Investment options of HELLMUTH & JOHNSON, PLLC 401K PLAN
Total Available Funds: 35
| Investment Description |
|---|
| Schwab Government Money Fund |
| American Funds American Balanced R5 |
| American Funds Capital World G/I R5 |
| American Funds Europacific Growth R5 |
| American Funds Small Cap World R5 |
| AMG Yacktman Fund Class I |
| BlackRock International Fund Class I |
| BlackRock Commodity Strategies K |
| DWM Aggressive Growth Fund |
| DWM Conservative Balanced |
| DWM Moderate Balance |
| DWM Moderate Growth Fund |
| DWM Pure Growth Fund |
| Fidelity Blue Chip Growth Fund |
| Fidelity Capital & Income |
| Fidelity Multi Asset Income |
| Fidelity Small Cap Growth |
| Goldman Sachs MGD Futures Strategy Instl |
| Invesco Developing Markets Fund |
| Loomis Sayles Loomis Sayles Global Allocation Fund CI |
| Lord Abbett Short Duration Income R6 |
| PIMCO Income Instl |
| T.Rowe Price Global Multi-Sector Bond I |
| T.Rowe Price Retirement 2025 |
| T.Rowe Price Retirement 2030 |
| T.Rowe Price Retirement 2035 |
| T.Rowe Price Retirement 2040 |
| T.Rowe Price Retirement 2045 |
| T.Rowe Price Retirement 2050 |
| T.Rowe Price Retirement 2055 |
| Vanguard 500 Index Admiral |
| Vanguard Energy Admiral |
| Vanguard Equity-Income Inv |
| Vanguard Mid Cap Index Admiral |
| Vanguard Wellesley Income Admiral |
Investment model portfolios
We provide two types of investment model portfolios for HELLMUTH & JOHNSON, PLLC 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 HELLMUTH & JOHNSON, PLLC 401K PLAN