Investment options of INTELLIGENT DECISION SYSTEMS, INC. 401(K) PLAN
Total Available Funds: 63
| Investment Option List |
|---|
| JPMorgan Chase JPMorgan Large Cap Growth Fund – Class R-3 (SEEGX) |
| American Funds American Balanced Fund – Class R-4 (GBLAX) |
| iShares iShares S&P 500 Index – Class K (BSPPX) |
| American Funds 2040 Target Date Retirement – Class R-4 (REGTX) |
| Macquarie Asset Management Mid Cap Growth Fund – Class Y (VMGIX) |
| American Funds Investment Company of America – Class A (FAOOX) |
| American Funds 2025 Target Date Retirement – Class R-4 (REDTX) |
| Macquarie Asset Management Small Cap Core Fund – Class A (NSGRX) |
| American Funds Capital Income Builder Fund – Class R-4 (FBCIX) |
| American Funds 2035 Target Date Retirement – Class R-4 (REFTX) |
| American Funds New World Fund – Class R-4 (HVWBX) |
| American Funds EuroPacific Growth Fund, Class R-4 (FEPUX) |
| BlackRock T-Fund – Premier (BMMXX) |
| Fidelity Advisor New Insights Fund – Class A (FNIAX) |
| Fidelity Advisor Strategic Income Fund – Class M (FSRIX) |
| Lord Abbett Short Duration Income – Class A (LLDYX) |
| American Funds Washington Mutual Investors Fund – Class R-4 (FWMMX) |
| American Funds 2020 Target Date Retirement – Class R-4 (RECTX) |
| Janus Henderson Triton Janus Triton Fund – Class A (JSMGX) |
| iShares iShares Russell 2000 Small Cap Index Fund – Class A (BDBPX) |
| American Funds 2050 Target Date Retirement – Class R-4 (REITX) |
| Franklin Rising Dividends Fund – Class A (FRDPX) |
| Victory Victory Established Value Fund – Class A (GETGX) |
| Macquarie Asset Management Small Cap Value Fund – Class A (VISVX) |
| American Funds U.S. Government Securities Fund – Class R-4 (FSUGX) |
| PIMCO International Bond (USD-Hedged) Fund – Class A (TNBMX) |
| Victory Victory Trivalent International Small Cap Fund – Class A (MISIX) |
| Franklin Gold and Precious Metals Fund – Class A (FGADX) |
| American Funds 2015 Target Date Retirement – Class R-4 (REJTX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| JANUS HENDERSON TRITON A (JSMGX) |
| ISHARES S&P 500 INDEX K (BSPPX) |
| FRANKLIN RISING DIVIDENDS – A (FRISX) |
| AMERICAN FUNDS AMER BAL – R4 |
| LA SHORT DURATION INC – A |
| AMERICAN FUNDS EURPAC GR FD-R4 |
| AMERFDS 2025 TARG DATE RET-R4 (DRIUX) |
| FRANKLIN GOLD AND PREC METAL-A |
| PIMCO INTL BD FD USD-HED A |
| JPM LRG CP GWTH R3 |
| MACQUARIE MID CAP GROWTH Y (VMGIX) |
| MACQUARIE SMALL CAP CORE A (NSGRX) |
| FIDELITY ADV NEW INSIGHTS – A (FINSX) |
| AMERFDS 2040 TARG DATE RET-R4 (DRIHX) |
| ISHARES RUSSELL 2000 SM CAP A (BDBPX) |
| VICTORY INTL SMALL CAP A (VSVIX) |
| VICTORY ESTABLISHED VALUE A (GETGX) |
| AMERICAN FUNDS WAMU – R4 |
| AMERFDS 2015 TARG DATE RET-R4 (DRIQX) |
| AMERICAN MUTUAL R4 (AMRMX) |
| PRINCIPAL REAL EST SEC A |
| AMERFDS 2050 TARG DATE RET-R4 (DRIJX) |
| AMERICAN FUNDS INV CO AMER -R4 |
| MACQUARIE SMALL CAP VALUE – A (VISVX) |
| AMERICAN FUNDS NEW WRLD – R4 (HVWBX) |
| LORD ABBETT TOT RET A (LACFX) |
| AMERICAN CAP INC BLDER – R4 |
| AMERFDS 2020 TARG DATE RET-R4 (DRIRX) |
| AMERFDS 2035 TARG DATE RET-R4 (DRIGX) |
| FID ADV STRAT INC M |
| AM FNDS U.S. GOVT SEC FND – R4 |
| AMERFDS 2030 TARG DATE RET-R4 |
Investment model portfolios
We provide two types of investment model portfolios for INTELLIGENT DECISION SYSTEMS, 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 INTELLIGENT DECISION SYSTEMS, INC. 401(K) PLAN