Investment options of FISHTECH GROUP 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| INTL GROWTH II R1 30,125.908 |
| LARGE CAP GRTH II R1 62,718.095 |
| LARGE CAP VAL III R1 30,014.247 |
| MID CAP VAL II R1 14,427.156 |
| CORE PLUS BOND R1 36,150.151 |
| GS EMRG MKTS EQ R6 7,430.737 |
| AF INFL LINKED BD R6 2,001.478 |
| JPM SR BLEND 2060 R6 50,388.473 |
| SS AGGR BOND IDX K 513.702 |
| JPM SR BLEND 2025 R6 4,869.773 |
| JPM SR BLEND 2035 R6 43,742.937 |
| JPM SR BLEND 2045 R6 49,268.237 |
| JPM SR BLEND INC R6 6,807.343 |
| JPM SR BLEND 2020 R6 3,710.943 |
| JPM SR BLEND 2030 R6 37,197.668 |
| JPM SR BLEND 2040 R6 51,885.129 |
| JPM SR BLEND 2050 R6 62,051.065 |
| HTFD STRAT INC R6 26,893.440 |
| JPM SR BLEND 2065 R6 530.859 |
| JPM SR BLEND 2055 R6 48,824.989 |
| DFA COMM STRATEGY I 157.975 |
| PGIM HIGH YIELD R6 6,110.502 |
| AS SPL SM CAP VAL R6 767.963 |
| INVS SMCP GRTH R6 1,597.588 |
| JPM MID CAP GRTH R6 6,123.660 |
| FID NASDAQ COMP INDX 2,046.021 |
| FID 500 INDEX 14,192.958 |
| FID MID CAP IDX 6,273.290 |
| FID SM CAP IDX 11,010.038 |
| FID INTL INDEX 3,862.439 |
| FID GOVT MMKT K6 30,484.400 |
| rates ranging from 4.25% to 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for FISHTECH GROUP 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 FISHTECH GROUP 401(K) PLAN