Investment options of CUSTOM DECORATORS, INC. 401(K) PLAN
Total Available Funds: 33
| Investment Description |
|---|
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| HTFD INTL OPPORTUNITIES R6 |
| VIRTUS MID CAP VALUE EQ R6 |
| FIDELITY FREEDOM 2060 FUND – K |
| TRO SPEC MODGRTH ALLOC I |
| FIDELITY FREEDOM 2025 FUND – K |
| FID US BOND IND |
| AQR LG CAP DEFENSIVE STYLE R6 |
| FIDELITY LOW PRICED STOCK K |
| JPM MORTGAGE BACKED SEC R6 |
| FIDELITY FREEDOM 2040 FUND – K |
| FID SMALL CAP INDEX |
| INVESCO DIVERSIFIED DIV R6 |
| PGIM HIGH YIELD FUND R6 |
| FIDELITY FREEDOM 2055 FUND – K |
| FID EXT MRKT INDEX |
| FIDELITY FREEDOM 2035 FUND – K |
| FIDELITY FREEDOM 2045 FUND – K |
| COLUMBIA SELECT MID CAP GR I3 |
| FID 500 IND |
| FIDELITY FREEDOM 2020 FUND – K |
| FIDELITY FREEDOM 2015 FUND – K |
| FIDELITY CONTRAFUND – K |
| FID GLOBAL EX US INDEX |
| FIDELITY FREEDOM 2050 FUND – K |
| FIDELITY GOVERNMENT MONEY MRKT |
| MACQUARIE SMALL CAP VALUE R6 |
| TRPRICE INTL STOCK FD I |
| FIDELITY FREEDOM INCOME – K |
| FIDELITY BALANCED FUND – K |
| OAKMARK INTERNATIONAL INST |
| FIDELITY FREEDOM 2030 FUND – K |
Investment model portfolios
We provide two types of investment model portfolios for CUSTOM DECORATORS, 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 CUSTOM DECORATORS, INC. 401(K) PLAN