Investment options of IMPERIAL POOLS, INC. 401(K) PLAN
Total Available Funds: 27
| Investment Description |
|---|
| AMERICAN FUNDS AMERICAN FUNDS GROWTH FUND OF AMER R4 |
| AMERICAN FUNDS AMERICAN FUNDS FUNDAMENTAL INVS R4 |
| AMERICAN FUNDS BLACKROCK HEALTH SCIENCE OPP PORT INSTL |
| BLACKROCK AMERICAN FUNDS SMALL CAP WORLD R4 |
| DELAWARE IVY AMERICAN FUNDS TRGT DATE RET 2030 R4 |
| AMERICAN FUNDS AMERICAN FUNDS US GOVERNMENT SEC R4 |
| AMERICAN FUNDS DELAWARE IVY SCIENCE AND TECHNOLOGY A |
| AMERICAN FUNDS BLACKROCK HIGH EQUITY INCOME INSTL |
| BLACKROCK AMERICAN FUNDS NEW ECONOMY R4 |
| AMERICAN FUNDS TOUCHSTONE SMALL COMPANY A |
| TOUCHSTONE AMERICAN FUNDS CAP WORLD GR & INC R4 |
| AMERICAN FUNDS AMERICAN FUNDS TRGT DATE RET 2050 R4 |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GR R4 |
| AMERICAN FUNDS AMERICAN FUNDS INC FUND OF AMER R4 |
| AMERICAN FUNDS AMERICAN FUNDS TRGT DATE RET 2035 R4 |
| AMERICAN FUNDS AMERICAN FUNDS NEW WORLD R4 |
| AMERICAN FUNDS AMERICAN FUNDS TRGT DATE RET 2040 R4 |
| AMERICAN FUNDS AMERICAN FUNDS TRGT DATE RET 2045 R4 |
| MANNING & NAPIER MANNING & NAPIER PRO-BLEND MOD TERM S |
| BLACKROCK AMERICAN FUNDS TRGT DATE RET 2025 R4 |
| AMERICAN FUNDS BLACKROCK SUST EMER MARKETS EQUITY I |
| AMERICAN FUNDS AMERICAN FUNDS TRGT DATE RET 2055 R4 |
| MANNING & NAPIER MANNING & NAPIER PRO BLEND CONSRV TRM S |
| AMERICAN FUNDS AMERICAN FUNDS TRGT DATE RET 2015 R4 |
| AMERICAN FUNDS AMERICAN FUNDS TRGT DATE RET 2020 R4 |
| AMERICAN FUNDS AMERICAN FUNDS TRGT DATE RET 2010 R4 |
| AMERICAN FUNDS AMERICAN FUNDS U. |
Investment model portfolios
We provide two types of investment model portfolios for IMPERIAL POOLS, 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 IMPERIAL POOLS, INC. 401(K) PLAN