Investment options of HILL & WILKINSON CONSTRUCTION GROUP, LTD. 401(K) PLAN
Total Available Funds: 40
| Investment Option List |
|---|
| FIDELITY INTEREST BEARING CASH (FDRXX) |
| CARILLON SCOUT MID CAP FUND CLASS R6 (CSMEX) |
| COMMERCE BOND FUND |
| FEDERATED HERMES INSTITUTIONAL HIGH YIELD BOND FUND (FIHAX) |
| FIDELITY GOVERNMENT MONEY MARKET FUND CLASS K6 (SPAXX) |
| FIDELITY MID CAP GROWTH INDEX FUND (FMDGX) |
| FIDELITY MID CAP INDEX VALUE FUND (FSMVX) |
| FIDELITY SMALL CAP GROWTH INDEX FUND (FECGX) |
| FIDELITY SMALL CAP VALUE INDEX FUND (FISVX) |
| FIDELITY FREEDOM INDEX 2020 FUND INSTITUTIONAL PREMIUM CLASS (FIWTX) |
| FIDELITY FREEDOM INDEX 2025 FUND INSTITUTIONAL PREMIUM CLASS (FFEDX) |
| FIDELITY FREEDOM INDEX 2030 FUND INSTITUTIONAL PREMIUM CLASS (FFEGX) |
| FIDELITY FREEDOM INDEX 2035 FUND INSTITUTIONAL PREMIUM CLASS (FFEZX) |
| FIDELITY FREEDOM INDEX 2055 FUND INSTITUTIONAL PREMIUM CLASS (FFLDX) |
| FIDELITY EMERGING MARKETS INDEX FUND (FMKIX) |
| FIDELITY MID CAP GROWTH INDEX FUND (FMDGX) |
| FIDELITY REAL ESTATE INDEX FUND (FRESX) |
| FIDELITY SMALL CAP INDEX FUND (FSISX) |
| FIDELITY INTERNATIONAL INDEX FUND (FDIVX) |
| FIDELITY INFLATION-PROTECTED BOND INDEX FUND (FINPX) |
| FIDELITY FREEDOM INDEX 2060 FUND INSTITUTIONAL PREMIUM CLASS (FFLEX) |
| FIDELITY LARGE CAP GROWTH INDEX FUND (FSLGX) |
| FIDELITY LARGE CAP VALUE INDEX FUND (FSLVX) |
| FIDELITY SHORT-TERM BOND INDEX FUND (FSHBX) |
| FIDELITY SHORT-TERM TREASURY BOND INDEX FUND (FSBAX) |
| GOLDMAN SACHS GLOBAL CORE FIXED INCOME FUND (GSFIX) |
| JPMORGAN CORE PLUS BOND FUND CLASS R6 (JCPUX) |
| JPMORGAN MID CAP GROWTH FUND CLASS R6 (JMGMX) |
| PAYDEN EMERGING MARKETS BOND FUND (PYEMX) |
| PIMCO LONG DURATION TOTAL RETURN FUND (PLRPX) |
| PIMCO HIGH YIELD FUND (PHSPX) |
| PRINCIPAL BLUE CHIP FUND (WIBCX) |
| PRINCIPAL CAPITAL APPRECIATION FUND (PWCIX) |
| PRINCIPAL REAL ESTATE SECURITIES FUND CLASS R-6 (PRLEX) |
| PRINCIPAL SMALL CAP GROWTH FUND I CLASS R-6 (SGRIX) |
| PUTNAM LARGE CAP VALUE FUND CLASS R6 (PMVYX) |
| ROYCE SMALL CAP OPPORTUNITY FUND INSTITUTIONAL CLASS (RGFAX) |
| T. ROWE PRICE OVERSEAS STOCK FUND I CLASS (TROSX) |
| WCM FOCUSED EMERGING MARKET FUND INSTITUTIONAL CLASS (WCMEX) |
| WESTERN ASSET EMERGING MARKETS DEBT FUND CLASS I (SEMDX) |
Investment model portfolios
We provide two types of investment model portfolios for HILL & WILKINSON CONSTRUCTION GROUP, LTD. 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 HILL & WILKINSON CONSTRUCTION GROUP, LTD. 401(K) PLAN