Investment options of FIRSTLIGHT POWER 401(K) PLAN
Total Available Funds: 36
| Investment Description |
|---|
| American Funds Europacific Gr R6 M u t u a l F u n d |
| American Funds New World R6 M u t u a l F u n d |
| American Funds Washington Mutual R6 M u t u a l F u n d |
| Blackrock Commodity Strategies K M u t u a l F u n d |
| Brandywineglobal – Global Opps Bond Is M u t u a l F u n d |
| Calvert Bond R6 M u tu a l F u n d |
| Calvert Small-Cap R6 M u tu a l F u n d |
| Cohen & Steers Realty Shares Z M u t u a l F u n d |
| Columbia Overseas Value Instl 3 M u t u a l F u n d |
| Dodge & Cox Income X M u t u a l F u n d |
| Empower T. Rowe Price Mid Cap Gr Inst M u t u a l F u n d |
| Fidelity U.S. Sustainability Index Instl M u t u a l F u n d |
| Janus Henderson Global Tech Innovation N M u tu a l F u n d |
| Neuberger Berman Genesis R6 M u t u a l F u n d |
| Pgim High-Yield R6 M u t u a l F u n d |
| Pimco Income Instl M u t u a l F u n d |
| Putnam Large Cap Value R6 M u t u a l F u n d |
| T. Rowe Price All-Cap Opportunities I M u t u a l F u n d |
| T. Rowe Price Dividend Growth I M u t u a l F u n d |
| Undiscovered Mgrs Behavioral Value R6 M u t u a l F u n d |
| Vanguard 500 Index Admiral M u t u a l F u n d |
| Vanguard Inflation-Protected Secs Adm M u t u a l F u n d |
| Vanguard Mid Cap Index Fund – Admiral M u t u a l F u n d |
| Vanguard Selected Value Inv M u t u a l F u n d |
| Vanguard Small Cap Index Adm M u t u a l F u n d |
| Vanguard Target Retirement 2020 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2025 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2030 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2035 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2040 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2045 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2050 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2055 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2060 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2065 Inv M u t u a l F u n d |
| Vanguard Target Retirement 2070 Inv M u t u a l F u n d |
Investment model portfolios
We provide two types of investment model portfolios for FIRSTLIGHT POWER 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 FIRSTLIGHT POWER 401(K) PLAN