Investment options of EPLUS INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 30
| Investment Description |
|---|
| AMERICAN BEACON MID CAP GROWTH |
| BOSTON PARTNERS SMALL CAP VALUE FUND II |
| CHARLES SCHWAB PERSONAL CHOICE RETIREMENT |
| CHARLES SCHWAB PERSONAL CHOICE RETIREMENT 2 |
| COHEN & STEERS REAL ESTATE SEC A |
| COLUMBIA HIGH YIELD BOND ADV |
| DFA EMERGING MARKETS CORE EQUITY |
| DFA INFLATION PROTECTED SEC I |
| FIDELITY 500 INDEX |
| JOHN HANCOCK DISCIPLINED VALUE A |
| LOOMIS SAYLES SMALL CAP GROWTH |
| PGIM TOTAL RETURN BOND Z |
| T. ROWE PRICE BLUE CHIP |
| T. ROWE PRICE RETIREMENT 2010 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2015 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2020 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2025 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2030 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2035 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2040 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2045 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2050 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2055 - ACTIVE |
| T. ROWE PRICE RETIREMENT 2065 - ACTIVE |
| TRANSAMERICA INTL EQUITY I |
| VANGUARD EXTENDED MKT INDEX INSTL |
| VANGUARD TOTAL BOND MKT IDX ADM |
| VANGUARD TOTAL INT'L STOCK INSTL |
| VANGUARD TREASURY MONEY MARKET INVESTOR |
| VIRTUS CEREDEX MID CAP VALUE EQUITY I |
Investment model portfolios
We provide two types of investment model portfolios for EPLUS INC. 401(K) PROFIT SHARING 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 EPLUS INC. 401(K) PROFIT SHARING PLAN