Investment options of EVER.AG 401(K) PLAN
Total Available Funds: 38
| Investment Description |
|---|
| Fidelity |
| American Funds 2040 Target Date Retirement Fund |
| American Funds 2035 Target Date Retirement Fund |
| American Funds 2055 Target Date Retirement Fund |
| American Funds 2050 Target Date Retirement Fund |
| Great Gray Trust LLC Large Cap Growth Fund II Fee Class R1 |
| Great Gray Trust LLC Large Cap Value Fund II R1 |
| American Funds 2045 Target Date Retirement Fund |
| American Funds 2030 Target Date Retirement Fund |
| Fidelity Mid Cap |
| Fidelity U.S. Bond |
| American Funds 2060 Target Date Retirement Fund |
| Great Gray Trust LLC Core Fixed Income Fund Class A |
| Great Gray Trust LLC Mid Cap Growth Fund II Class R1 |
| Fidelity Small Cap |
| American Funds 2025 Target Date Retirement Fund |
| Allspring Allspring Special Mid Cap Value Fund R6 |
| PIMCO Real Return Fund INST |
| Great Gray Trust LLC International Growth Fund II Fee Class R1 |
| BlackRock BlackBlock High Yield Bond Class K |
| Great Gray Trust LLC EuroPacific Growth Trust Class R1 |
| American Funds New Perspective Fund Class |
| Great Gray Trust LLC Small Cap Value Fund |
| Fidelity International |
| Great Gray Trust LLC Emerging Markets Fund II Fee Class R1 |
| Great Gray Trust LLC Small Cap Growth Fund III Class R1 |
| American Funds 2065 Target Date Retirement Fund |
| American Funds 2020 Target Date Retirement Fund |
| PIMCO Commodities Real Return Fund |
| Vanguard Wellington Fund Investor Shares |
| American Funds US Government Securities Fund R6 |
| American Funds Capital World Bond R6 |
| Great Gray Trust LLC International Stock Fund R1 |
| American Funds Infl Linked BD R6 |
| American Funds 2015 Target Date Retirement Fund |
| American Funds 2010 Target Date Retirement Fund |
| Fidelity Government Moneymarket |
| 9.50% with various due dates -0- |
Investment model portfolios
We provide two types of investment model portfolios for EVER.AG 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 EVER.AG 401(K) PLAN