Investment options of CUSTOMIZED ENERGY SOLUTIONS, LTD 401(K) PLAN
Total Available Funds: 40
| Investment Description |
|---|
| Charles Schwab Schwab Bank Savings |
| American Funds American Fd Growth Fd of America |
| American Funds American Fd Target Date Ret 2020 |
| American Funds American Fd Target Date Ret 2025 |
| American Funds American Fd Target Date Ret 2030 |
| American Funds American Fd Target Date Ret 2035 |
| American Funds American Fd Target Date Ret 2040 |
| American Funds American Fd Target Date Ret 2045 |
| American Funds American Fd Target Date Ret 2050 |
| American Funds American Fd Target Date Ret 2055 |
| American Funds American Fd Target Date Ret 2060 |
| American Funds American Balanced |
| American Funds Europacific Growth |
| American Funds Inc Fund of America |
| American Funds Invmt Co of America |
| American Funds New Perspective |
| American Funds Smallcap World Fd |
| American Funds Washington Mutual |
| DFA Securities DFA Emerging Markets SM Cap Port Instl |
| DFA Securities DFA Interim Govt Fixed Inc Port Instl |
| Thornburg Thornburg Ltd Term Incm Fd CL r5 |
| Vanguard High-Yield Corporate Fd Admiral Sh |
| Blackrock Ishares MSCI USA Minimum Volatility |
| PIMCO Investment Grad Corp BD ETF |
| Invesco Powershares Preferred ETF |
| Invesco Powershares QQQ Trust |
| Blackrock Ishares MSCI EAFE ETF |
| Blackrock Ishares Russell Top 200 Growth ETF |
| Blackrock Ishares 20+ Year Treasury Bond ETF |
| Blackrock Ishares 7-10 Year Treasury Bond ETF |
| Charles Schwab Schwab Emerging Markets Equity ETF |
| Charles Schwab Schwab International |
| Charles Schwab Schwab Short-Term US Treasury ETF |
| Charles Schwab Schwab US Aggregate Bond ETF |
| Charles Schwab Schwab US Large-Cap Growth ETF |
| SSGA SPDR S&P 500 ETF |
| Vanguard Long Term Cor Bd ETF |
| Vanguard Small Cap Growth ETF |
| Vanguard Small Cap Value ETF |
| Vanguard Value ETF |
Investment model portfolios
We provide two types of investment model portfolios for CUSTOMIZED ENERGY SOLUTIONS, LTD 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 ENERGY SOLUTIONS, LTD 401(K) PLAN