Investment options of ESYSTEMS, INC. 401(K) PLAN
Total Available Funds: 55
| Investment Description |
|---|
| Invesco CEF Income Composite Exchange-traded fund |
| Invesco DWA Consumer Staples Momentum Exchange-traded fund |
| Invesco India Exchange-traded fund |
| Invesco QQQ Trust Series 1 Exchange-traded fund |
| Invesco Taxable Municipal Bond Exchange-traded fund |
| SPDR S&P Homebuilders Exchange-traded fund |
| SPDR S&P Regional Banking Exchange-traded fund |
| Vanguard Dividend Appreciation Exchange-traded fund |
| Vanguard FTSE All-World Ex-US Exchange-traded fund |
| Vanguard Industrials Exchange-traded fund |
| Vanguard Intermediate Term Bond Exchange-traded fund |
| Vanguard Russell 2000 Exchange-traded fund |
| iShares Biotech Index Fund Exchange-traded fund |
| iShares Core S&P 500 ETF Exchange-traded fund |
| iShares Core U.S. Aggregate Bond Exchange-traded fund |
| iShares MSCI Emerging Mkts Idx Exchange-traded fund |
| iShares US Technology Exchange-traded fund |
| American Century Heritage Registered Investment Company |
| Fidelity Balanced Registered Investment Company |
| Fidelity Blue Chip Growth Registered Investment Company |
| Fidelity Cap & Income Registered Investment Company |
| Fidelity New Millennium Registered Investment Company |
| Fidelity OTC Registered Investment Company |
| Fidelity Select Financials Portfolio Registered Investment Company |
| Harbor Capital Appreciation Inv Registered Investment Company |
| INVESCO DISCOVERY LARGE CAP R6 Registered Investment Company |
| Invesco CEF Income Composite ETF Registered Investment Company |
| Invesco DW A Consumer Staples Momentum ET Registered Investment Company |
| Invesco India ETF Registered Investment Company |
| Invesco QQQ Trust Registered Investment Company |
| Invesco Taxable Municipal Bond ETF Registered Investment Company |
| JPMorgan Smart Retirement Income Instl Registered Investment Company |
| Janus Henderson Venture Fund T Shares Registered Investment Company |
| Loan 4.25% |
| Neuberger/Berman Genesis Registered Investment Company |
| SPDR S&P Homebuilders Registered Investment Company |
| SPDR® S&P Regional Banking ETF Registered Investment Company |
| Schwab Account Schwab Account |
| Schwab Balanced Registered Investment Company |
| T.Rowe Price Sprectrum Conserv Alloc Registered Investment Company |
| USAA NASDAQ-100 Index Registered Investment Company |
| Vanguard Dividend Appreciation ETF Registered Investment Company |
| Vanguard Dividend Growth Registered Investment Company |
| Vanguard FTSE All-World ex-US ETF Registered Investment Company |
| Vanguard Industrials ETF Registered Investment Company |
| Vanguard Intermediate Term Bond Registered Investment Company |
| Vanguard REIT Index ETF Registered Investment Company |
| Vanguard Russell 2000 Registered Investment Company |
| Vanguard Target Retirement Income Registered Investment Company |
| iShares Biotech Index Fund Registered Investment Company |
| iShares MSCI Emerging Mkts Idx Registered Investment Company |
| iShares US Technology ETF Registered Investment Company |
| Invesco DWA Consumer Staples Momentum ET Registered Investment Company |
| T. Rowe Price Sprectrum Conserv Alloc Registered Investment Company |
| iShares Core S&P 500 ETF Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for ESYSTEMS, INC. 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 ESYSTEMS, INC. 401(K) PLAN