Investment options of CELESTAR 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| BLACKROCK LIFEPATH INDEX 2060 Pooled Separate Account |
| BLACKROCK LIFEPATH INDEX 2055 Pooled Separate Account |
| BLACKROCK LIFEPATH INDEX 2050 Pooled Separate Account |
| BLACKROCK LIFEPATH INDEX 2045 Pooled Separate Account |
| BLACKROCK LIFEPATH INDEX 2040 Pooled Separate Account |
| BLACKROCK LIFEPATH INDEX 2035 Pooled Separate Account |
| BLACKROCK LIFEPATH INDEX 2030 Pooled Separate Account |
| BLACKROCK LIFEPATH INDEX 2025 Pooled Separate Account |
| American Fds New World Fund Pooled Separate Account |
| BLACKROCK LIFEPATH INDEX RET Pooled Separate Account |
| INTL EQUITY INDEX FUND Pooled Separate Account |
| MID CAP INDEX FUND Pooled Separate Account |
| SMALL CAP INDEX FUND Pooled Separate Account |
| 500 INDEX FUND Pooled Separate Account |
| BLUE CHIP GROWTH FUND Pooled Separate Account |
| Amer Fds New Perspective Fund Pooled Separate Account |
| VANGUARD TOT WLD STK INDEX ETF Pooled Separate Account |
| VANGUARD VALUE INDEX FUND Pooled Separate Account |
| Nuveen Small Cap Blend Index Pooled Separate Account |
| AM FDS AMERICAN BALANCED FUND Pooled Separate Account |
| Vanguard Short Term Federal Pooled Separate Account |
| Vanguard MidCap Growth ETF Pooled Separate Account |
| BlackRock Infl Protected Bond Pooled Separate Account |
| Templeton World Pooled Separate Account |
| John Hancock Bond Fund Pooled Separate Account |
| MFS Mid Cap Value Fund Pooled Separate Account |
| Invesco Small Cap Growth Fund Pooled Separate Account |
| BlackRock LifePath Index 2065 Pooled Separate Account |
| Vanguard Small Cap Value Index Pooled Separate Account |
| Vanguard Interm-Term Bond Idx Pooled Separate Account |
| BlackRock US Debt Index Fund Pooled Separate Account |
| JPMorgan Global Bond Opps Pooled Separate Account |
Investment model portfolios
We provide two types of investment model portfolios for CELESTAR 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 CELESTAR 401(K) PLAN