Investment options of GERMER PLLC 401(K) PLAN
Total Available Funds: 40
| Investment Description |
|---|
| FIDELITY MANAGEMENT TRUST COMPANY BROKERAGELINK |
| FIDELITY MANAGEMENT TRUST COMPANY COL ST BOND I3 |
| FIDELITY MANAGEMENT TRUST COMPANY PIM TOTAL RT INST |
| FIDELITY MANAGEMENT TRUST COMPANY THORNBURG INT VAL R6 |
| FIDELITY MANAGEMENT TRUST COMPANY AM CENT MD CP VAL R6 |
| FIDELITY MANAGEMENT TRUST COMPANY INVS DEVELOP MKT R6 |
| FIDELITY MANAGEMENT TRUST COMPANY BLKRK HI YLD BD K |
| FIDELITY MANAGEMENT TRUST COMPANY BLKRK EQUITY DIV I |
| FIDELITY MANAGEMENT TRUST COMPANY AM CENT SH DUR R5 |
| FIDELITY MANAGEMENT TRUST COMPANY BLKRK GLOBAL ALLOC K |
| FIDELITY MANAGEMENT TRUST COMPANY HTFD INTL OPPS R6 |
| FIDELITY MANAGEMENT TRUST COMPANY GALLIARD STBLE RTN M |
| FIDELITY MANAGEMENT TRUST COMPANY INVS MS MIDCAP R6 |
| FIDELITY MANAGEMENT TRUST COMPANY INVS GLOBAL R6 |
| FIDELITY MANAGEMENT TRUST COMPANY BLKRK MID CAP GRTH IS |
| FIDELITY MANAGEMENT TRUST COMPANY FA FLOATING RATE I |
| FIDELITY MANAGEMENT TRUST COMPANY FID GOVT MMKT |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2020 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2030 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2040 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2015 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2025 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2035 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2045 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2050 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2055 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FA FREEDOM 2060 Z |
| FIDELITY MANAGEMENT TRUST COMPANY FID FREEDOM INDEX 2005 IPR |
| FIDELITY MANAGEMENT TRUST COMPANY FID FREEDOM INDEX 2020 IPR |
| FIDELITY MANAGEMENT TRUST COMPANY FID FREEDOM INDEX 2025 IPR |
| FIDELITY MANAGEMENT TRUST COMPANY FID FREEDOM INDEX 2030 IPR |
| FIDELITY MANAGEMENT TRUST COMPANY FID FREEDOM INDEX 2035 IPR |
| FIDELITY MANAGEMENT TRUST COMPANY FID FREEDOM INDEX 2040 IPR |
| FIDELITY MANAGEMENT TRUST COMPANY FID FREEDOM INDEX 2050 IPR |
| FIDELITY MANAGEMENT TRUST COMPANY FID FREEDOM INDEX 2060 IPR |
| FIDELITY MANAGEMENT TRUST COMPANY FID MID CAP INDEX |
| FIDELITY MANAGEMENT TRUST COMPANY FID 500 INDEX PR |
| FIDELITY MANAGEMENT TRUST COMPANY JPM GROWTH ADVTG R6 |
| FIDELITY MANAGEMENT TRUST COMPANY FID SM CAP INDEX |
| FIDELITY MANAGEMENT TRUST COMPANY COL LC ENHED CORE I3 |
Investment model portfolios
We provide two types of investment model portfolios for GERMER PLLC 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 GERMER PLLC 401(K) PLAN