Investment options of CATOR, RUMA & ASSOCIATES, CO. PROFIT SHARING 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| BARON EMERGING MARKETS INSTITUTIONAL MUTUAL FUND |
| BLACKROCK TOTAL RETURN K MUTUAL FUND |
| COHEN & STEERS REAL ESTATE SECURITIES Z MUTUAL FUND |
| FIDELITY LARGE CAP GROWTH INDEX MUTUAL FUND |
| FIDELITY LARGE CAP VALUE INDEX MUTUAL FUND |
| FIDELITY MID CAP INDEX MUTUAL FUND |
| FIDELITY SMALL CAP INDEX MUTUAL FUND |
| ISHARES MSCI EAFE INTERNATIONAL INDEX K MUTUAL FUND |
| JP MORGAN EQUITY INCOME R6 MUTUAL FUND |
| LORD ABBETT SHORT DURATION INCOME R6 MUTUAL FUND |
| OAKMARK INTERNATIONAL INSTITUTIONAL MUTUAL FUND |
| TCW CORE FIXED INCOME I MUTUAL FUND |
| TEMPLETON GLOBAL BOND R6 MUTUAL FUND |
| ALGER SMALL CAP GROWTH Z MUTUAL FUND |
| MORGAN STANLEY INSIGHT I MUTUAL FUND |
| TOUCHSTONE MID CAP Z MUTUAL FUND |
| VANGUARD 500 INDEX ADMIRAL MUTUAL FUND |
| VANGUARD EMERGING MKTS STOCK IDX ADM MUTUAL FUND |
| INDEXSELECT AGGRESSIVE 2045 FUND CL I COMMON COLLECTIVE TRUST |
| INDEXSELECT AGGRESSIVE 2055 FUND CL I COMMON COLLECTIVE TRUST |
| INDEXSELECT MODERATE 2025 FUND CL I COMMON COLLECTIVE TRUST |
| INDEXSELECT MODERATE 2035 FUND CL I COMMON COLLECTIVE TRUST |
| INDEXSELECT MODERATE 2045 FUND CL I COMMON COLLECTIVE TRUST |
| INDEXSELECT MODERATE 2055 FUND CL I COMMON COLLECTIVE TRUST |
| INDEXSELECT MODERATE RETIRE FUND CL I COMMON COLLECTIVE TRUST |
Investment model portfolios
We provide two types of investment model portfolios for CATOR, RUMA & ASSOCIATES, CO. PROFIT SHARING 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 CATOR, RUMA & ASSOCIATES, CO. PROFIT SHARING 401(K) PLAN