Investment options of CSRS, INC. PROFIT SHARING 401(K) PLAN
Total Available Funds: 23
| Investment Description |
|---|
| SCHWAB BANK SAVINGS MMDA MONEY MARKET |
| ALLSPRING DIVERSIFIED INT REGISTERED INVESTMENT |
| C & S REALTY SHARES REGISTERED INVESTMENT |
| CARILLON EAGLE MID CAP GROWTH R6 REGISTERED INVESTMENT |
| COLUMBIA DIVIDEND INCOME REGISTERED INVESTMENT |
| COLUMBIA SMALL CAP GROWTH REGISTERED INVESTMENT |
| COLUMBIA SMALL CAP VALUE II REGISTERED INVESTMENT |
| FIDELITY BLUE CHIP GROWTH REGISTERED INVESTMENT |
| JP MORGAN EMERGING MARKETS EQ REGISTERED INVESTMENT |
| NORTHERN MID CAP INDEX REGISTERED INVESTMENT |
| SCHWAB S& 500 INDEX S REGISTERED INVESTMENT |
| THOMPSON BOND REGISTERED INVESTMENT |
| VANGUARD SMALL CAP IDX A REGISTERED INVESTMENT |
| VANGUARD TARGET RETIRE 2020 REGISTERED INVESTMENT |
| VANGUARD TARGET RETIRE 2025 REGISTERED INVESTMENT |
| VANGUARD TARGET RETIRE 2030 REGISTERED INVESTMENT |
| VANGUARD TARGET RETIRE 2035 REGISTERED INVESTMENT |
| VANGUARD TARGET RETIRE 2040 REGISTERED INVESTMENT |
| VANGUARD TARGET RETIRE 2045 REGISTERED INVESTMENT |
| VANGUARD TARGET RETIRE 2050 REGISTERED INVESTMENT |
| VANGUARD TARGET RETIRE 2055 REGISTERED INVESTMENT |
| VANGUARD TARGET RETIRE 2060 REGISTERED INVESTMENT |
| VICTORY SYCAMORE EST VALUE R6 REGISTERED INVESTMENT |
Investment model portfolios
We provide two types of investment model portfolios for CSRS, INC. PROFIT SHARING 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 CSRS, INC. PROFIT SHARING 401(K) PLAN