Investment options of FIVE NINES TECHNOLOGY GROUP 401(K) PLAN
Total Available Funds: 38
| Investment Description |
|---|
| Vanguard International Growth Fund Admiral |
| Vanguard Emerging Markets Stock Index Fund – Admiral |
| PIMCO CommodityRealReturn Strategy Fund® – Inst Class |
| Allspring Funds Allspring Special Mid Cap Value Fund – Class R6 |
| Capital Research American Funds New World R6 |
| Capital Research American Funds New Perspective R6 |
| Dimensional Fund Advisors DFA Inflation-Protected Securities Portfolio – Inst Class |
| Dimensional Fund Advisors DFA U.S. Targeted Value Portfolio – Institutional Class |
| Dodge & Cox Dodge & Cox Global Bond Fund X |
| Fidelity Fidelity |
| Fidelity Intl Index Fnd |
| JP Morgan JPMorgan Large Cap Growth Fund – Class R6 |
| JP Morgan JPMorgan U.S. Equity Fund – Class R6 |
| Janus Henderson Enterprise Fund – Class N |
| flexPATH Strategies MyCompass Ind Agg 2035 Fd R |
| flexPATH Strategies MyCompass Ind Agg 2045 Fd R |
| flexPATH Strategies MyCompass Ind Agg 2055 Fd R |
| flexPATH Strategies MyCompass Ind Agg 2065 Fd R |
| flexPATH Strategies MyCompass Ind Cns 2035 F R |
| flexPATH Strategies MyCompass Ind Cns 2055 F R |
| flexPATH Strategies MyCompass Ind Cns 2065 Fd R |
| flexPATH Strategies MyCompass Ind Mod 2035 Fd R |
| flexPATH Strategies MyCompass Ind Mod 2045 Fd R |
| flexPATH Strategies MyCompass Ind Mod 2055 Fd R |
| flexPATH Strategies MyCompass Ind Mod 2065 Fd R |
| Vanguard Explorer Fund – Admiral |
| Victory Capital Victory Core Plus Intermediate Bond Fund – Class R6 |
| Vanguard Mid-Cap Index Fund Admiral |
| Vanguard Small-Cap Index Fund Admiral |
| Vanguard LifeStrategy Growth Fund |
| Vanguard LifeStrategy Income Fund Investor |
| PGIM Investments PGIM High Yield Fund R6 |
| Capital Research American Funds American Balanced Cund Class R6 |
| Vanguard Equity Income Fund Admiral |
| flexPATH Strategies MyCompass Index Conservative Retirement Fund R |
| flexPATH Strategies MyCompass Index Moderate Retirement Fund Class R |
| Voya Voya Fixed Account |
| Participant notes receivable 2025 – 2029 -0- |
Investment model portfolios
We provide two types of investment model portfolios for FIVE NINES TECHNOLOGY 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 FIVE NINES TECHNOLOGY GROUP 401(K) PLAN