Investment options of CALHOUN CONSTRUCTION SERVICES 401(K) PLAN
Total Available Funds: 33
| Investment Description |
|---|
| American Century Strategic Allocation Aggressive Fund R6 |
| American Century Strategic Allocation Moderate Fund R6 |
| American Funds Balanced Fund R6 |
| BlackRock High Yield Bond Fund K |
| DFA U.S. Targeted Value Fund I |
| Fidelity 500 Index Fund |
| Fidelity International Index Fund |
| Fidelity International Small Cap Fund |
| Fidelity Mid Cap Index Fund |
| Fidelity Small Cap Index Fund |
| Fidelity U.S. Bond Index Fund |
| Fidelity Freedom BLD 2010 K6 |
| Fidelity Freedom BLD 2025 K6 |
| Fidelity Freedom BLD 2030 K6 |
| Fidelity Freedom BLD 2035 K6 |
| Fidelity Freedom BLD 2040 K6 |
| Fidelity Freedom BLD 2045 K6 |
| Fidelity Freedom BLD 2050 K6 |
| Fidelity Freedom BLD 2055 K6 |
| Fidelity Freedom BLD 2060 K6 |
| Fidelity Freedom BLD 2065 K6 |
| Fidelity Freedom BLD 2070 K6 |
| Hartford International Value Fund Class R6 |
| JPMorgan Core Bond Fund Class R6 |
| JPMorgan Equity Income Fund R6 |
| JPMorgan Large Cap Growth Fund R6 |
| JPMorgan U.S. Equity Fund R6 |
| MFS Mid Cap Growth Fund Class R6 |
| Pioneer Strategic Income Fund Class K |
| Putnam Small Cap Growth Fund Class R6 |
| Victory Sycamore Established Value Fund R6 |
| WCM Focused International Growth Institutional Fund |
| Prudential Guaranteed Income Fund |
Investment model portfolios
We provide two types of investment model portfolios for CALHOUN CONSTRUCTION SERVICES 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 CALHOUN CONSTRUCTION SERVICES 401(K) PLAN