Investment options of DMLO 401K RETIREMENT PLAN
Total Available Funds: 29
| Investment Option List |
|---|
| American Funds 2025 Target Date (REDTX) |
| Vanguard Vanguard |
| American Funds 2040 Target Date (REGTX) |
| American Funds 2035 Target Date (REFTX) |
| JP Morgan JP Morgan Large Cap Growth R6 (SNIGX) |
| Vanguard Mid Cap (VIMSX) |
| JP Morgan JP Morgan US Equity Fund |
| Dimensional Fund Advisors DFA US Small Cap Fund (DISVX) |
| American Funds New Prspctve Fd (HVWBX) |
| American Funds 2050 Target Date (REITX) |
| American Funds Amer Funds Wash Mutl Invs Fund |
| American Funds 2055 Target Date (FAJTX) |
| American Funds 2045 Target Date (REHTX) |
| American Funds 2060 Target Date (CCKTX) |
| Ishares IShares Mscieafe International Index (BTMPX) |
| PIMCO Income Fund (PFIIX) |
| Baird Baird Aggregate Bond Fund (BAGIX) |
| American Funds 2030 Target Date (REETX) |
| American Century Mid Cp Val Fd |
| Vanguard Wellington Fund (VWENX) |
| Vanguard Information Tech Indx Fund (VITAX) |
| PIMCO Gbl Bd Opp US DlrHgd Fd |
| Dimensional Fund Advisors DFA Infl-Prot Secs Fd |
| Thornburg Thornburg Developing World Fd (THDCX) |
| MassMutual MassMutual Mid Cap Growth Fund (MEFYX) |
| American Funds 2065 Target Date (FBMTX) |
| PIMCO Invest Grad Crdt Bd Fd |
| Vanguard Health Care Fund (VGHCX) |
| MassMutual Guaranteed Interest Account |
Investment model portfolios
We provide two types of investment model portfolios for DMLO 401K 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 DMLO 401K RETIREMENT PLAN