Investment options of CONFLUENCE 401(K) PLAN
Total Available Funds: 24
| Investment Description |
|---|
| FIDELITY FIDELITY 500 INDEX |
| FIDELITY FIDELITY BLUE CHIP GROWTH K6 |
| PUTNAM INVESTMENTS PUTNAM LARGE CAP VALUE R6 |
| VANGUARD VANGUARD BALANCED INDEX ADM |
| FIDELITY FIDELITY INTERNATIONAL INDEX |
| FIDELITY FIDELITY INTERMEDIATE BOND |
| MFS MFS MID CAP VALUE R6 |
| DFA DFA US TARGETED VALUE I |
| FIDELITY FIDELITY MID CAP INDEX |
| VICTORY VICTORY TRIVALENT INTERNATIONAL SM-CP I |
| FIDELITY FIDELITY ADVISOR DIVERSIFIED INTL Z |
| AMERICAN CENTURY AMERICAN CENTURY SMALL CAP GROWTH R6 |
| FIDELITY FIDELITY EMERGING MARKETS INDEX |
| FIDELITY FIDELITY TOTAL BOND MARKET INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD LONG-TERM TREASURY FUND INVESTOR SHARES |
| VANGUARD VANGUARD INFLATION-PROTECTED SECURITIES FUND INVESTOR SHARES |
| VANGUARD VANGUARD GNMA FUND INVESTOR SHARES |
| VANGUARD VANGUARD SMALL-CAP VALUE INDEX FUND ETF SHARES |
| ARK ARK FINTECH INNOVATION ETF |
| VANECK VECTORS VANECK VECTORS GOLD MINERS ETF |
| VANECK VECTORS VANECK VECTORS JUNIOR GOLD MINERS ETF |
| SPROTT INC. SPROTT PHYSICAL GOLD TRUST |
| SPDR SPDR PORTFOLIO LONG TERM TREASURY ETF |
| BLACKROCK BLACKROCK MIDCAP GROWTH EQUITY FD CL L1 |
Investment model portfolios
We provide two types of investment model portfolios for CONFLUENCE 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 CONFLUENCE 401(K) PLAN