Investment options of GERALD AUTO GROUP 401(K) PLAN & TRUST
Total Available Funds: 31
| Investment Description |
|---|
| Wilmington Trust Core Plus Bond R1 |
| Wilmington Trust International Growth Fund II R1 |
| Wilmington Trust Large Cap Growth II R1 |
| Wilmington Trust Large Cap Value R1 |
| Wilmington Trust Mid Cap Growth R1 |
| Wilmington Trust Mid Cap Value R1 |
| Wilmington Trust Small Cap Value II R1 |
| Blackrock Lifepath Index 2030 K |
| Blackrock Lifepath Index 2035 K |
| Blackrock Lifepath Index 2040 K |
| Blackrock Lifepath Index 2045 K |
| Blackrock Lifepath Index 2050 K |
| Blackrock Lifepath Index 2055 K |
| Blackrock Lifepath Index 2060 K |
| Blackrock Lifepath Index 2065 K |
| Blackrock Lifepath Index Retire K |
| Fidelity 500 Index |
| Fidelity International Index Instl |
| Fidelity Mid Cap Index Instl Prem |
| Fidelity Small Cap Index |
| Invesco Oppenheimer Discovery R6 |
| Dimensional Fund Advisors Emerging Markets |
| Sprott Physical Uranium Trust |
| B2Gold Corp B2Gold Corp |
| Aberdeen Physical Gold Shares |
| iShares Core S&P Small-Cap |
| iShares Core S&P |
| JPMorgan Equity Premium Income |
| Schwab Funds Value Advtg. Money Fund |
| Schwab Funds Government Money Fund |
| Schwab Funds Prime Advantage Money Fund – Investor |
Investment model portfolios
We provide two types of investment model portfolios for GERALD AUTO GROUP 401(K) PLAN & TRUST 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 GERALD AUTO GROUP 401(K) PLAN & TRUST