Investment options of CONCRETE EXPRESS, INC. 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| LINCOLN - CITIBANK MONEY MARKET |
| ISHARES S&P 500 INDEX K MUTUAL FUND |
| RELIANCE METLIFE SERIES 25157 CL MUTUAL FUND |
| STATE STREET SMALL/MID CAP EQUITY IDX K MUTUAL FUND |
| STATE STREET TARGET RETIREMENT 2025 MUTUAL FUND |
| STATE STREET TARGET RETIREMENT 2030 MUTUAL FUND |
| STATE STREET TARGET RETIREMENT 2035 MUTUAL FUND |
| STATE STREET TARGET RETIREMENT 2040 MUTUAL FUND |
| STATE STREET TARGET RETIREMENT 2045 MUTUAL FUND |
| STATE STREET TARGET RETIREMENT 2050 MUTUAL FUND |
| STATE STREET TARGET RETIREMENT 2055 MUTUAL FUND |
| STATE STREET TARGET RETIREMENT 2060 MUTUAL FUND |
| STATE STREET TARGET RETIREMENT K MUTUAL FUND |
| VANGUARD BALANCED INDEX ADM MUTUAL FUND |
| VANGUARD GROWTH INDEX ADMIRAL MUTUAL FUND |
| VANGUARD HIGH-YIELD CORPORATE ADM MUTUAL FUND |
| VANGUARD INTERIM-TERM BOND ETF MUTUAL FUND |
| VANGUARD MATERIALS INDEX ADMIRAL MUTUAL FUND |
| SPDR PORTFOLIO DEVELOPED WLD EX-US ETF MUTUAL FUND |
| SPDR PORTFOLIO EMERGING MARKETS ETF MUTUAL FUND |
| VANGUARD VALUE INDEX ADM MUTUAL FUND |
| VANGUARD SMALL-CAP INDEX ADM MUTUAL FUND |
| VANGUARD MID-CAP VALUE ETF MUTUAL FUND |
| GROWSTRONG MANAGED RISK CONSERVATIVE COMMON/COLLECTIVE TRUST |
| GROWSTRONG MANAGED RISK GROWTH COMMON/COLLECTIVE TRUST |
| GROWSTRONG MANAGED RISK MODERATE COMMON/COLLECTIVE TRUST |
| GROWSTRONG MANAGED RISK MODERATE CO COMMON/COLLECTIVE TRUST |
| GROWSTRONG MANAGED RISK MODERATE GR COMMON/COLLECTIVE TRUST |
Investment model portfolios
We provide two types of investment model portfolios for CONCRETE EXPRESS, INC. 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 CONCRETE EXPRESS, INC. 401(K) PLAN