Investment options of DELTA SYSTEMS, INC. 401(K) PLAN
Total Available Funds: 24
| Investment Option List |
|---|
| American Funds Service Co. American Funds Bond Fund of America R6 |
| American Funds Service Co. American Funds New World R6 Fund (HVWBX) |
| American Funds Service Co. American Funds Target Date Retirement 2010 R6 Fund (REATX) |
| American Funds Service Co. American Funds Target Date Retirement 2015 R6 Fund (REJTX) |
| American Funds Service Co. American Funds Target Date Retirement 2020 R6 Fund (RECTX) |
| American Funds Service Co. American Funds Target Date Retirement 2025 R6 Fund (REDTX) |
| American Funds Service Co. American Funds Target Date Retirement 2030 R6 Fund (REETX) |
| American Funds Service Co. American Funds Target Date Retirement 2035 R6 Fund (REFTX) |
| American Funds Service Co. American Funds Target Date Retirement 2040 R6 Fund (REGTX) |
| American Funds Service Co. American Funds Target Date Retirement 2045 R6 Fund (REHTX) |
| American Funds Service Co. American Funds Target Date Retirement 2050 R6 Fund (REITX) |
| American Funds Service Co. American Funds Target Date Retirement 2055 R6 Fund (FAJTX) |
| American Funds Service Co. American Funds Target Date Retirement 2060 R6 Fund (CCKTX) |
| American Funds Service Co. American Funds Target Date Retirement 2065 R6 Fund (FBMTX) |
| Eaton Vance Atlanta Capital SMID-Cap R6 (EISMX) |
| Fidelity Investments Fidelity |
| Fidelity Investments Fidelity Advisor Equity Growth Z Fund (EQPGX) |
| Fidelity Investments Fidelity International (FDIVX) |
| Fidelity Investments Fidelity Mid-Cap |
| Hartford Funds Management Co. Hartford Schroders International Stock Fund Class I (SCIEX) |
| JP Morgan Funds JP Morgan US Equity R6 Fund |
| MassMutual MassMutual Small Cap Opportunities Fund Class I (MSCDX) |
| MassMutual MassMutual Premier High Yield I Fund |
| Vanguard Group Vanguard Equity-Income Admiral Fund (VEIPX) |
Investment model portfolios
We provide two types of investment model portfolios for DELTA SYSTEMS, INC. 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 DELTA SYSTEMS, INC. 401(K) PLAN