Investment options of GROUND ENGINEERING CONSULTANTS, INC. 401(K) PLAN
Total Available Funds: 39
| Investment Description |
|---|
| American Funds 2020 Target Date Retirement Fund R6 31 |
| American Funds 2025 Target Date Retirement Fund R6 809 |
| American Funds 2035 Target Date Retirement Fund R6 878 |
| American Funds 2040 Target Date Retirement Fund R6 |
| American Funds 2045 Target Date Retirement Fund R6 41,443 |
| American Funds 2050 Target Date Retirement Fund R6 48,139 |
| American Funds 2055 Target Date Retirement Fund R6 34,319 |
| American Funds 2060 Target Date Retirement Fund R6 21,163 |
| American Funds 2065 Target Date Retirement Fund R6 5,255 |
| American Funds 2070 Target Date Retirement Fund R6 12 |
| American Funds Fundamental Investors Fund R6 16,576 |
| American Funds New Perspective Fund R6 11,591 |
| Columbia Dividend Income Fund I3 20,440 |
| Columbia Overseas Value Fund I3 8,758 |
| Delaware Emerging Markets Fund R6 2,620 |
| Diamond Hill Large Cap Fund I 43,198 |
| Franklin DynaTech Fund R6 3,620 |
| Janus Henderson Small Cap Value Fund N 6,183 |
| Lord Abbett High Yield Fund R6 53,738 |
| Lord Abbett Short Duration Income Fund R6 69,917 |
| MassMutual Select Mid Cap Growth Equity II Fund I 19,580 |
| MFS International Intrinsic Value Fund R6 1,261 |
| Oakmark International Fund I 14,893 |
| PIMCO Income Institutional Fund I 86,382 |
| PIMCO Long-Term Credit Bond Fund I 10,590 |
| PIMCO Short-Term Institutional Fund I 138,090 |
| PIMCO StocksPlus Absolute Return Fund I 14,594 |
| PIMCO StocksPlus Small Fund I 1,572 |
| Principal MidCap S&P 400 Index Fund R6 5,161 |
| T. Rowe Price Blue Chip Growth Fund I 14,293 |
| T. Rowe Price QM U.S. Small-Cap Growth Equity Fund I 20,794 |
| Undisc Mgrs Behav Value R6 Fund 425 |
| Vanguard GNMA Fund Admiral 20,054 |
| Vanguard International Growth Fund Admiral 1900.59 |
| Vanguard Long-Term Investment-Grade Fund Admiral 105,440 |
| Vanguard Mid-Cap Value Index Fund Admiral 13,041 |
| Vanguard Strategic Equity Fund Investor 3,543 |
| Eaton vance Atlanta Capital SMID-Cap Fund 6,186 |
| Western Asset Core Bond Fund IS 29,595 |
Investment model portfolios
We provide two types of investment model portfolios for GROUND ENGINEERING CONSULTANTS, INC. 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 GROUND ENGINEERING CONSULTANTS, INC. 401(K) PLAN