Investment options of FCL BUILDERS, LLC 401(K) PLAN
Total Available Funds: 46
| Investment Description |
|---|
| RBC RBC Emerging Markets Equity Fund R6 |
| JPMorgan Government Bond Fund R6 |
| Federated Hermes Institutional High Yield Bond Fund R6 |
| T. Rowe Price Dividend Growth I Fund |
| Dimensional Fund Advisors DFA International Value I Fund |
| Invesco Gold & Special Minerals Fund R6 |
| American Century Mid Cap Value Fund R6 |
| Dimensional Fund Advisors DFA Global Equity Portfolio Institutional Fund |
| American Funds American Balanced Fund R6 |
| Dimensional Fund Advisors DFA International Small Company I Fund |
| Massachusetts Financial Services MFS Mid Cap Growth Fund R6 |
| Allspring Allspring Special Small Cap Value Fund R6 |
| John Hancock Bond Fund Class R6 |
| Fidelity Investments Fidelity OTC Portfolio |
| Fidelity Investments Fidelity NASDAQ Composite |
| Fidelity Investments Fidelity U.S. Bond |
| Fidelity Investments Fidelity |
| Fidelity Investments Fidelity Global ex U.S. |
| Fidelity Investments Fidelity Mid Cap |
| Fidelity Investments Fidelity Small Cap |
| Fidelity Investments Fidelity Inflation-Protected Bond |
| Fidelity Investments Fidelity Freedom Index Income Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2015 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2020 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2025 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2030 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2035 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2040 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2045 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2050 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2055 Institutional Premium Fund |
| Fidelity Investments Fidelity Freedom Index 2060 Institutional Premium Fund |
| Fidelity Investments Fidelity Blue Chip Growth K6 Fund |
| Fidelity Investments Fidelity International Capital Appreciation K6 Fund |
| Fidelity Investments Fidelity Mid Cap Value |
| Fidelity Investments Fidelity Freedom Index 2065 Institutional Premium Fund |
| Fidelity Investments Fidelity Contrafund |
| Fidelity Investments Fidelity Contrafund II |
| Fidelity Investments Fidelity Blue Chip Growth |
| Fidelity Investments Fidelity Wise Origin Bitcoin Fund |
| Abbvie Abbvie Inc Com |
| Cabot Cabot Oil & Gas |
| Coinbase Coinbase Global Inc Com |
| Trane Trane Technologies PLC Com |
| Palo Palo Alto Networks Inc Com |
| Rates from 4.25% to 9.50% – |
Investment model portfolios
We provide two types of investment model portfolios for FCL BUILDERS, 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 FCL BUILDERS, LLC 401(K) PLAN