Investment options of CITYBLOCK 401(K) PLAN
Total Available Funds: 32
| Investment Option List |
|---|
| Fidelity International Index Fund N/R (FDIVX) |
| Fidelity Freedom Index 2055 Fund Premium Class N/R (FFLDX) |
| Fidelity 500 Index Fund N/R (FUSEX) |
| Fidelity Freedom Index 2050 Fund Premium Class N/R (FFOPX) |
| Fidelity U.S. Bond Index Fund N/R |
| Fidelity Freedom Index 2060 Fund Premium Class N/R (FFLEX) |
| Fidelity Freedom Index 2045 Fund Premium Class N/R (FFOLX) |
| Fidelity Large Cap Growth Index Fund N/R (FSLGX) |
| Fidelity International Bond Index Fund N/R (FINRX) |
| Fidelity Freedom Index 2065 Fund Premium Class N/R (FFIKX) |
| Fidelity Freedom Index 2040 Fund Premium Class N/R (FFIZX) |
| Fidelity Freedom Index 2035 Fund Premium Class N/R (FFEZX) |
| Fidelity Freedom Index 2025 Fund Premium Class N/R (FFEDX) |
| Fidelity Freedom Index 2030 Fund Premium Class N/R (FFEGX) |
| Putnam Large Cap Value Fund Class R6 N/R (PMVYX) |
| Fidelity Small Cap Index Fund N/R (FSISX) |
| Fidelity Freedom Index 2020 Fund Premium Class N/R (FIWTX) |
| Fidelity Mid Cap Index Fund N/R (FIIMX) |
| American Funds New World Fund Class R-6 N/R (HVWBX) |
| Buffalo Buffalo Small Cap Fund Institutional Class N/R (BUFSX) |
| Principal MidCap Value Fund I R-6 Class N/R (PPPPX) |
| PIMCO RAE US Small Fund Institutional Class N/R (PCFIX) |
| Calvert Calvert Bond Fund Class R6 N/R (CBDIX) |
| PGIM PGIM High Yield Fund Class R6 N/R (PHYEX) |
| Calvert Calvert US Large Cap Core Responsible Index Class R6 N/R (CISIX) |
| BlackRock Mid-Cap Growth Equity Portfolio Class K N/R (CMGIX) |
| Fidelity Freedom Index Income Fund Premium Class N/R (FFGZX) |
| American Funds The Bond Fund of America Class R-6 N/R (FBOFX) |
| American Funds Inflation Linked Bond Fund Class R-6 N/R (BFICX) |
| BlackRock International K N/R (BISIX) |
| Cohen & Steers Cohen & Steers U.S. Realty Fund Class P N/R |
| from 4.25% to 9.50%, maturing through August |
Investment model portfolios
We provide two types of investment model portfolios for CITYBLOCK 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 CITYBLOCK 401(K) PLAN