Investment options of CIRCLE GRAPHICS 401K PLAN
Total Available Funds: 30
| Investment Description |
|---|
| (Held at End of Year) EIN: 20-3076268 PN: |
| American Funds Am Balanced R6 |
| BlackRock Mid-Cap Grw Eq Por K |
| Cohen & Steers Cohen&Steers Inst Rl Shares |
| Dodge & Cox Dodge & Cox Income Fd I |
| Fidelity 500 Index Fund |
| Fidelity Intl Index Fnd |
| Fidelity Mid Cap Idx Fd |
| Fidelity Sm Cp Ind Fd |
| Invesco Inv Discovery Fd Y |
| Invesco Small Cap Value Fd R6 |
| MFS Intl Diversification Fd |
| MFS Mid Cap Value Fund R6 |
| Putnam Lrg Cp Val Fd – Cl R6 |
| Nuveen Lifcyc Ind 2065 Fd R6 |
| Nuveen Lifcyc Ind 2010 Fd R6 |
| Nuveen Lifcyc Ind 2015 Fd R6 |
| Nuveen Lifcyc Ind 2020 Fd R6 |
| Nuveen Lifcyc Ind 2025 Fd R6 |
| Nuveen Lifcyc Ind 2030 Fd R6 |
| Nuveen Lifcyc Ind 2035 Fd R6 |
| Nuveen Lifcyc Ind 2040 Fd R6 |
| Nuveen Lifcyc Ind 2045 Fd R6 |
| Nuveen Lifcyc Ind 2050 Fd R6 |
| Nuveen Lifcyc Ind 2055 Fd R6 |
| Nuveen Lifcyc Ind 2060 Fd R6 |
| Nuveen Lifcyc Ind Rt In Fd R6 |
| VRIAC Voya Fixed Account, 1.50% |
| Voya Voya Gvt Mny Mkt Fd A (Hold Acct) |
| various maturity dates) |
Investment model portfolios
We provide two types of investment model portfolios for CIRCLE GRAPHICS 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 CIRCLE GRAPHICS 401K PLAN