Investment options of INSURANCE RESOURCES INTERNATIONAL, INC. 401(K) PLAN
Total Available Funds: 22
| Investment Description |
|---|
| ALGER SMALL CAP FOCUS FUND CLASS Z MUTUAL FUND |
| MFS INTERNATIONAL NEW DISCOVERY R6 MUTUAL FUND |
| INVESCO DEVELOPING MARKETS R6 MUTUAL FUND |
| AMERICAN CENTURY REAL ESTATE R6 MUTUAL FUND |
| ISHARES RUSSELL 2000 SMALL-CAP INDEX K MUTUAL FUND |
| AMERICAN CENTURY MID CAP VALUE R6 MUTUAL FUND |
| ISHARES RUSSELL MID-CAP INDEX K MUTUAL FUND |
| JANUS HENDERSON ENTERPRISE N MUTUAL FUND |
| ISHARES S&P 500 INDEX K MUTUAL FUND |
| PGIM HIGH-YIELD R6 MUTUAL FUND |
| ISHARES MSCI EAFE INTERNATIONAL INDEX K MUTUAL FUND |
| PUTNAM STABLE VALUE FUND STABLE VALUE FUND |
| INTERNATIONAL STOCK R1 COLLECTIVE TRUST FUND |
| LARGE CAP GROWTH FUND CLASS R1 COLLECTIVE TRUST FUND |
| LARGE CAP VALUE FUND CLASS R1 COLLECTIVE TRUST FUND |
| AMERICAN CENTURY RETIREMENT DATE INC I COLLECTIVE TRUST FUND |
| AMERICAN CENTURY RETIREMENT 2025 COLLECTIVE TRUST FUND |
| AMERICAN CENTURY RETIREMENT 2030 COLLECTIVE TRUST FUND |
| AMERICAN CENTURY RETIREMENT 2055 COLLECTIVE TRUST FUND |
| AMERICAN CENTURY RETIREMENT 2060 COLLECTIVE TRUST FUND |
| SMALL CAP VALUE FUND II FEE CLASS R1 COLLECTIVE TRUST FUND |
| CORE PLUS BOND FUND FEE CLASS R1 COLLECTIVE TRUST FUND |
Investment model portfolios
We provide two types of investment model portfolios for INSURANCE RESOURCES INTERNATIONAL, 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 INSURANCE RESOURCES INTERNATIONAL, INC. 401(K) PLAN