROFILE FUND INST MUTUAL FUND |
| AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 MUTUAL FUND |
| AMERICAN FUNDS EUROPACIFIC GR R6 MUTUAL FUND |
| EMPOWER T. ROWE PRICE MID CAP GR INST MUTUAL FUND |
| PIMCO TOTAL RETURN INSTL MUTUAL FUND |
| VANGUARD GNMA ADM MUTUAL FUND |
| MFS GROWTH R6 MUTUAL FUND |
| EMPOWER S&P SMALL CAP 600 INDEX INST MUTUAL FUND |
| JANUS HENDERSON TRITON N MUTUAL FUND |
| PIMCO INT BOND (USD-HEDGED) INST MUTUAL FUND |
| EMPOWER MULTI-SECTOR BOND INST MUTUAL FUND |
| VANGUARD ENERGY INDEX ADM MUTUAL FUND |
| AMERICAN FUNDS CAPITAL WORLD G/AMP;I R6 MUTUAL FUND |
| AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 MUTUAL FUND |
| AMERICAN FUNDS WASHINGTON MUTUAL R6 MUTUAL FUND |
| TOUCHSTONE LARGE CAP FOCUSED I MUTUAL FUND |
| MFS UTILITIES R6 MUTUAL FUND |
| EMPOWER CON PROFILE FUND INST MUTUAL FUND |
| AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 MUTUAL FUND |
| AMERICAN FUNDS NEW WORLD R6 MUTUAL FUND |
| INVESCO DEVELOPING MARKETS R6 MUTUAL FUND |
| INVESCO GOLD & SPECIAL MINERALS R6 MUTUAL FUND |
| FIDELITY MID CAP INDEX MUTUAL FUND |
| FIDELITY ADVISOR SMALL CAP VALUE Z MUTUAL FUND |
| AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 MUTUAL FUND |
| AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 MUTUAL FUND |
| MFS VALUE R6 MUTUAL FUND |
| AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 MUTUAL FUND |
| AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 MUTUAL FUND |
| AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for C. COWLES & COMPANY 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 C. COWLES & COMPANY 401(K) PLAN