Investment options of CIRCLE 9 RESOURCES 401(K) PLAN
Total Available Funds: 24
| Investment Description |
|---|
| VANGUARD SMALL-CAP IDX ADM Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT INCM Pooled separate account N/A |
| JPMORGAN LARGE CAP GROWTH Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2025 Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2035 Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2045 Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2065 Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2020 Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2060 Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2055 Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2050 Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2040 Pooled separate account N/A |
| VANGUARD TRGT RETIREMENT 2030 Pooled separate account N/A |
| VANGUARD SM-CAP VAL IND ADM Pooled separate account N/A |
| PUTNAM LARGE CAP VALUE Y Pooled separate account N/A |
| AMERICAN CENTURY EMRG MKT R6 Pooled separate account N/A |
| VANGUARD EXPLORER ADM Pooled separate account N/A |
| ISHARES MSCI EAFE INTL IDX INS Pooled separate account N/A |
| LORD ABBETT HIGHYIELD R6 Pooled separate account N/A |
| VANGUARD TARGET RETIRE 2070 Pooled separate account N/A |
| MFS INTL INTRINSIC VAL R3 Pooled separate account N/A |
| CARILLON EAGLE MID CAP GRO I Pooled separate account N/A |
| GOLDMAN SACHS INFPROT SEC INV Pooled separate account N/A |
| STATE STREET EQ 500 INDEX A Pooled separate account N/A |
Investment model portfolios
We provide two types of investment model portfolios for CIRCLE 9 RESOURCES 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 CIRCLE 9 RESOURCES 401(K) PLAN