Investment options of IPSWICH SHELLFISH COMPANY INC. 401K PLAN
Total Available Funds: 29
| Investment Description |
|---|
| FA FREEDOM 2030 A |
| FID 500 INDEX |
| FA FREEDOM 2020 A |
| FA FREEDOM 2025 A |
| FA GROWTH OPPS A |
| CRLN E MID CAP GR R5 |
| MFS INTL DIVRSN R4 |
| JPM EQUITY INCOME R4 |
| FID MID CAP IDX |
| PIMCO INCOME A |
| FA TOTAL BOND I |
| FIDELITY SELF-DIRECTED BROKERAGE OPTION |
| AM CENT MD CP VAL A |
| FA FREEDOM 2050 A |
| FA FREEDOM 2035 A |
| FA SMALL CAP GR A |
| FA FREEDOM 2010 A |
| FA FREEDOM 2005 A |
| FA FREEDOM 2040 A |
| FID SM CAP IDX |
| FA FREEDOM 2045 A |
| FA FREEDOM 2055 A |
| FID GOVT MMKT |
| FA FREEDOM 2060 A |
| FA BALANCED I |
| UM BEHAVIORAL VAL R6 |
| FA FREEDOM INC A |
| FA FREEDOM 2015 A |
| FA STABLE VALUE I |
Investment model portfolios
We provide two types of investment model portfolios for IPSWICH SHELLFISH COMPANY INC. 401K 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 IPSWICH SHELLFISH COMPANY INC. 401K PLAN