Investment options of FRUTH PHARMACY 401(K) PLAN
Total Available Funds: 27
| Investment Description |
|---|
| American New Perspective R5 |
| Columbia Small Cap Val I Instl |
| Dimensional Short Term Extended Quality Inst |
| Dimensional Emerging Markets |
| Dimensional DFA US Small Cap Port Inst |
| Dodge & Cox Stock I |
| Fidelity Contrafund |
| Janus Henderson Enterprise |
| John Hancock 2010 Lifetime Bld R6 |
| John Hancock 2015 Lifetime Bld R6 |
| John Hancock 2020 Lifetime Bld R6 |
| John Hancock 2025 Lifetime Bld R6 |
| John Hancock 2030 Lifetime Bld R7 |
| John Hancock 2035 Lifetime Bld R7 |
| John Hancock 2040 Lifetime Bld R7 |
| John Hancock 2045 Lifetime Bld R7 |
| John Hancock 2050 Lifetime Bld R8 |
| John Hancock 2055 Lifetime Bld R8 |
| John Hancock 2060 Lifetime Bld R9 |
| John Hancock 2065 Lifetime Bld R9 |
| John Hancock Disc Val MC R6 |
| Vanguard Short Term Inflation Protected Securities |
| Vanguard Index Trust Mid Cap |
| Vanguard Small Cap Index Fund #548 |
| Vanguard 500 Index Admiral FD |
| Vanguard Emerging Markets Stock Index |
| Vanguard I-T Treasury Idx Adm |
Investment model portfolios
We provide two types of investment model portfolios for FRUTH PHARMACY 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 FRUTH PHARMACY 401(K) PLAN