Investment options of CONCURRENT HRO 401(K) PLAN
Total Available Funds: 38
| Investment Description |
|---|
| FOR THE PLAN YEAR ENDED DECEMBER 31, |
| American Funds Bond Fund of America |
| American Funds New World Fund |
| BlackRock iShares Russell 2000 SM Cap Index |
| Charles Schwab Trust Bank Charles Schwab Bank PCRA |
| Delaware Group Delaware Small Cap Value R6 |
| Fidelity Advisor Technology Fund |
| Fidelity Advisor Fidelity Select Energy Portfolio |
| Franklin Utilities RD CL R6 |
| Invesco Oppenheimer Discovery R6 |
| Invesco Gold & Special Minerals |
| Janus Henderson Global Life Sci Fd |
| Janus Henderson Global Equity Income Fd |
| JP Morgan JPMorgan Mid Cap Growth R6 |
| JP Morgan JPMorgan Large Cap Growth R6 |
| MFS Value Fund CL R6 |
| Schwab Schwab US Treasury Money Fund |
| SPDR SPDR Gold Shares |
| Vanguard Vanguard |
| Vanguard HI-Yield Corp Fd |
| Vanguard Financials |
| Vanguard Inflation-Protectd Secs Fd |
| Vanguard International Growth Fund |
| Vanguard Materials |
| Vanguard Mid Cap Index Fund Admiral |
| Vanguard Mid-Cap Value |
| Vanguard Short-Term Federal Fund |
| Vanguard Shrt-Trm Corp Bd Indx Fd |
| Vanguard Inst Target Retirement Income |
| Vanguard Target Retirement 2025 Fd |
| Vanguard Target Retirement 2030 Fd |
| Vanguard Target Retirement 2035 Fd |
| Vanguard Target Retirement 2040 Fd |
| Vanguard Target Retirement 2045 Fd |
| Vanguard Target Retirement 2050 Fd |
| Vanguard Target Retirement 2055 Fd |
| Vanguard Vangaurd Target Retirement 2060 Fd |
| Vanguard Target Retirement 2065 Fd |
Investment model portfolios
We provide two types of investment model portfolios for CONCURRENT HRO 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 CONCURRENT HRO 401(K) PLAN