Investment options of C.H. FENSTERMAKER & ASSOCIATES PROFIT SHARING 401K PLAN
Total Available Funds: 23
| Investment Description |
|---|
| AMERICAN FUNDS AMERICAN FUND GROWTH FD R6 |
| AMERICAN FUNDS AMERICAN FUND NEW PRESPECTIVE R6 |
| AMERICAN FUNDS AMERICAN FUNDS AM BALANCED R6 |
| AMERICAN FUNDS AMERICAN FUNDS CAP INC BUILDER R6 |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC R6 |
| AMERICAN FUNDS AMERICAN FUNDS FUNDMNTL INV R6 |
| CLEARBRIDGE CLRBRG SMALL CAP GROWTH FD |
| DIMENSIONAL FUND ADVISORS DFA EMERGING MARKETS PORT |
| DIMENSIONAL FUND ADVISORS DFA INFLAT-PROT SECURITIES POR |
| DIMENSIONAL FUND ADVISORS DFA REAL ESTATE SECURITIES |
| DIMENSIONAL FUND ADVISORS DFA US TARGETED VI PORT |
| EATON VANCE EATON VANCE ATLANTA MID CAP |
| FIDELITY FIDELITY TOTAL INTERNATIONAL INDEX FUND |
| FRANKLIN TEMPLETON TEMPLETON GLOBAL BOND FD |
| INVESCO INVESCO DIVRSD DIVIDEND FD |
| PGIM PGIM HIGH YIELD FD |
| PIMCO PIMCO INCOME FD |
| VANGUARD VANGUARD 500 INDEX FD |
| VANGUARD VANGUARD MID-CAP INDEX FD |
| VANGUARD VANGUARD SMALL-CAP INDEX FD |
| VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY VOYA M/M FUND HOLDING ACCT |
| VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY VOYA INTERMEDIATE BOND FD R6 |
| VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY VOYA LARGE CAP GROWTH FD |
Investment model portfolios
We provide two types of investment model portfolios for C.H. FENSTERMAKER & ASSOCIATES PROFIT SHARING 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 C.H. FENSTERMAKER & ASSOCIATES PROFIT SHARING 401K PLAN