Investment options of DAAR ENGINEERING, INC. 401(K) PROFIT SHARING PLAN & TRUST
Total Available Funds: 26
| Investment Description |
|---|
| GLOBAL FUND |
| INTERNATIONAL INTRINSIC VALUE A |
| GLOBAL REAL ESTATE R4 |
| INTERNATIONAL EQUITY A |
| DEVELOPED MARKETS INDEX ADMIRAL |
| EMERGING MARKETS A |
| ENHANCED COMMODITY STRATEGY A |
| UTILITIES A |
| REAL ESTATE SECURITIES A |
| TRITON A |
| UNDISCOVERED MANAGERS BEHAVIORAL VAL R5 |
| SMALL CAP INDEX ADM |
| ENTERPRISE A |
| MID CAP INDEX FUND - ADMIRAL |
| ESTABLISHED VALUE A |
| AMERICAN MUTUAL R4 |
| BLUE CHIP GROWTH |
| 500 INDEX ADMIRAL |
| INFLATION PROTECTED BOND INV A |
| GOVERNMENT BOND R3 |
| HIGH YIELD A |
| INCOME FUND CLASS A |
| GLOBAL TOTAL RETURN R4 |
| ASSET CORE BOND A |
| ASSET CORE PLUS BOND A |
| TREASURY MONEY MARKET INV |
Investment model portfolios
We provide two types of investment model portfolios for DAAR ENGINEERING, INC. 401(K) PROFIT SHARING PLAN & TRUST 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 DAAR ENGINEERING, INC. 401(K) PROFIT SHARING PLAN & TRUST