Investment options of CYBERDATA TECH 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| AB GLOBAL BOND FUND CLASS A |
| AMERICAN FUNDS INVESTMENT COMPANY OF AMERICA |
| AMERICAN FUNDS MORTGAGE FUND CLASS R4 |
| AMERICAN FUNDS NEW WORLD FUND |
| BNY MELLON OPPORTUNISTIC MIDCAP VALUE FUND |
| C& S REAL ESTATE FUND |
| CLEARBRIDGE LARGE CAP GROWTH FUND |
| COLOMBIA MID CAP INDEX FUND |
| EATON VANCE INCOME FUND OF BOSTON |
| FEDERATED HIGH YIELD TRUST |
| FIDELITY 500 INDEX FUND |
| FIDELITY ADVISOR FREEDOM INCOME FUND |
| FIDELITY ADVISOR FREEDOM GROWTH FUND |
| FIDELITY GLOBAL EX US INDEX INVESTOR FUND |
| FIDELITY GOVERNMENT INCOME FUND |
| FIDELITY INTERNATIONAL GROWTH FUND |
| FIDELITY US BOND INDEX INVESTOR FUND |
| INVESCO DIVERSIFIED DIVIDEND FUND |
| JANUS HENDERSON ENTERPRISE FUND CLASS S |
| JANUS HENDERSON TRITON FUND CLASS S |
| JP MORGAN U. S. RESEARCH ENHANCED INDEX EQUITY FUND |
| JP MORGAN U.S. SMALL COMPANY FUND |
| LAZARD INTERNATIONAL STRATEGIC EQUITY FUND |
| LOOMIS SAYLES CORE PLUS BOND FUND |
| LORD ABBOTT GROWTH LEADERS FUND |
| MFS EMERGING MARKETS DEBT R3 FUND |
| PRINCIPAL SMALL CAP S&P 600 INDEX |
| VICTORIA RS SMALL CAP GROWTH FUND |
| WELLS FARGO SPECIAL MID CAP VALUE ADMIN FUND |
| WELLS FARGO SPECIAL SMALL CAP VALUE FUND |
Investment model portfolios
We provide two types of investment model portfolios for CYBERDATA TECH 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 CYBERDATA TECH 401(K) PLAN