Investment options of CONSULTING SOLUTIONS 401(K) PLAN
Total Available Funds: 42
| Investment Description |
|---|
| FID GOVT MMKT K6 |
| FID 500 INDEX |
| TRP RETIREMENT 2050 |
| TRP RETIREMENT 2035 |
| TRP RETIREMENT 2045 |
| TRP RETIREMENT 2030 |
| TRP RETIREMENT 2055 |
| TRP RETIREMENT 2040 |
| TRP RETIREMENT 2025 |
| TRP RETIREMENT 2060 |
| TRP RETIREMENT 2020 |
| FID MID CAP IDX |
| MFS MID CAP GRTH R6 |
| JPM SM CAP GROWTH R6 |
| FID SM CAP IDX |
| MFS GROWTH ALLOC R4 |
| GS US INS EQ R6 |
| FID INTL INDEX |
| MFS AGGR GR ALLOC R4 |
| BLKRK ENERGY OPPS I |
| PGIM HIGH YIELD R6 |
| TRP RETIREMENT 2065 |
| FID US BOND IDX |
| GS SM CP VAL INS R6 |
| MFS MOD ALLOC R4 |
| TRP INTL DISCOVERY I |
| FA STK SEL SM CAP Z |
| J H OVERSEAS N |
| TRP RETIREMENT 2015 |
| TRP OVERSEAS STOCK I |
| P a g e | |
| TRP RETIREMENT 2005 |
| TRP RETIREMENT 2010 |
| MM INFL PRO & INC I |
| MFS CONSERV ALLOC R4 |
| LRG CAP GRTH III R1 |
| CORE PLUS BOND R1 |
| LARGE CAP VAL III R1 |
| MID CAP VALUE R1 |
| GG EMERG MKTS II R1 |
| INTL GROWTH II R1 |
| Notes receivable from participants (4.25%-9.50%) |
Investment model portfolios
We provide two types of investment model portfolios for CONSULTING SOLUTIONS 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 CONSULTING SOLUTIONS 401(K) PLAN