Investment options of CBC/CTS 401K PLAN
Total Available Funds: 28
| Investment Description |
|---|
| American Century Investments American Century Mid Cap Value Fund |
| American Funds EuroPacific Growth Fund 218,614 |
| American Funds American Balanced Fund |
| Fidelity Inflation Protected Bond Index Fund |
| Fidelity 500 Index Fund 85,434 |
| Fidelity Large Cap Growth Index Fund |
| MassMutual MassMutual Mid Cap Growth Fund |
| PIMCO Income Fund |
| Principal Asset Management Principal Short-Term Income Fund |
| Vanguard Group Vanguard Equity-Income Fund |
| Vanguard Group Vanguard Small-Cap Index Fund |
| AB AB GLOBAL BOND ADVISOR 1/1/2024 12/31/2024 |
| AMERICAN FUNDS AMERICAN EUROPACIFIC GROWTH R5 1/1/2024 9/19/2024 |
| AMERICAN FUNDS AMERICAN BALANCED R5E 1/1/2024 9/19/2024 |
| MASS MUTUAL MASSMUTUAL MID CAP GROWTH R5 1/1/2024 12/31/2024 |
| PIMCO INCOME FUND A 1/1/2024 12/31/2024 |
| PRINCIPAL SHORT-TERM INCOME INST 1/1/2024 12/31/2024 |
| AB AB Glbl Bd Adv |
| American Century Mid Cap Val R6 |
| American Funds EuroPacific Gr R6 |
| Fidelity Inflation-Prot Bd Idx |
| Fidelity 500 Index |
| Fidelity Lg Cap Gr Idx |
| MassMutual MassMtl Mid Cap Gr R5 |
| PIMCO Inc A |
| Principal Short-Term Inc Inst |
| Vanguard Eq Inc Adm |
| Vanguard Small Cap Index Adm |
Investment model portfolios
We provide two types of investment model portfolios for CBC/CTS 401K 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 CBC/CTS 401K PLAN