Investment options of INGENUITY PREP 401K
Total Available Funds: 53
| Investment Description |
|---|
| Invesco LTD Collective Trust – Invesco Stable Asset 4,689.0300 |
| Janus Henderson Triton Fund 1,136.6946 |
| JP Morgan JP Morgan Mid Cap Value Fund 326.0077 |
| MFS Investment Management MFS International Diversification Fund 1,900.3597 |
| State Street Corporation State St Target Retirement Fund R3 985.6050 |
| State Street Corporation State St Global EQ EX US Index Fund 762.3046 |
| State Street Corporation State Street Small Mid Cap EQ Index Fund 405.4732 |
| State Street Corporation State St Target Retirement Fund 2060 3,223.3325 |
| JP Morgan JP Morgan US Equity Fund 1,000.3811 |
| State Street Corporation State St Target Retirement Fund 2040 7,094.1949 |
| State Street Corporation State St Target Retirement Fund 2035 2,951.8292 40,8 |
| Invesco LTD Invesco Core Bond Fund 5,852.5850 |
| State Street Corporation State St Target Retirement Fund 2045 12,469.7113 |
| State Street Corporation State St Target Retirement Fund 2020 1,388.2801 |
| JP Morgan JP Morgan US Small Company Fund 2,145.8679 |
| Allspring Global Investments Allspring Special SC Value Fund 1,854.5494 |
| American Funds Growth Fund of America 2,429.1911 |
| State Street Corporation State St Equity 500 Index Fund 449.0809 |
| State Street Corporation State St Aggregate Bond Fund 43.2910 |
| State Street Corporation State St Target Retirement Fund 2030 1,828.1382 |
| State Street Corporation State St Target Retirement Fund 2065 1,302.3536 |
| State Street Corporation State St Target Retirement Fund 2050 28,722.0353 |
| State Street Corporation State St Target Retirement Fund 2055 81,329.5523 |
| State Street Corporation State St Target Retirement Fund 2025 347.1549 |
| JP Morgan JP Morgan Equity Income Fund 2,595.5642 |
| Participant Notes Receivable Participant Notes Receivable – Interest Rate of 5.25% to 10.5% – |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| JANUS HENDERSONTRITON FUND – S |
| STATE ST TARGET RETIRE R3 |
| JPM MID CAP VALUE R3 |
| MFS INTL DIVERSIFICATION R3 |
| SST GLOBAL AC EQ EX-US IDX A |
| STATE ST SMALLMID CAP EQ IDX A |
| STATE ST TARGET RET 2060 R3 |
| JPM US EQUITY FD R3 |
| STATE ST TARGET RET 2040 R3 |
| STATE ST TARGET RET 2035 R3 |
| INVESCO CORE BND A |
| STATE ST TARGET RET 2045 R3 |
| STATE ST TARGET RET 2020 R3 |
| JPM US SMALL COMPANY FD R3 |
| ALLSPRING SPECIAL SC VAL A |
| AM FND THE GROWTH FND OF AM-R3 |
| STATE ST EQUITY 500 INDEX A |
| STATE ST AGGREGATE BOND A |
| STATE ST TARGET RET 2030 R3 |
| STATE ST TARGET RET 2065 R3 |
| STATE ST TARGET RET 2050 R3 |
| STATE ST TARGET RET 2055 R3 |
| JPM EQ INCOME FD R3 |
| STATE ST TARGET RET 2025 R3 |
| INVESCO STABLE ASSET – ADP59 |
Investment model portfolios
We provide two types of investment model portfolios for INGENUITY PREP 401K 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 INGENUITY PREP 401K