Investment options of CINER 401(K) RETIREMENT PLAN
Total Available Funds: 20
| Investment Description |
|---|
| MERRILL LYNCH/BOFA SELF-DIRECTED BROKERAGE ACCOUNTS |
| BLF MONEY FUND INTEREST-BEARING CASH |
| AMERICAN CENTURY MIDCAP VAL I |
| AMERICAN EUROPACIFIC GR FD R5 |
| AMERICAN GRTH FD OF AMER CL R5 |
| BLACKROCK GLOBAL ALLOC I |
| BLACKROCK MID CAP GRTH EQTY I |
| CLEARBRIDGE SMALL CAP GRTH IS |
| COLUMBIA SMALL CAP INDX INSTL2 |
| INVESTCO DEVELOPING MKTS FD Y |
| INVESTCO GLOBAL OPPOR Y |
| ISHARES MSCI EAFE INTRNL IDX K |
| ISHARES S& P 500 INDEX FD CL K |
| JP MORGAN GOVERNMENT BD CL I |
| JP MORGAN U. S. EQUITY FD CL R5 |
| METROPOLITAN WEST TOTAL FD I |
| NEUBERGER BERMAN LRG CP VAL TR |
| THE OAKMARK EQUITY & INCM INV |
| VICTORY SYCAMORE SMALL COMP I |
| VICTORY TRIVALENT INTL SMALL Y |
Investment model portfolios
We provide two types of investment model portfolios for CINER 401(K) RETIREMENT 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 CINER 401(K) RETIREMENT PLAN