Investment options of IMD FLUID SYSTEM TECHNOLOGIES, INC. 401(K) PLAN
Total Available Funds: 51
| Investment Description |
|---|
| American Funds American Balanced Fund |
| American Funds U.S. Government Securities Fund Class R-6 |
| John Hancock Funds II Multimanager Aggressive Lifestyle Portfolio Class |
| John Hancock Funds II Blue Chip Growth Fund Class |
| John Hancock Funds II Multimanager Lifestyle Balanced Portfolio |
| John Hancock Funds II Multimanager Lifestyle Conservative Portfolio Class |
| Fidelity Contrafund Fund |
| John Hancock Opportunistic Fixed Income Fund Class |
| American Funds Investment Company of America Class R-4 |
| Tocqueville Gold Fund |
| Invesco Developing Markets Fund Class Y |
| John Hancock Funds II Capital Appreciation Fund Class |
| DFA Emerging Markets Value Portfolio Institutional Class |
| DFA U.S. Targeted Value Portfolio Institutional Class |
| John Hancock Funds II Multimanager Growth Lifestyle Portfolio Class A |
| T. Rowe Price Health Sciences Fund |
| John Hancock Funds II High Yield Fund Class |
| John Hancock Funds II International Small Cap Fund Class |
| American Funds Income Fund of America |
| John Hancock Funds International Growth Fund Class |
| Vanguard 500 Index Fund Admiral Shares |
| PGIM Jennison Mid Cap Growth Fund – Class z |
| JPMorgan U.S Equity Fund Class R5 |
| Vanguard Growth Index Fund Admiral Shares |
| Vanguard Value Index Fund Admiral Shares |
| John Hancock Funds II Multimanager 2025 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2030 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2035 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2040 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2045 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2050 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2060 Lifetime Portfolio Class |
| John Hancock Funds II Multimanager 2065 Lifetime Portfolio Class |
| JPMorgan Mid Cap Value Fund Class L |
| John Hancock Funds II Multimanager Moderate Lifestyle Portfolio Class |
| Royce Small-Cap Opportunity Investment |
| Parnassus Core Equity Fund – Investor Shares |
| Invesco Small Cap Growth Fund R5 Class |
| T. Rowe Price Science & Technology Fund Advisor Class |
| T. Rowe Price New Era Fund |
| Victory Diversified Stock Fund Class A |
| Vanguard Energy Fund Admiral Shares |
| Vanguard Mid-Cap Value |
| Vanguard Mid-Cap Growth Index Fund |
| Vanguard Small-Cap Growth Index Fund Admiral Shares |
| American Funds Washington Mutual Investor Fund |
| Oppenheimer Global Fund |
| Vanguard Explorer Fund |
| SMALLCAP World Fund |
| New World Fund |
| rates ranging from 5.25% to 10.50% – |
Investment model portfolios
We provide two types of investment model portfolios for IMD FLUID SYSTEM TECHNOLOGIES, INC. 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 IMD FLUID SYSTEM TECHNOLOGIES, INC. 401(K) PLAN