Investment options of CLEARPATH WORKFORCE MANAGEMENT 401(K) PLAN
Total Available Funds: 61
| Investment Description |
|---|
| Transamerica LifeGoal 2030 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2050 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2040 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2045 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2055 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2025 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2060 with BlackRock Retirement Account Fund |
| Transamerica American Funds Growth Fund of America Retirement Fund |
| Transamerica LifeGoal 2035 with BlackRock Retirement Account Fund |
| Transamerica Large Cap Retirement Fund |
| Transamerica Small Cap Retirement Fund |
| Transamerica Columbia Balanced Retirement Fund |
| Transamerica State Street Emerging Markets Index Retirement Fund |
| Transamerica Loomis Sayles Investment Grade Bond Retirement Fund |
| Transamerica American Funds SMALLCAP World Retirement Fund |
| Transamerica Invesco Main Street Mid Cap Retirement Account Fund |
| Transamerica Calvert Equity Retirement Fund |
| Transamerica American Funds New America Retirement Fund |
| Transamerica BlackRock Equity Dividend Retirement Fund |
| Transamerica Allspring Special Mid Cap Value Retirement Fund |
| Transamerica Loomis Sayles Bond Retirement Fund |
| Transamerica TA Asset Allocation – Growth Portfolio Retirement Fund |
| Transamerica Small/Mid Cap Value Retirement Fund |
| Transamerica High Yield Bond Retirement Fund |
| Transamerica TA Asset Allocation Moderate Portfolio Retirement Fund |
| Transamerica TA Asset Allocation Moderate Growth Portfolio Retirement Fund |
| Transamerica Fidelity Advisor Strategic Income Retirement Fund |
| Transamerica Aegon US Core Plus Retirement Account Fund |
| Transamerica TA Asset Allocation – Conservative Portfolio Retirement Fund |
| Transamerica International Growth Retirement Fund |
| Transamerica Invesco International Growth Retirement Fund |
| Transamerica American Funds EuroPacific Growth Fund |
| Transamerica Thornburg International Equity Retirement Fund |
| Transamerica PGIM Jennison Natural Resources Retirement Account |
| through September |
| Transamerica Financial Life Ins Co Aegon US Core Plus Ret Acct |
| Transamerica Financial Life Ins Co AllSpring Special Md cp Val Rt Acct |
| Transamerica Financial Life Ins Co American Fds EuroPacific Gr Ret |
| Transamerica Financial Life Ins Co American Fds New Persp Ret Acct |
| Transamerica Financial Life Ins Co American Fds SMALLCAP Wrld Ret |
| Transamerica Financial Life Ins Co BlackRock Eq Dividend Ret Acct |
| Transamerica Financial Life Ins Co Calvert Eq Portfolio Ret Acct |
| Transamerica Financial Life Ins Co Columbia Balanced Ret Acct |
| Transamerica Financial Life Ins Co Columbia Dividend Inc Ret Acct |
| Transamerica Financial Life Ins Co Fidelity Adv Strategic Inc Ret Acct |
| Transamerica Financial Life Ins Co Invesco Intl Gr Ret Acct |
| Transamerica Financial Life Ins Co Invesco Main Street Mid Cap Ret |
| Transamerica Financial Life Ins Co Loomis Sayles Bd Ret Acct |
| Transamerica Financial Life Ins Co Loomis Sayles Inv Grd Bd Ret Acct |
| Transamerica Financial Life Ins Co Lord Abbett Inc Ret Acct |
| Transamerica Financial Life Ins Co PGIM Jennison Natural Res Ret |
| Transamerica Financial Life Ins Co State Street Emerg Mkt Idx Ret Acct |
| Transamerica Financial Life Ins Co Thornburg Intl Val Ret Acct |
| Transamerica Financial Life Ins Co Trans asst allc-Cnsv Prtf Rt Acct |
| Transamerica Financial Life Ins Co Trans asst allc-Md Gr Prtf Rt Acct |
| Transamerica Financial Life Ins Co Transamer asst allc-Gr Prtf Rt Acct |
| Transamerica Financial Life Ins Co Transamer asst allc-Md Prtf Rt Acct |
| Transamerica Financial Life Ins Co Transamerica High Yield Bd Rt Acct |
| Transamerica Financial Life Ins Co Transamerica Intl Gr Ret Acct |
| Transamerica Financial Life Ins Co Transamerica LG 2065 BlackRock |
| Transamerica Financial Life Ins Co Transamerica Sm/Md cp Val Ret Acct |
Investment model portfolios
We provide two types of investment model portfolios for CLEARPATH WORKFORCE MANAGEMENT 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 CLEARPATH WORKFORCE MANAGEMENT 401(K) PLAN