Investment options of HINSHAW & CULBERTSON ASSOCIATES 401 (K) PLAN
Total Available Funds: 39
| Investment Description |
|---|
| AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R6 |
| AMERICAN FUNDS NEW WORLD FUND CLASS R6 |
| ARIEL INVESTMENTS GLOBAL FUND INSTITUTIONAL CLASS |
| ARIEL INVESTMENTS INTERNATIONAL FUND INSTITUTIONAL CLASS |
| BLACKROCK STRATEGIC INCOME OPPURTURNITES PORTFOLIO CLASS K |
| COLUMBIA THREADNEEDLE DIVIDEND INCOME FUND INSTITUTIONAL 3 |
| DIMENSIONAL FUND ADVISORS U. S. SMALL CAP PORTFOLIO INSTIUTIONAL CLASS |
| FIDELITY INVESTMENTS GOVERNMENT MONEY MARKET FUND |
| FIDELITY INVESTMENTS 500 INDEX |
| FIDELITY INVESTMENTS BALANCED K6 FUND |
| FIDELITY INVESTMENTS CONTRAFUND K6 FUND |
| FIDELITY INVESTMENTS DIVERSIFIED INTERNATIONAL K6 FUND |
| FIDELITY INVESTMENTS EXTENDED MARKET INDEX FUND |
| FIDELITY INVESTMENTS FREEDOM 2005 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2010 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2020 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2025 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2030 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2035 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2040 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2045 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2050 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2055 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2060 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM 2065 FUND CLASS K6 |
| FIDELITY INVESTMENTS FREEDOM INCOME FUND CLASS K6 |
| FIDELITY INVESTMENTS GNMA FUND |
| FIDELITY INVESTMENTS INTERNATIONAL DISCOVERY K6 FUND |
| FIDELITY INVESTMENTS INTERNATIONAL INDEX FUND |
| FIDELITY INVESTMENTS LOW-PRICED STOCK K6 FUND |
| FIDELITY INVESTMENTS MID-CAPE STOCK FUND CLASS K |
| FIDELITY INVESTMENTS U. S. BOND INDEX FUND |
| JANUS HENDERSON GLOBAL RESEARCH I |
| JANUS HENDERSON TRITON FUND CLASS N |
| NEUBERGER BERMAN GENESIS FUND CLASS R6 |
| T. ROWE PRICE DIVIDEND GROWTH FUND I |
| T. ROWE PRICE LARGE CAP CORE GROWTH FUND I |
| VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY CL I |
| WESTERN ASSET CORE PLUS BOND FUND CLASS I |
Investment model portfolios
We provide two types of investment model portfolios for HINSHAW & CULBERTSON ASSOCIATES 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 HINSHAW & CULBERTSON ASSOCIATES 401 (K) PLAN