Investment options of KORBYT 401(K) PLAN
Total Available Funds: 24
| Investment Option List |
|---|
| MFS International Diversification R6 (MDIJX) |
| PGIM QMA Stock Index Fund R6 (PDSIX) |
| Columbia Mgmt Investment Advisers, LLC Dividend Income Institutional (GSFTX) |
| Allspring Special MidCap Value Fund R6 (PVMIX) |
| J.P. Morgan Investment Management Inc Core Plus Bond Fund R6 |
| J.P. Morgan Investment Management Inc US Research Enhanced Equity Fund R6 |
| Carillon Eagle Mid Cap Growth Fund R6 (HRAYX) |
| Janus Henderson Triton Fund N (JSMGX) |
| American Funds American Balanced Fund R6 (GBLAX) |
| American Funds 2030 Target R6 (REETX) |
| American Funds 2035 Target R6 (REFTX) |
| American Funds 2025 Target R6 (REDTX) |
| J.P. Morgan Investment Management Inc Undisc. Mgrs. Behavioral Value Fund R6 |
| AB Funds Large Cap Growth Fund Z (TNRAX) |
| BlackRock High Yield Portfolio (BHYIX) |
| American Funds 2040 Target R6 (REGTX) |
| Columbia Mgmt Investment Advisers, LLC Mid Cap Index Fund Instl (ARMEX) |
| Principal Management Group Small Cap S&P 600 Index Fund Instl |
| American Funds 2010 Target R6 (REATX) |
| PIMCO Real Return Fund Inst (PRLPX) |
| American Funds 2020 Target R6 (RECTX) |
| Great Gray Trust Company, LLC Emerging Markets Fund II CL R1 (MCCGX) |
| Great Gray Trust Company, LLC Large Cap Growth Fund II Fee Class R1 (MXLGX) |
| 9.50% with various due dates -0- |
Investment model portfolios
We provide two types of investment model portfolios for KORBYT 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 KORBYT 401(K) PLAN