Investment options of COMMONWEALTH ENGINEERS, INC. SAVINGS PLAN
Total Available Funds: 53
| Investment Option List |
|---|
| Fidelity 500 Index (FUSEX) |
| Vanguard US Growth ADM (VTGLX) |
| Vanguard Equity-Income ADM (VEIPX) |
| Vanguard Target Retirement 2040 INV (VTOVX) |
| Fidelity Small Cap Index (FSISX) |
| American Funds Europacific GR R6 (FEPUX) |
| Vanguard Target Retirement 2035 INV (VTTHX) |
| Fidelity US Bond Index (FSHBX) |
| JP Morgan JPMorgan Mid Cap Growth R6 (HLGEX) |
| Vanguard Target Retirement 2050 INV (VTOVX) |
| Fidelity Mid Cap Index (FIIMX) |
| Fidelity Small Cap Growth K6 (FCIGX) |
| Vanguard Target Retirement 2060 INV (VTOVX) |
| Allspring Allspring Special Mid Cap Value R6 (SMCDX) |
| Vanguard Target Retirement 2055 INV (VTOVX) |
| Vanguard Target Retirement 2045 INV (VTIVX) |
| Vanguard Target Retirement 2020 INV (VTOVX) |
| Vanguard Target Retirement 2030 INV (VTOVX) |
| American Funds American Balanced R6 (GBLAX) |
| Vanguard Target Retirement 2025 INV (VTOVX) |
| Vanguard Target Retirement 2065 INV (VSXFX) |
| American Beacon Funds American Beacon Small Cap Value R6 (AASVX) |
| Empower Financial Services, Inc. Empower SDB |
| Empower Financial Services, Inc. Empower SDB Roth |
| 1VTWNX 331,389.74 |
| 1VTTVX 176,123.33 |
| 1VTHRX 274,777.61 |
| 1VTTHX 959,597.54 |
| 1VFORX 1,413,593.11 |
| 1VTIVX 323,040.32 |
| 1VFIFX 603,079.26 |
| 1VFFVX 379,269.86 |
| 1VTTSX 415,418.64 |
| 1VLXVX 96,148.80 |
| 1RERGX 1,159,130.26 |
| 1VTIAX 1,452,795.15 |
| 1DFREX 134,284.38 |
| 1AASRX 101,630.77 |
| 1FOCSX 436,862.17 |
| 1FSSNX 994,483.28 |
| 1FSMDX 477,480.61 |
| 1JMGMX 880,325.67 |
| 1WFPRX 454,084.78 |
| 1FXAIX 2,473,376.32 |
| 1VEIRX 1,740,525.35 |
| 1VWUAX 1,906,166.89 |
| 1RLBGX 232,490.65 |
| 1FXNAX 1,103,308.34 |
| 1PTRQX 139,353.19 |
| 1SDBEMP 68,687.21 |
| 1SDBEMR 61,551.99 |
| 1GWAQ30 1.700 253,243.40 |
| FORFEITURES 28,016.19 |
Investment model portfolios
We provide two types of investment model portfolios for COMMONWEALTH ENGINEERS, INC. SAVINGS 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 COMMONWEALTH ENGINEERS, INC. SAVINGS PLAN