Investment options of INDIGO IT 401(K) PLAN
Total Available Funds: 28
| Investment Option List |
|---|
| Great Gray Trust Company BlackRock EAFE Equity Index Class |
| Cohen & Steers Cohen & Steers US Realty Fund Class RS (CSRIX) |
| Great Gray Trust Company Core Plus Bond Fund Class I1 |
| Great Gray Trust Company flexPATH Index Aggressive 2065 Class R1 |
| Great Gray Trust Company flexPATH Index Conservative 2065 Class R1 |
| Great Gray Trust Company flexPATH Index Moderate 2065 Class R1 |
| Great Gray Trust Company flexPATH Index+ Aggressive 2055 Class R1 |
| Great Gray Trust Company flexPATH Index+ Moderate 2035 Class R1 |
| Great Gray Trust Company flexPATH Index+ Moderate 2045 Class R1 |
| Great Gray Trust Company flexPATH Index+ Moderate 2055 Class R1 |
| Great Gray Trust Company International Stock Fund Class I1 |
| Great Gray Trust Company Large Cap Growth Fund III Class I1 (MXLGX) |
| Great Gray Trust Company Mid Cap Growth Class I1 |
| Great Gray Trust Company Small Cap Growth II Class I1 (MXMSX) |
| Great Gray Trust Company Small Cap Value II Class I1 (MXLSX) |
| Great Gray Trust Company Large Cap Value I1 (GLLIX) |
| Great Gray Trust Company BlackRock U.S. Debt Index Fund Class |
| Great Gray Trust Company flexPATH Index+ Aggressive Retirement Fund Class R1 |
| Great Gray Trust Company flexPATH Index+ Aggressive 2045 Fund CL R1 |
| Great Gray Trust Company flexPATH Index+ Conservative 2055 Fund Class R1 |
| Great Gray Trust Company flexPATH Index + Moderate Retirement Fund |
| Great Gray Trust Company BlackRock Equity Index Fund Class |
| Fidelity Investments Fidelity Small Cap Index |
| BlackRock, Inc. High Yield Bond Portfolio Class K |
| PIMCO Real Return Fund Institutional Class (PRLPX) |
| Fidelity Investments Mid Cap |
| American Funds New World Fund Class R6 (HVWBX) |
| Rates from 5.25% to 10.50% – |
Investment model portfolios
We provide two types of investment model portfolios for INDIGO IT 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 INDIGO IT 401(K) PLAN