Investment options of EASY STEP ENTERPRISES, LLC 401(K) PLAN
Total Available Funds: 26
| Investment Description |
|---|
| Allspg Spec MdCp Vl Fd R6 Registered Investment Company |
| American Funds 2015 T Date R6 Registered Investment Company |
| American Funds 2020 T Date R6 Registered Investment Company |
| American Funds 2025 T Date R6 Registered Investment Company |
| American Funds 2030 T Date R6 Registered Investment Company |
| American Funds 2035 T Date R6 Registered Investment Company |
| American Funds 2040 T Date R6 Registered Investment Company |
| American Funds 2045 T Date R6 Registered Investment Company |
| American Funds 2050 T Date R6 Registered Investment Company |
| American Funds 2055 T Date R6 Registered Investment Company |
| American Funds 2060 T Date R6 Registered Investment Company |
| American Funds 2065 T Date R6 Registered Investment Company |
| American Funds 2070 R6 Registered Investment Company |
| Carillon Eagle Mid Cap Grw R6 Registered Investment Company |
| DFA US Targeted Vl Port Ins Registered Investment Company |
| Fid US Bd Id Fd Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company |
| Fidelity Mid Cap Idx Fd Registered Investment Company |
| Fidelity Sm Cp Ind Fd Registered Investment Company |
| Fidelity Tot Intl Idx Fund Registered Investment Company |
| Hartford Schrdrs Intl Stck SDR Registered Investment Company |
| JPMorgan Core Plus Bond Fnd R6 Registered Investment Company |
| JPMorgan LgCp Grw Fnd R6 Registered Investment Company |
| Neuberg Berm Sm Cp Grw Fnd R6 Registered Investment Company |
| Putnam Lrg Cp Val Fd – Cl R6 Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for EASY STEP ENTERPRISES, LLC 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 EASY STEP ENTERPRISES, LLC 401(K) PLAN