Investment options of INGERMAN GROUP 401(K) PLAN
Total Available Funds: 31
| Investment Description |
|---|
| BNY Mellon Bond Market Index Class I |
| Vanguard Inflation Protected Securities Admiral Shares |
| Vanguard Extended Market Index Admiral Shares |
| Vanguard Short Term Investment Grade Admiral Shares |
| Vanguard Mid Cap Index Admiral Shares |
| Vanguard Small Cap Index Admiral Shares |
| Vanguard Small Cap Growth Index Admiral Shares |
| Vanguard Mid Cap Growth Index Admiral Shares |
| Vanguard Mid Cap Value Index Admiral Shares |
| Vanguard Small Cap Value Index Admiral Shares |
| Vanguard Emerging Markets Stock Index Admiral Shares |
| Vanguard Value Index Admiral Shares |
| Vanguard Growth Index Admiral Shares |
| Vanguard Information Technology Index Admiral Shares |
| Fidelity 500 Index |
| Fidelity International Index |
| Lincoln Yourpath Ishares 2015 Moderate |
| Lincoln Yourpath Ishares 2020 Moderate |
| Lincoln Yourpath Ishares 2025 Moderate |
| Lincoln Yourpath Ishares 2030 Moderate |
| Lincoln Yourpath Ishares 2035 Moderate |
| Lincoln Yourpath Ishares 2040 Moderate |
| Lincoln Yourpath Ishares 2045 Moderate |
| Lincoln Yourpath Ishares 2050 Moderate |
| Lincoln Yourpath Ishares 2055 Moderate |
| Lincoln Yourpath Ishares 2060 Moderate |
| Lincoln Yourpath Ishares 2065 Moderate |
| Lincoln Yourpath Ishares 2050 Aggressive |
| Lincoln Yourpath Ishares 2060 Aggressive |
| Lincoln Yourpath Ishares 2065 Aggressive |
| Fidelity MIP Class I |
Investment model portfolios
We provide two types of investment model portfolios for INGERMAN GROUP 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 INGERMAN GROUP 401(K) PLAN