Investment options of INTEGRATED MANAGEMENT SERVICES 401(K) PLAN
Total Available Funds: 64
| Investment Description |
|---|
| Vanguard Target Retirement 2055 Fund – Investor Class 21,345 shares |
| Victory Integrity Small-Cap Value Fund – Class R6 684 shares |
| American Beacon Shapiro SMID Cap Equity R5 11,810 shares |
| Vanguard Dividend Growth Fund – Investor Class 33,491 shares |
| Vanguard Target Retirement 2020 Fund – Investor Class 2,662 shares |
| Franklin Small Cap Growth Fund – Â Class R6 903 shares |
| Vanguard Target Retirement 2040 Fund – Investor Class 108,286 shares |
| Vanguard Intermediate Term Bond Index Fund – Admiral Class 13,105 shares |
| Vanguard International Growth Fund – Admiral Class 1,227 shares |
| Vanguard Target Retirement 2030 Fund – Investor Class 50,132 shares |
| DFA Inflation Protected Securities Portfolio – Institutional Class 2,722 shares |
| Vanguard Target Retirement 2060 Fund – Investor Class 4,391 shares |
| Vanguard Target Retirement 2065 Fund – Investor Class 1,647 shares |
| Vanguard Target Retirement 2035 Fund – Investor Class 77,030 shares |
| Alger Spectra Fund – Class Z 13,661 shares |
| MFS International Intrinsic Value Fund – Class R6 3,903 shares |
| BNY Mellon Small/Mid Cap Growth Fund – Class Y 5,663 shares |
| JP Morgan US Small Company Fund – Class R6 7,247 shares |
| BlackRock High Yield Bond Portfolio – Class K 6,301 shares |
| Vanguard Target Retirement 2050 Fund – Investor Class 35,412 shares |
| JP Morgan Core Plus Bond Fund – Class R6 15,681 shares |
| Columbia Balanced Fund – Institutional 3 Class 2,291 shares |
| Vanguard Target Retirement 2025 Fund – Investor Class 100,293 shares |
| Vanguard Target Retirement 2045 Fund – Investor Class 52,288 shares |
| Vanguard Wellesley Income Fund – Admiral Class 503 shares |
| Vanguard Target Retirement Income Fund – Investor Class 10,673 shares |
| Vanguard Developed Markets Index Fund – Admiral Class 13,931 shares |
| DFA US Core Equity 1 Portfolio – Institutional Class 2,518 shares |
| Vanguard 500 Index Fund – Admiral Class 1,469 shares |
| DFA US Small Cap Portfolio – Institutional Class 3,657 shares |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VAN TARGET RETIRE 2055 |
| AMB SHAPIRO SMID CAP EQ R5 |
| VICTORY INTEGRITY SMCAP VAL R6 |
| VANGUARD DIV GRTH – INV |
| VAN TARGET RETIRE 2020 |
| FRANKLIN SMALL CAP GROWTH R6 |
| VANG TOT STK MKT IDX – ADMIRAL |
| VAN TARGET RETIRE 2040 |
| VANGUARD INTERMEDIATE TERM BON |
| VANGUARD INTL GRTH ADM |
| VAN TARGET RETIRE 2030 |
| DFA INFLATION PROT SEC INST |
| VAN TARG RETIRE 2060 |
| VAN TARG RETIRE 2065 |
| VAN TARGET RETIRE 2035 |
| ALGER SPECTRA FUND Z |
| MFS INTL INTRINSIC VALUE R6 |
| BNYM SM MD CP GR Y |
| JPMORGAN US SMALL COMPANY R6 |
| BLACKROCK HIGH YIELD K |
| VAN TARGET RETIRE 2050 |
| JPMORGAN CORE PLUS BOND R6 |
| COLUMBIA BALANCED FUND – I3 |
| VAN TARGET RETIRE 2025 |
| VAN TARGET RETIRE 2045 |
| VANGUARD WELLESLEY INCOME-ADMR |
| VAN TARGET RETIRE INC |
| VANGUARD DEV MKT INDEX ADMIRAL |
| DFA US CORE EQUITY 1 PORT INST |
| VANGUARD FEDERAL MM INV |
| VANGUARD 500 INDEX FUND – ADM |
| DFA US SM CAP PORTFOLIO INST |
Investment model portfolios
We provide two types of investment model portfolios for INTEGRATED MANAGEMENT SERVICES 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 INTEGRATED MANAGEMENT SERVICES 401(K) PLAN