Investment options of COMMONWEALTH FINANCIAL NETWORK 401K P/S PLAN
Total Available Funds: 39
| Investment Description |
|---|
| FID 500 INDEX MUTUAL FUND |
| MS W LARGE CAP GR R6 MUTUAL FUND |
| FID FREEDOM 2040 K6 MUTUAL FUND |
| FID FREEDOM 2050 K6 MUTUAL FUND |
| FID FREEDOM 2045 K6 MUTUAL FUND |
| FID FREEDOM 2055 K6 MUTUAL FUND |
| FID FREEDOM 2035 K6 MUTUAL FUND |
| ABF LG CAP VALUE R6 MUTUAL FUND |
| AF EUROPAC GROWTH R6 MUTUAL FUND |
| FID TOTAL MKT IDX MUTUAL FUND |
| FID NASDAQ COMP INDX MUTUAL FUND |
| VANG VMMR-FED MMKT MONEY MARKET FUND |
| FID FREEDOM 2030 K6 MUTUAL FUND |
| JPM MID CAP GRTH R6 MUTUAL FUND |
| FID BALANCED K6 MUTUAL FUND |
| MFS INTL GROWTH R6 MUTUAL FUND |
| FID EXTD MKT IDX MUTUAL FUND |
| WASATCH SM CAP GR IS MUTUAL FUND |
| VI SM-CAP VAL R6 MUTUAL FUND |
| FID FREEDOM 2060 K6 MUTUAL FUND |
| FID TOTAL BOND K6 MUTUAL FUND |
| MFS MID CAP VALUE R6 MUTUAL FUND |
| FID SM CAP IDX MUTUAL FUND |
| HTFD SCHR EMG MK SDR MUTUAL FUND |
| FID FREEDOM 2025 K6 MUTUAL FUND |
| PIMCO INCOME INST MUTUAL FUND |
| FID INTL INDEX MUTUAL FUND |
| FID US BOND IDX MUTUAL FUND |
| BLRK GLOBAL ALLOC K MUTUAL FUND |
| COL CONTRAN CORE I3 MUTUAL FUND |
| MS MK HY CORP BD R6 MUTUAL FUND |
| FID EMRG MKTS IDX MUTUAL FUND |
| MORLEY STABLE VALUE COMMON COLLECTIVE TRUST |
| ABF INTL EQUITY R6 MUTUAL FUND |
| PIF GLB RL EST R6 MUTUAL FUND |
| PIM LOW DUR INST MUTUAL FUND |
| HTFD WORLD BOND R6 MUTUAL FUND |
| C& S REALTY SHARES Z MUTUAL FUND |
| ALPS/CCM CMP CMD I MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for COMMONWEALTH FINANCIAL NETWORK 401K P/S 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 FINANCIAL NETWORK 401K P/S PLAN