Investment options of KIN AND CARTA 401(K) PLAN
Total Available Funds: 40
| Investment Description |
|---|
| Blackrock Mult-Asset Income Portfolio |
| Blackrock Strategic Completion |
| State Street Target Retirement Income |
| State Street Target Retirement 2025 |
| State Street Target Retirement 2030 |
| State Street Target Retirement 2045 |
| State Street Target Retirement 2050 |
| State Street Target Retirement 2055 |
| State Street Target Retirement 2060 |
| State Street Target Retirement 2065 |
| State Street Target Retirement 2035 |
| State Street Target Retirement 2040 |
| Mercer Mercer International Stock |
| Mercer International Stock |
| Mercer Mercer Small Mid/Cap Stock Fund |
| Mercer US Small/Mid Cap Stock |
| Mercer Mercer Diversified Bond |
| Mercer US Bond |
| Rates from 4.25% to 9.50% – |
| 1BKMIX 106,607.53 |
| 1BRSCNM 314,841.86 |
| 1SSTRIV 14,644.08 |
| 1SSTC25 90,943.63 |
| 1SSTC30 1,076,668.06 |
| 1SSTC45 3,376,090.96 |
| 1SSTC50 7,574,124.04 |
| 1SSTC55 10,011,779.78 |
| 1SSTC60 4,724,363.31 |
| 1SSTC65 737,524.94 |
| 1SSTC35 862,916.86 |
| 1SSTC40 3,635,794.76 |
| 1MERINS 890,040.74 |
| 1MERSSE 1,416,614.78 |
| 1MERSMD 606,217.46 |
| 1MERSSR 1,476,306.96 |
| 1MERSS5 8,206,488.76 |
| 1MERDBD 260,268.68 |
| 1MERSSB 797,334.33 |
| 1IVSVB1 260,941.85 |
| FORFEITURES 118,379.56 |
Investment model portfolios
We provide two types of investment model portfolios for KIN AND CARTA 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 KIN AND CARTA 401(K) PLAN