Investment options of DATUM SOFTWARE 401(K) PLAN
Total Available Funds: 65
| Investment Description |
|---|
| State Street Bank & Trust Co. State Street Russ SC IDX VI |
| State Street Bank & Trust Co. State Street S&P 500 IDX VIII |
| State Street Bank & Trust Co. State Street S&P MD CP IDX NL G |
| State Street Bank & Trust Co. State Street Reit IDX NLS G |
| State Street Bank & Trust Co. State Street Cons Str Bal SLS VII |
| State Street Bank & Trust Co. State Street Mod Str Bal SLS VII |
| State Street Bank & Trust Co. State Street Agg Str Bal SLS VII |
| American Funds New Perspective R3 |
| American Funds 2020 Target Date Retirement R3 |
| American Funds 2025 Target Date Retirement R3 |
| American Funds 2030 Target Date Retirement R3 |
| American Funds 2035 Target Date Retirement R3 |
| American Funds 2040 Target Date Retirement R3 |
| American Funds 2045 Target Date Retirement R3 |
| American Funds 2050 Target Date Retirement R3 |
| American Funds 2055 Target Date Retirement R3 |
| American Funds 2060 Target Date Retirement R3 |
| Columbia Overseas Value A |
| Columbia Balanced A |
| Columbia Dividend Income Fund A |
| Columbia Small Cap Index A |
| JPMorgan U.S. Equity Fund – Class R3 |
| Legg Mason ClearBridge Small Cap Growth Fund |
| Macquarie Macquarie Small Cap Value – A |
| MFS International Diversification R3 |
| Morgan Stanley Insight Fund A |
| Morgan Stanley Intl Advantage A |
| PGIM Investments PGIM High Yield Fund – Class A |
| T. Rowe Price Growth Stock Fund Adv |
| Touchstone Sands Tou Sands Cap Em Mk Gr A |
| Victory Victory Fund for Income A |
| Victory Victory Established Value – Class A |
| Virtus Mid-Cap Growth A |
| Participants from 5.25% – 10.50% on all outstanding notes. – |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| AMERFDS 2035 TARG DATE RET-R3 |
| MORGAN STANLEY INTL ADVTG A |
| AMER FUNDS NEW PERSPECTIVE-R3 |
| AMERFDS 2020 TARG DATE RET-R3 |
| AMERFDS 2045 TARG DATE RET-R3 |
| AMERFDS 2025 TARG DATE RET-R3 |
| AMERFDS 2055 TARG DATE RET-R3 |
| VICTORY ESTABLISHED VALUE A |
| PGIM HIGH YIELD – A |
| T.ROWE PRICE GR STOCK FD -ADV |
| AMF 2060 TARGET DATE RETIRE R3 |
| JPM US EQUITY FD R3 |
| TOU SANDS CAP EM MK GR A |
| COLUMBIA DIV INC FD – A |
| MACQUARIE SMALL CAP VALUE – A |
| CLEARBRIDGE SMALL CAP GROWTH A |
| AMERFDS 2040 TARG DATE RET-R3 |
| MFS INTL DIVERSIFICATION R3 |
| AMERFDS 2050 TARG DATE RET-R3 |
| COLUMBIA SM CAP IDX A |
| AMERFDS 2030 TARG DATE RET-R3 |
| VICTORY FUND FOR INCOME A |
| STATE ST RUSS SC IDX VI |
| STATE ST S&P 500 IDX VIII |
| STATE ST S&P MD CP IDX NL G |
| STATE ST REIT IDX NLS G |
| STATE ST CONS STR BAL SLS VII |
| STATE ST MOD STR BAL SLS VII |
| STATE ST AGG STR BAL SLS VII |
Investment model portfolios
We provide two types of investment model portfolios for DATUM SOFTWARE 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 DATUM SOFTWARE 401(K) PLAN