Investment options of EMONEY ADVISOR, LLC 401(K) PLAN
Total Available Funds: 41
| Investment Option List |
|---|
| ALLIANCEBERNSTEIN SMALL CAP GROWTH FUND CLASS I (SGRIX) |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R6 (FEPUX) |
| BARON EMERGING MARKETS FUND (BEXFX) |
| BLACKROCK INFLATION PROTECTED BOND FUND INST. (BPRIX) |
| CARILLON EAGLE MID CAP GROWTH R6 (HRAYX) |
| FEDERATED INSTITUTIONAL HIGH YIELD BOND (FIHBX) |
| FIDELITY PURITAN FUND (FPURX) |
| FIDELITY GOVERNMENT MONEY MARKET (SPAXX) |
| FIDELITY 500 INDEX FUND (FXAIX) |
| FIDELITY MID CAP INDEX (FIIMX) |
| FIDELITY SMALL CAP INDEX (FSISX) |
| FIDELITY FREEDOM INDEX INC. IPR (FFFAX) |
| FIDELITY FREEDOM INDEX 2005 IPR (FFFVX) |
| FIDELITY FREEDOM INDEX 2010 IPR (FFFCX) |
| FIDELITY FREEDOM INDEX 2015 IPR (FFVFX) |
| FIDELITY FREEDOM INDEX 2020 IPR (FFFDX) |
| FIDELITY FREEDOM INDEX 2025 IPR (FFTWX) |
| FIDELITY FREEDOM INDEX 2030 IPR (FFFEX) |
| FIDELITY FREEDOM INDEX 2035 IPR (FFTHX) |
| FIDELITY FREEDOM INDEX 2040 IPR (FFFFX) |
| FIDELITY FREEDOM INDEX 2045 IPR (FFFGX) |
| FIDELITY FREEDOM INDEX 2050 IPR (FFFHX) |
| FIDELITY FREEDOM INDEX 2055 IPR (FDEWX) |
| FIDELITY FREEDOM INDEX 2060 IPR (FDKNX) |
| FIDELITY FREEDOM INDEX 2065 IPR (FAXDX) |
| JOHN HANCOCK BOND FUND CLASS R6 (JHBSX) |
| JPMORGAN JPM SMALL CAP VALUE FUND CLASS R6 (JSVUX) |
| JPMORGAN JPM EQUITY INCOME R5 (HLIEX) |
| MFS INSTITUTIONAL INTERNATIONAL EQUITY FUND (MIEIX) |
| MORGAN STANLEY GLOBAL FIXED INCOME OPPORTUNITIES (DINDX) |
| T. ROWE PRICE GROWTH STOCK FUND (PRGFX) |
| T. ROWE PRICE SPECTRUM MODERATE GROWTH ALLOCATION FUND (PRDGX) |
| VANGUARD 500 INDEX FUND (VFINX) |
| VANGUARD TOTAL BOND MARKET INDEX ADMIRAL SHARES (VBMFX) |
| VANGUARD SMALL-CAP INDEX FUND (VISVX) |
| VANGUARD WELLESLEY INCOME FUND (VWINX) |
| VANGUARD MIDCAP INDEX FUND |
| VANGUARD REIT INDEX FUND (VGSIX) |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX ADMIRAL SHARES (VGTSX) |
| VIRTUS FUND ADVISERS CEREDEX MID-CAPE VALUE EQUITY FUND I (SMVTX) |
| RELIANCE TRUST NEW YORK LIFE ANCHOR ACCOUNT SERIES I |
Investment model portfolios
We provide two types of investment model portfolios for EMONEY ADVISOR, 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 EMONEY ADVISOR, LLC 401(K) PLAN