Investment options of GEMMA POWER SYSTEMS 401K PLAN
Total Available Funds: 37
| Investment Description |
|---|
| by participant account balance |
| NUVEEN LC INDEX 2025 R6 |
| MFS GROWTH FUND R6 |
| VANG HI YLD CORP ADM |
| TRP INTEGRATED US SC GR EQ INV |
| NUVEEN LC INDEX 2060 R6 |
| VANGUARD DEV MKT INDEX ADMIRAL |
| VANGUARD TAX-MNGD SM CAP ADM |
| VANGUARD BAL IDX – ADM |
| JH STRAT INCOME OPPS R6 |
| NUV LIFECYCLE IDX RET INC R6 |
| NUVEEN LC INDEX 2020 R6 |
| DFA INT GOVT FIXED INC INST |
| VANGUARD 500 INDEX FUND – ADM |
| NUVEEN LC INDEX 2010 R6 |
| NUVEEN LC INDEX 2030 R6 |
| VANGUARD HEALTH CARE FUND ADM |
| NUVEEN LC INDEX 2015 R6 |
| NUVEEN LC INDEX 2050 R6 |
| VANGUARD MID CAP INDEX – ADM |
| JOHN HANCOCK BOND FUND – R6 |
| AMERFUNDS AMER BALANCED – R6 |
| VANGUARD TOT BND MKT IND- ADM |
| VANGUARD SM CAP VAL INDEX ADM |
| NUVEEN LC INDEX 2045 R6 |
| NUVEEN LC INDEX 2040 R6 |
| NUVEEN LC INDEX 2035 R6 |
| VANGUARD INTL GRTH ADM |
| NUVEEN LC GROWTH INDEX R6 |
| VANGUARD WELLESLEY INCOME-ADMR |
| VANG EQUITY INC ADM |
| VANGUARD MID CAP VALUE IND ADM |
| T. ROWE PRICE DIVIDEND GR I |
| NUVEEN LC INDEX 2055 R6 |
| AMERICAN FUNDS NEW WORLD R6 |
| JANUS HENDERSON ENTERPRISE N |
| METLIFE REL ST VAL 25053 – |
Investment model portfolios
We provide two types of investment model portfolios for GEMMA POWER SYSTEMS 401K 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 GEMMA POWER SYSTEMS 401K PLAN