Investment options of EDIFECS 401(K) PLAN
Total Available Funds: 56
| Investment Description |
|---|
| American Funds 2010 Target Date Ret – R6 Registered Investment Company |
| American Funds 2015 Target Date Ret – R6 Registered Investment Company |
| American Funds 2020 Target Date Ret – R6 Registered Investment Company |
| American Funds 2025 Target Date Ret – R6 Registered Investment Company |
| American Funds 2030 Target Date Ret – R6 Registered Investment Company |
| American Funds 2035 Target Date Ret – R6 Registered Investment Company |
| American Funds 2040 Target Date Ret – R6 Registered Investment Company |
| American Funds 2045 Target Date Ret – R6 Registered Investment Company |
| American Funds 2050 Target Date Ret – R6 Registered Investment Company |
| American Funds EuroPacific Growth Fund – R6 Registered Investment Company |
| Calamos Timpani Small Cap Growth Fund – R6 Registered Investment Company |
| DFA Inflation-Protected Securities Portfolio – Institutional Registered Investment Company |
| DFA International Core Equity 2 Portfolio – Institutional Registered Investment Company |
| Fidelity Advisor Value Strategies – K Registered Investment Company |
| JPMorgan U.S. Research Enhanced Equity Fund – R6 Registered Investment Company |
| Nuveen International Eq Index Fund – R6 Registered Investment Company |
| Putnam Large Cap Growth Fund – R6 Registered Investment Company |
| Putnam Large Cap Value Fund – R6 Registered Investment Company |
| Vanguard 500 Index Fund – Admiral Registered Investment Company |
| Vanguard Balanced Index Fund – Admiral Registered Investment Company |
| Vanguard Intermediate Term Bond Index Fund Registered Investment Company |
| Vanguard Mid Cap Growth Index Fund – Admiral Registered Investment Company |
| Vanguard Mid-Cap Index Fund – Admiral Registered Investment Company |
| Vanguard Small Cap Index Fund – Admiral Registered Investment Company |
| Vanguard Small Cap Value Index Fund – Admiral Registered Investment Company |
| Vanguard Wellesley Income Fund – Admiral Registered Investment Company |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| AMERFUNDS 2020 TARG DATERET R6 |
| DFA INFLATION PROT SEC INST |
| CALAMOS TIMPANI SM CAP GR R6 |
| VANGUARD 500 INDEX FUND – ADM |
| AMERFUNDS 2025 TARG DATERET R6 |
| DFA INTL CORE EQUITY 2 INST |
| VANGUARD BAL IDX – ADM |
| VANGUARD MID CAP INDEX – ADM |
| JPMORGAN US RSCH ENHANCED EQ R |
| VANGUARD MIDCAP GROWTH IDX ADM |
| AMERFUNDS 2010 TARG DATERET R6 |
| VANGUARD INTERMEDIATE TERM BON |
| AMERFUNDS 2015 TARG DATERET R6 |
| AMERFUNDS 2045 TARG DATERET R6 |
| FIDELITY ADVISOR VALUE STRAT K |
| AMERFUNDS 2040 TARG DATERET R6 |
| VANGUARD FEDERAL MM INV |
| PUTNAM LARGE CAP GROWTH R6 |
| AMERICAN FUNDS EUROPAC GRO- R6 |
| VANGUARD SMALL CAP INDEX ADMRL |
| AMERFUNDS 2030 TARG DATERET R6 |
| VANGUARD WELLESLEY INCOME-ADMR |
| VANGUARD SM CAP VAL INDEX ADM |
| AMERFUNDS 2050 TARG DATERET R6 |
| PUTNAM LARGE CAP VALUE R6 |
| AMERFUNDS 2035 TARG DATERET R6 |
| NUVEEN INT EQ INDEX R6 |
| VANG TOT STK MKT IDX – ADMIRAL |
Investment model portfolios
We provide two types of investment model portfolios for EDIFECS 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 EDIFECS 401(K) PLAN