Investment options of INDUS TECHNOLOGY, INC. 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| Fidelity Management & Research Fidelity |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2025 I Fd |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2035 I Fd |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2030 I Fd |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2045 I Fd |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2040 I Fd |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2050 I Fd |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2055 I Fd |
| JP Morgan Investment Mgmt Inc. JP Morgan Govt Bond R6 Fund |
| Fidelity Management & Research Fidelity Mid Cp |
| JP Morgan Investment Mgmt Inc. JP Morgan US Value R6 Fund |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2060 I Fd |
| Capital Research and Mgmt Co Amer Funds Amer Bal R6 Fd |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2020 I Fd |
| Victory Capital Management Victory Sycamore Est Val R6 Fd |
| Capital Research and Mgmt Co American Funds NewWorld R6 |
| Fidelity Management & Research Fidelity Sm Cap |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2015 I Fd |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2065 I Fd |
| Dimensional Fund Advisors DFA US Targeted Value I Fund |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2010 I Fd |
| Fidelity Management & Research Fidelity Real Est |
| Carillon Tower Advisers Carillon Eagle MidCaGwth R6 Fd |
| T. Rowe Price Associates, Inc. TRP Ret Blend 2005 I Fd |
| flexPATH Strategies Large Cap Grwth Fd III Cl R1 |
| flexPATH Strategies Core Bond R1 Fund |
| MFS Investment Management International Growth II R1 Fd |
| flexPATH Strategies Small Cap Growth Fund II R1 |
| maturing through March 2044 |
Investment model portfolios
We provide two types of investment model portfolios for INDUS TECHNOLOGY, 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 INDUS TECHNOLOGY, INC. 401(K) PLAN