Investment options of CENTRALSQUARE TECHNOLOGIES 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| FID GOVT MMKT MONEY MARKET FUND |
| PIMCO INCOME INST MUTUAL FUND |
| PIF EQUITY INC INST MUTUAL FUND |
| PIMCO ALL ASSET INST MUTUAL FUND |
| ABF SM CAP VAL R5 MUTUAL FUND |
| PGIM TOTAL RTN BD R6 MUTUAL FUND |
| AF EUROPAC GRTH R6 MUTUAL FUND |
| J H TRITON N MUTUAL FUND |
| MM MID CAP GRTH I MUTUAL FUND |
| INVESCO DEVELOP MKT R6 MUTUAL FUND |
| JH DSCPL VAL MID CAP R6 MUTUAL FUND |
| FID CONTRAFUND K MUTUAL FUND |
| FID US BOND INDX MUTUAL FUND |
| FID 500 INDX MUTUAL FUND |
| FID MID CAP INDX MUTUAL FUND |
| FID SM CAP INDX MUTUAL FUND |
| FID INTL INDX MUTUAL FUND |
| FID ST BOND INDX MUTUAL FUND |
| FID FRDM INDX 2015 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2020 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2025 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2030 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2035 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2040 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2045 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2050 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2055 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2060 Y COMMON COLLECTIVE TRUST |
| FID FRDM INDX 2065 Y COMMON COLLECTIVE TRUST |
Investment model portfolios
We provide two types of investment model portfolios for CENTRALSQUARE TECHNOLOGIES 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 CENTRALSQUARE TECHNOLOGIES 401(K) PLAN