Investment options of CARE FOR U PLUS 401(K) PLAN
Total Available Funds: 49
| Investment Description |
|---|
| Fidelity Global Ex US Index |
| Fidelity Inflation-Protected Bond |
| Fidelity US Bond Index |
| American Funds Strategic Bond Fund Class R6 |
| State Street Equity 500 Index K |
| DFA Emerging Markets Core Equity I |
| Fidelity Mid Cap Index |
| Fidelity Small Cap Index |
| Putnam George Putnam Balance R6 |
| Federated Federated Hermes Instl High Yield Bd R6 |
| Empower EI Fixed Account – Series Class I |
| State Street Alta with State Street Custom Target Date Serive 2045 Fund |
| State Street Alta with State Street Custom Target Date Serive 2040 Fund |
| State Street Alta with State Street Custom Target Date Serive 2030 Fund |
| State Street Alta with State Street Custom Target Date Serive 2035 Fund |
| State Street Alta with State Street Custom Target Date Serive 2020 Fund |
| State Street Alta with State Street Custom Target Date Serive 2025 Fund |
| State Street Alta with State Street Custom Target Date Serive 2050 Fund |
| State Street Alta with State Street Custom Target Date Serive 2055 Fund |
| State Street Alta with State Street Custom Target Date Serive 2060 Fund |
| State Street Alta with State Street Custom Target Date Service Retirement Fund |
| State Street Alta Federated mdt Small Cap Core |
| State Street Great Gray Blended Research Core Equity |
| State Street International Growth Fund II R1 |
| State Street Alta with State Street Custom Target Date Serive 2065 Fund |
| State Street Mid Cap Growth Fund Fee Class R1 |
| State Street Small Cap Value Fund II Fee Class R1 |
| EMPOWER INVESMENT FIXED ACCOUNT – SERIES CLASS I |
| FEDERATED HERMES INSTL HIGH YIELD BD R6 |
| FIDELITY INFLATION PROTECTED BOND INDEX |
| FIDELITY U.S. BOND INDEX |
| GEORGE PUTNAM BALANCED R6 |
| THE AMERICAN FUNDS AMERICAN FUNDS STRATEGIC BOND R6 |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER RET FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2020 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2025 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2030 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2035 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2040 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2045 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2050 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2055 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2060 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2065FD |
| GREAT GRAY INTERNATIONAL GROWTH FUND II R1 |
| ALTA TRUST ALTA FEDERATED MDT SMALL CAP CORE |
| GREAT GRAY SMALL CAP VALUE FUND II FEE CLASS R1 |
| GREAT GRAY MID CAP GROWTH FUND FEE CLASS R1 |
| GREAT GRAY GREAT GRAY BLENDED RESEARCH CORE EQUITY |
Investment model portfolios
We provide two types of investment model portfolios for CARE FOR U PLUS 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 CARE FOR U PLUS 401(K) PLAN