Investment options of IT COALITION 401(K) PLAN – US EMPLOYEES
Total Available Funds: 29
| Investment Option List |
|---|
| BlackRock Strategic Global Bond K (MKWIX) |
| Fidelity U.S. Bond Index (FSHBX) |
| PGIM PGIM High Yield R6 (PHYEX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Mid Cap Index (FIIMX) |
| Fidelity Small Cap Index (FSISX) |
| PIMCO RAE US Small Instl (PCFIX) |
| JPMorgan Emerging Markets Equity Fund (IJEMX) |
| Great Gray Trust Company Core Plus Bond Fund I1 (MXFDX) |
| Great Gray Trust Company flexPATH Idx Aggressive 2065 R |
| Great Gray Trust Company flexPATH Idx Conserv 2065 R1 |
| Great Gray Trust Company flexPATH Index Aggr Ret R1 |
| Great Gray Trust Company flexPATH Index Aggr 2035 R1 |
| Great Gray Trust Company flexPATH Index Aggr 2045 R1 |
| Great Gray Trust Company flexPATH Index Aggr 2055 R1 |
| Great Gray Trust Company flexPATH Index Cons Ret R1 |
| Great Gray Trust Company flexPATH Index Cons 2035 R1 |
| Great Gray Trust Company flexPATH Index Cons 2045 R1 |
| Great Gray Trust Company flexPATH Index Cons 2055 R1 |
| Great Gray Trust Company flexPATH Index Mod Ret R1 |
| Great Gray Trust Company flexPATH Index Mod 2035 R1 |
| Great Gray Trust Company flexPATH Index Mod 2045 R1 |
| Great Gray Trust Company flexPATH Index Mod 2055 R1 |
| Great Gray Trust Company flexPATH Index Moderate 2065 R |
| SEI Trust Company Cohen & Steers US Realty RS (CSRIX) |
| Great Gray Trust Company Large Cap Growth Fund III I1 (MXLGX) |
| Great Gray Trust Company Small Cap Growth II Class I1 (MXMSX) |
| Great Gray Trust Company Wilmington Lg Cap Value I1 (WLUIX) |
| Great Gray Trust Company BlackRock EAFE Equity Idx Cl |
Investment model portfolios
We provide two types of investment model portfolios for IT COALITION 401(K) PLAN – US EMPLOYEES 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 IT COALITION 401(K) PLAN – US EMPLOYEES