Investment options of GUIDE ENGINEERING 401K PLAN
Total Available Funds: 32
| Investment Description |
|---|
| Goldman Sachs GOLDMANSACHS LRG CAP GR INS R6 |
| American Funds AMERFDS NEW PERSPECTIVE R6 |
| Columbia INTG LGCP GRTH INST 3 |
| American Funds AMERFDS AMERICAN BALANCED R6 |
| Fidelity 500 INDEX |
| Vanguard 500 INDEX ADM |
| Vanguard MID CAP INDEX ADM |
| American Funds AMERFDS WASHINGTON R6 |
| American Funds AMERFDS EUROPAC GRTH R6 |
| American Funds AMERFDS 2055 TRGT DATE RET R6 |
| American Funds AMERFDS 2050 TRGT DATE RET R6 |
| American Funds AMERFDS INCOME OF AMER R6 |
| Vanguard SMALL CAP INDEX ADM |
| American Funds AMERFDS 2035 TRGT DATE RET R6 |
| American Funds AMERFDS 2030 TRGT DATE RET R6 |
| Dimensional Fund Advisors DFA INVESTMENT GRADE I |
| Jpmorgan EQUITY INCOME R6 |
| Blackrock MID-CAP GRO EQUITY K |
| Jpmorgan SMALL CAP GR R6 |
| American Funds AMERFDS 2045 TRGT DATE RET R6 |
| Lord Abbett INTL OPP R6 |
| American Funds AMERFDS 2060 TRGT DATE RET R6 |
| Vanguard MIDCAP GROWTH IDX ADM |
| American Funds AMERFDS 2040 TRGT DATE RET R6 |
| Fidelity INTL INDEX |
| Goldman Sachs GOLDMANSACHS SMCAPVAL R6 |
| American Funds AMERFDS 2065 TRGT DATE RET R6 |
| Virtus CEREDEX LCV EQTY R6 |
| Thornburg THORNBURG LTD TERM INC R6 |
| MFS MID CAP VALUE R6 |
| Vanguard HIGH-YIELD CORP ADM |
| Victory VICTORY VIC PIONEER BOND R6 |
Investment model portfolios
We provide two types of investment model portfolios for GUIDE ENGINEERING 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 GUIDE ENGINEERING 401K PLAN