Investment options of CENTRIC CONSULTING LLC 401 K PROFIT SHARING PLAN and TRUST
Total Available Funds: 31
| Investment Option List |
|---|
| Fidelity (FDGFX) |
| Fidelity Contrafund K Fund (FCNTX) |
| Fidelity Freedom 2040 K6 (FFFFX) |
| Fidelity Freedom 2035 K6 (FFTHX) |
| Fidelity Freedom 2030 K6 (FFFEX) |
| Fidelity Freedom 2045 K6 (FFFGX) |
| Fidelity Freedom 2050 K6 (FFFHX) |
| Fidelity Balanced Fund (FGBLX) |
| Fidelity Freedom 2055 K6 (FDEWX) |
| Mainstay Large Cap Growth Fund (MLAIX) |
| Fidelity Diversified International K Fund (FDIVX) |
| Fidelity Freedom 2025 K6 (FFTWX) |
| Fidelity Value K Fund (FDVLX) |
| Fidelity Freedom 2060 K6 (FDKNX) |
| Carillon Eagle Mid Cap Growth Fund (HRAYX) |
| Fidelity Strategic Income Fund (FSICX) |
| Fidelity Small Cap Index Investor Fund (FSISX) |
| MFS Value Fund (MINIX) |
| Fidelity Mid Cap Index Investor Fund (FIIMX) |
| Fidelity US Bond (FSHBX) |
| Fidelity Global US Index Investor Fund (FDCSX) |
| Fidelity Low-Priced Stock Fund (FLPSX) |
| BlackRock Advantage Small Cap Core Institutional (BDSAX) |
| Baron Growth Fund (IBGIX) |
| Fidelity Government Income Fund (FSTGX) |
| Fidelity Freedom 2020 K6 (FFFDX) |
| RBC Emerging Markets Equity Fund (RESIX) |
| Fidelity Freedom 2065 K6 (FAXDX) |
| Fidelity Freedom Inc K6 (FFFAX) |
| Fidelity Freedom 2010 K6 (FFFCX) |
| Interest Rate 5.25 to 10.5 Percent – 0 – |
Investment model portfolios
We provide two types of investment model portfolios for CENTRIC CONSULTING LLC 401 K PROFIT SHARING PLAN and TRUST 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 CENTRIC CONSULTING LLC 401 K PROFIT SHARING PLAN and TRUST