Investment options of EMCOR GROUP INC. 401K SAVINGS PLAN
Total Available Funds: 26
| Investment Description |
|---|
| T. Rowe Price New Horizons Trust Class A Fund |
| T. Rowe Price Small Cap Value Eq Trust D Fund |
| T. Rowe Price Retirement Balanced Tr-B Fund |
| T. Rowe Price Retirement 2005 Tr-B Fund |
| T. Rowe Price Retirement 2010 Tr-B Fund |
| T. Rowe Price Retirement 2015 Tr-B Fund |
| T. Rowe Price Retirement 2020 Tr-B Fund |
| T. Rowe Price Retirement 2025 Tr-B Fund |
| T. Rowe Price Retirement 2030 Tr-B Fund |
| T. Rowe Price Retirement 2035 Tr-B Fund |
| T. Rowe Price Retirement 2040 Tr-B Fund |
| T. Rowe Price Retirement 2045 Tr-B Fund |
| T. Rowe Price Retirement 2050 Tr-B Fund |
| T. Rowe Price Retirement 2055 Tr-B Fund |
| T. Rowe Price Retirement 2060 Tr-B Fund |
| T. Rowe Price Retirement 2065 Tr-B Fund |
| Prudential PGIM Core Plus Bond 3 Fund |
| American Funds American Balanced Fund |
| American Funds EuroPacific Growth Fund |
| American Century Mid Cap Value Fund |
| Brown Advisory Brown Advisory Sustainable Growth I Fund |
| Cohen & Steers Cohen & Steers Institutional Realty Fund |
| Dodge & Cox Dodge & Cox Stock Fund |
| T. Rowe Price Trust Company T. Rowe Price U.S. Treasury Money Fund |
| Vanguard Institutional |
| 9.50%, with varying maturity dates |
Investment model portfolios
We provide two types of investment model portfolios for EMCOR GROUP INC. 401K SAVINGS 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 EMCOR GROUP INC. 401K SAVINGS PLAN