Investment options of FDLIC 401(K) PLAN
Total Available Funds: 38
| Investment Description |
|---|
| ALLSPRING PRECIOUS METALS A |
| AMERICAN FUNDS NEW WORLD R5 |
| BAIRD CORE PLUS BOND INST |
| CLEARBRIDGE INTERNATIONAL GROWTH R |
| COHEN & STEERS REALTY SHARES FUND |
| DODGE & COX INTERNATIONAL STOCK FUND |
| FEDERATED HERMES INSTL HIYB BD IS |
| FIDELITY MID CAP INDEX |
| GOLDMAN SACHS FINANCIAL SQ GOVT INSTL |
| HARBOR GLOBAL LEADERS INV |
| INVESCO RUSSELL MID-CAP PURE VALUE ETF |
| INVESCO ULTRA SHORT DURATION ETF |
| ISHARES AGENCY BOND ETF |
| ISHARES CORE S& P 500 ETF |
| ISHARES CORE S& P MID-CAP ETF |
| ISHARES CORE S& P SMALL-CAP ETF |
| JANUS HENDERSON BALANCED R |
| JPMORGAN GOVERNMENT BOND R6 |
| MANNING & NAPIER DISCIPLINED VALUE I |
| MASSMUTUAL INFL-PRO & INC R5 |
| MASSMUTUAL STRATEGIC BOND ADM |
| MONTEAGLE SELECT VALUE I |
| NUVEEN MID-CAP VALUE I |
| PIMCO LONG TERM CREDIT BOND INSTL |
| PIMCO LOW DURATION INCOME INSTL |
| ROYCE INTERNATIONAL PREMIER FUND S |
| SCHWAB S& P 500 INDEX FUND |
| SCHWAB U. S. SMALL-CAP ETF |
| SPDR S& P 600 SMALL-CAP GROWTH ETF |
| T ROWE PRICE GROWTH STOCK INV |
| VANGUARD ENERGY INV |
| VANGUARD FTSE EMERGING MARKETS |
| VANGUARD GNMA INV |
| VANGUARD LONG-TERM CORP BOND ETF |
| VANGUARD SHORT TERM BOND ETF |
| VANGUARD TOTAL BOND MARKET ETF |
| VANGUARD TOTAL BOND MARKET INDEX ADM |
| VANGUARD TOTAL WORLD STOCK INDEX ETF |
Investment model portfolios
We provide two types of investment model portfolios for FDLIC 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 FDLIC 401(K) PLAN