Investment options of Cardinal Cash In Ii Plan
Total Available Funds: 22
| Investment Description |
|---|
| SEI TRUST COMPANY: GALLIARD STABLE RETURN PN |
| PRN/BR S&P MID INDEX—COLLECTIVE INVESTMENT TRUST |
| PRN/BR S&P 500 INDEX—COLLECTIVE INVESTMENT TRUST |
| VANGUARD: VANGUARD INST T/R INC‐INST—MUTUAL FUND |
| VANGUARD EMER MKTS SEL STK FUND—MUTUAL FUND |
| VANGUARD INST T/R 2020—MUTUAL FUND |
| VANGUARD INST T/R 2025—MUTUAL FUND |
| VANGUARD INST T/R 2030—MUTUAL FUND |
| VANGUARD INST T/R 2035—MUTUAL FUND |
| VANGUARD INST T/R 2040—MUTUAL FUND |
| VANGUARD INST T/R 2045—MUTUAL FUND |
| VANGUARD INST T/R 2050—MUTUAL FUND |
| VANGUARD INST T/R 2055—MUTUAL FUND |
| VANGUARD INST T/R 2060—MUTUAL FUND |
| VANGUARD INST T/R 2065—MUTUAL FUND |
| VANGUARD INST T/R 2070—MUTUAL FUND |
| SELF DIRECTED BROKERAGE ACCOUNT: VARIOUS—MUTUAL FUNDS |
| PIMCO INVESTMENTS, LLC: PIMCO TOTAL RETURN BOND FUND—MUTUAL FUND |
| ALLSPRING ALLSPRING SPEC AGG GRWTH—MUTUAL FUND |
| AMERICAN FUNDS: AMERICAN FUNDS EUROPAC GRTH—MUTUAL FUND |
| COHEN & STEERS, INC.: COHEN & STEERS REALTY SHARES I—MUTUAL FUND |
| DODGE & COX FUNDS: DODGE & COX STOCK X—MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for Cardinal Cash In Ii 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 Cardinal Cash In Ii Plan