Investment options of FUSION EMPLOYER SERVICES RETIREMENT SAVINGS PLAN
Total Available Funds: 40
| Investment Description |
|---|
| ALLSPRING PRECIOUS METALS INV POOLED SEPARATE ACCOUNT |
| ALLSPRING SM CAP VAL INV ACCT POOLED SEPARATE ACCOUNT |
| AMERICAN FDS EUROPACIFIC GR RET POOLED SEPARATE ACCOUNT |
| AMERICAN FDS FDMNTL INVS INV ACCT POOLED SEPARATE ACCOUNT |
| AMERICAN CENTURY GOVT BD RET ACCT POOLED SEPARATE ACCOUNT |
| AMERICAN FDS GF GD OF AMER INV ACCT POOLED SEPARATE ACCOUNT |
| AMERICAN FDS NEW PRSPCTV INV ACCT POOLED SEPARATE ACCOUNT |
| BLACKROCK EQ DIVIDEND INV ACCT POOLED SEPARATE ACCOUNT |
| BLACKROCK HEALTH SCIENCES OPS RET POOLED SEPARATE ACCOUNT |
| BR&YWINEGLBL - GLBL OPP BD RET POOLED SEPARATE ACCOUNT |
| CALVERT EQ PORTFOLIO RET ACCT POOLED SEPARATE ACCOUNT |
| COLUMMBIA INC OPP INV ACCT POOLED SEPARATE ACCOUNT |
| DFA INF-PROTECTED SEC PRTF RET ACCT POOLED SEPARATE ACCOUNT |
| FEDERATED HERMES MDT SM CAP CR RET POOLED SEPARATE ACCOUNT |
| FIDELITY ADV EMERGING MKT RET ACCT POOLED SEPARATE ACCOUNT |
| FRANKLIN UTILITIES INV ACCT POOLED SEPARATE ACCOUNT |
| GOLDMAN SACHS TECH OPP RET ACCT POOLED SEPARATE ACCOUNT |
| JANUS HENDERSON BALANCED INV ACCT POOLED SEPARATE ACCOUNT |
| LOOMIS SAYLES INV GRD BD RET ACCT POOLED SEPARATE ACCOUNT |
| MORGAN STANLEY GR OPP RET ACCT POOLED SEPARATE ACCOUNT |
| STATE STREET S&P MD CP IDX RET ACCT POOLED SEPARATE ACCOUNT |
| STATE STREET U. S. BD IDX RE ACCT POOLED SEPARATE ACCOUNT |
| TA VANGAURD REIT INDEX RET ACCT POOLED SEPARATE ACCOUNT |
| TRANS ASST ALLC-CONS PRTF RT ACCT POOLED SEPARATE ACCOUNT |
| TRANSAMER ASST ALLC-GR PRTF RT ACCT POOLED SEPARATE ACCOUNT |
| TRANS ASST ALLC-MD GR PRTF RT ACCT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LG 2025 BLACKRCK ACT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LG 2030 BLACKRCK ACT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LG 2035 BLACKRCK ACT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LG 2040 BLACKRCK ACT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LG 2045 BLACKRCK ACT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LG 2050 BLACKRCK ACT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LG 2055 BLACKRCK ACT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LG 2060 BLACKRCK ACT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LG RET BLACKROCK POOLED SEPARATE ACCOUNT |
| TRANSAMERICA PARTNERS MD VL RT ACCT POOLED SEPARATE ACCOUNT |
| TA VANGUARD SMALL-CAP IDX RET ACCT POOLED SEPARATE ACCOUNT |
| TA VANGAURD TTL STOCK MKT IDX RT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA STBL VAL ADV ACCOUNT STABLE FUND |
| PERSONAL CHOICE RETMENT ACCOUNT SELF DIRECTED BROKERAGE ACCOUNT |
Investment model portfolios
We provide two types of investment model portfolios for FUSION EMPLOYER SERVICES RETIREMENT SAVINGS 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 FUSION EMPLOYER SERVICES RETIREMENT SAVINGS PLAN