Investment options of FIT TECHNOLOGIES, LLC 401(K) PLAN
Total Available Funds: 23
| Investment Description |
|---|
| American Century Small Cap Value Fund Registered Investment Company |
| BlackRock Emerging Markets Fund Inc Registered Investment Company |
| BlackRock LifePath Index 2045 Fund Registered Investment Company |
| BlackRock LifePath Index 2050 Fund Registered Investment Company |
| BlackRock LifePath Index 2055 Fund Registered Investment Company |
| BlackRock LifePath Index 2060 Fund Registered Investment Company |
| BlackRock LifePath Index 2065 Fund Registered Investment Company |
| BlackRock LifePath Index Retirement Fund Registered Investment Company |
| Bond Fund of America Registered Investment Company |
| ClearBridge International Growth Fund Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company |
| Fidelity International Index Fund Registered Investment Company |
| Fidelity Mid Cap Index Fund Registered Investment Company |
| Fidelity Small Cap Growth K6 Fund Registered Investment Company |
| Fidelity US Bond Index Registered Investment Company |
| JPMorgan US Value Fund Registered Investment Company |
| MFS Mid Cap Growth Fund Registered Investment Company |
| MFS Mid Cap Value Fund Registered Investment Company |
| PIMCO Income Fund Registered Investment Company |
| T Rowe Price Large-Cap Growth Fund Registered Investment Company |
| Principal SmallCap S&P 600 Index Pooled Separate Account |
| Fixed Income Guaranteed Option ** Guaranteed investment contract |
| 4.25% to 10.50% (cost $0) |
Investment model portfolios
We provide two types of investment model portfolios for FIT TECHNOLOGIES, 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 FIT TECHNOLOGIES, LLC 401(K) PLAN