Investment options of FINANCIALFORCE.COM INC. 401(K) PLAN
Total Available Funds: 22
| Investment Description |
|---|
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-6 |
| ALGER FUNDS ALGER CAPITAL APPRECIATION PORTFOLIO CLASS I-2 |
| JPMORGAN SECURITIES JPMORGAN EQUITY INCOME FUND CLASS R6 |
| JPMORGAN SECURITIES JPMORGAN U. S. SMALL COMPANY FUND CLASS R6 |
| INVESCO LTD. INVESCO DEVELOPING MARKETS FUND CLASS R6 |
| PIMCO INVESTMENTS PIMCO TOTAL RETURN FUND INSTITUTIONAL CLASS |
| T. ROWE PRICE RETIREMENT I 2005 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2010 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2015 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2020 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2025 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2030 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2035 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2040 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2045 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2050 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2055 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2060 – I CLASS |
| T. ROWE PRICE RETIREMENT I 2065 – I CLASS |
| THE VANGUARD GROUP VANGUARD 500 INDEX FUND ADMIRAL SHARES |
| THE VANGUARD GROUP VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES |
| THE VANGUARD GROUP VANGUARD SMALL-CAPE |
Investment model portfolios
We provide two types of investment model portfolios for FINANCIALFORCE.COM 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 FINANCIALFORCE.COM INC. 401(K) PLAN