Investment options of DECIBEL RESEARCH, INC. RETIREMENT PLAN
Total Available Funds: 37
| Investment Description |
|---|
| FIDELITY INVESTMENTS BROKERAGE COMMON STOCK |
| FIDELITY INVESTMENTS BROKERAGE CASH |
| FIDELITY INVESTMENTS EXTERNAL FUND |
| FIDELITY INVESTMENTS FIDELITY FUND |
| WELLS FARGO CORE PLUS BOND FUND CLASS A |
| ALLIANCEBERNSTEIN LARGE CAP GROWTH FUND CLASS A |
| COLUMBIA DIVIDEND INCOME FUND CLASS A |
| COLUMBIA THERMOSTAT FUND CLASS A |
| AMERICAN FUNDS NEW WORLD FUND CLASS R4 |
| BLACKROCK 20/80 TARGET ALLOCATION FUND INVESTOR A SHARES |
| BLACKROCK MID CAP GROWTH EQUITY INV A |
| PIMCO INCOME FUND ADMINISTRATIVE CLASS |
| COHEN & STEERS REAL ESTATE SECURITIES FUND, INC. CLASS I |
| FIRST EAGLE GOLD FUND CLASS R6 |
| VIRTUS SMALL CAP GROWTH FUND CLASS A |
| THORNBURG LIMITED TERM INCOME FUND R4 |
| VICTORY HIGH YIELD CLASS A |
| FIDELITY INVESTMENTS INTERNATIONAL CAPITAL APPRECIATION FUND CLASS A |
| FIDELITY INVESTMENTS GROWTH OPPORTUNITIES FUND- CLASS A |
| FIDELITY INVESTMENTS INTERNATIONAL INDEX FUND |
| FIDELITY INVESTMENTS 500 INDEX FUND |
| FIDELITY INVESTMENTS U.S. BOND INDEX FUND |
| FIDELITY INVESTMENTS MID CAP INDEX FUND |
| FIDELITY INVESTMENTS SMALL CAP INDEX FUND |
| FIDELITY INVESTMENTS GOVERNMENT MONEY MARKET FUND |
| FIDELITY INVESTMENTS FREEDOM 2005 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2010 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2020 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2025 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2030 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2035 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2040 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2045 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2050 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2055 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2060 CLASS I |
| FIDELITY INVESTMENTS FREEDOM 2065 CLASS I |
Investment model portfolios
We provide two types of investment model portfolios for DECIBEL RESEARCH, INC. RETIREMENT 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 DECIBEL RESEARCH, INC. RETIREMENT PLAN