Investment options of CHRISTY EMPLOYEES' PROFIT SHARING PLAN AND TRUST
Total Available Funds: 24
| Investment Description |
|---|
| VANGUARD LIFESTRATEGY MODERATE FUND |
| VANGUARD LIFESTRATEGY INCOME FD |
| VANGUARD LIFESTRATEGY GROWTH FD |
| WELLS FARGO STABLE VALUE |
| FIDELITY 500 INDEX FD |
| VANGUARD LIFESTRATEGY CONSRV GRTH FD |
| T ROWE PRICE LARGE CAP GROWTH |
| VANGUARD MID-CAP GROWTH INDEX |
| GLOBAL TR IRM CORE BD COLLECTIVE |
| DODGE & COX STOCK FUND |
| VICTORY SYCAMORE ESTABLISHED VALUE |
| HOOD RIVER SM CAP GWTH INSTL CL |
| AMERICAN FUNDS EUROPACIFIC GROWTH |
| PERSONAL CHOICE RETIREMENT ACCOUNT |
| AGM TIMESQUARE MID CAP GWTH FD |
| VANGUARD REAL ESTATE IN FD |
| NONINTEREST-BEARING CASH |
| SCHWAB INDEXED RET TR FD 2040 |
| GOLDMAN SACHS GQG PTNRS INTL |
| HARDING LOEVNER EMERGING MARKETS |
| SCHWAB INDEXED RET TR FD 2030 |
| VANGUARD FTSE ALL-WLD EXUSA SM |
| SCHWAB INDEXED RET TR FD 2060 |
| SCHWAB INDEXED RET TR FD 2050 |
Investment model portfolios
We provide two types of investment model portfolios for CHRISTY EMPLOYEES' 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 CHRISTY EMPLOYEES' PROFIT SHARING PLAN AND TRUST