Investment options of CUSTOMIZED DISTRIBUTION SERVICES, INC. 401(K) PLAN
Total Available Funds: 23
| Investment Description |
|---|
| Af Europac Growth R6 5,534 |
| Af Trgtdate 2010 R5e 30,000 |
| Af Trgtdate 2015 R5e 2,912 |
| Af Trgtdate 2020 R5e 6,409 |
| Af Trgtdate 2025 R5e 12,149 |
| Af Trgtdate 2030 R5e 24,153 |
| Af Trgtdate 2035 R5e 12,383 |
| Af Trgtdate 2040 R5e 31,947 |
| Af Trgtdate 2045 R5e 14,609 |
| Af Trgtdate 2050 R5e 16,346 |
| Af Trgtdate 2055 R5e 4,985 |
| Af Trgtdate 2060 R5e 2,538 |
| Am Cent Smcap Val R6 3,960 |
| As Spl Mid Cp Val Is 4,505 |
| Fid 500 Index 15,414 |
| Fid Mid Cap Idx 846 |
| Fid Sm Cap Idx 390 |
| Invs Intl Bond Y 349 |
| Jpm Emrg Mkts Eq R6 6,840 |
| Jpm Mid Cap Grth R5 3,640 |
| Mfs Value R3 10,464 |
| Pioneer Fdmtl Grth Y 12,364 |
| Series I Class 0 691 |
Investment model portfolios
We provide two types of investment model portfolios for CUSTOMIZED DISTRIBUTION SERVICES, 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 CUSTOMIZED DISTRIBUTION SERVICES, INC. 401(K) PLAN