Investment options of CENTER 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| (Held at End of Year) EIN: 27-2876769 PN: |
| American Beacon AMERICAN BEACON SMALL CAP VALUE FD R6 CL |
| American Century MID CAP VALUE R6 |
| American Funds EUROPACIFIC GR R6 |
| Fidelity INTER |
| Fidelity FIDELITY |
| Fidelity SMALL CAP IDX FD INSTL PREMIUM CL |
| Fidelity MID CAP INDEX FD |
| Goldman Sachs GS INTL SM CAP INSIGHTS FD CL R6 |
| Janus JANUS TRITON N |
| MFS INT'L DIVERSIFICATION FD CL R6 |
| MFS GROWTH R6 |
| Putnam LARGE CAP VALUE FUND CLASS R6 |
| Fidelity U.S. BOND INDEX |
| PIMCO INCOME INSTL |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2010 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2015 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2020 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2025 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2030 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2035 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2040 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2045 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2050 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2055 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2060 |
| Charles Schwab SCHWAB INDEXED RETIRE TR 2065 |
| Black Rock BLACKROCK MIDCAP GRWTH EQ L1 |
| Standard Ins. Co. STANDARD INS CO STABLE ASSET FD C, 2.33% |
| from 6.75% to 9.50%, various maturity dates) |
Investment model portfolios
We provide two types of investment model portfolios for CENTER 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 CENTER 401(K) PLAN