Investment options of GROUP MANAGEMENT SERVICES, INC. 401(K) PROFIT SHARING PLAN & TRUST
Total Available Funds: 33
| Investment Description |
|---|
| TRANSAMERICA STBL VAL CORE ACCOUNT |
| BLACKROCK EQ INDEX RET ACCT |
| BLACKROCK U. S. DEBT INDEX RET ACCT |
| BLACKROCK EAFE EQ INDEX RET ACCT |
| BLACKROCK RUSSELL 2000 IDX RET ACCT |
| MYWAYRETMENT IDX AGG 2025 RET ACCT |
| MYWAYRETMENT IDX AGG 2035 RET ACCT |
| MYWAYRETMENT IDX AGG 2055 RET ACCT |
| MYWAYRETIREMENT INDEX 2050 RET ACCT |
| MYWAYRETMENT INDEX RETMENT RET ACCT |
| MYWAYRETMENT IDX MOD 2025 RET ACCT |
| MYWAYRETMENT IDX MOD 2035 RET ACCT |
| MYWAYRETMENT IDX MOD 2045 RET ACCT |
| MYWAYRETMENT IDX MOD 2055 RET ACCT |
| MYWAYRETRMNT INTL VAL RET ACCT |
| BLACKROCK U. S. TIPS INDEX RET ACCT |
| MYWAYRETRMNT MLTISCTR BD RET ACCT |
| MYWAYRETRMNT MID CAP GR RET ACCT |
| MYWAYRETRMNT LG CAP GR RET ACCT |
| MYWAYRETMENT IDX 2065 RET ACCT |
| MYWAYRETRMNT SM CAP VAL RET ACCT |
| MYWAYRETRMNT SM CAP GR RET ACCT |
| MYWAYRETRMNT INTL GR RET ACCT |
| MYWAYRETRMNT CORE BD RET ACCT |
| MYWAYRETRMNT BALANCED RET ACCT |
| BLACKROCK MID CAP EQ IDX RET ACCT |
| MYWAYRETMENT COMMODITIES RET ACCT |
| MYWAYRETRMNT GLBL BD RET ACCT |
| MYWAYRETRMNT REAL ESTT RET ACCT |
| MYWAYRETRMNT LG CAP VAL RET ACCT |
| MYWAYRETRMNT MID CAP VAL RET ACCT |
| MYWAYRETRMNT EMRGNG MKT RET ACCT |
| CHARLES SCHWAB INSTL PERSONAL CHOICE RETMENT ACCOUNT |
Investment model portfolios
We provide two types of investment model portfolios for GROUP MANAGEMENT SERVICES, INC. 401(K) PROFIT SHARING 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 GROUP MANAGEMENT SERVICES, INC. 401(K) PROFIT SHARING PLAN & TRUST