Investment options of KORMAN COMMUNITIES 401(K) PLAN
Total Available Funds: 34
| Investment Description |
|---|
| American Funds Growth and Income Portfolio – Class R6 |
| American Funds Capital Income Builder – Class R6 |
| American Funds American Balanced Fund – Class R6 |
| Blackrock Mid Cap Growth Equity Portfolio – Class K |
| Blackrock High Yield Portfolio – Class K |
| Blackrock Health Sciences Opportunities Portfolio – Class K |
| Fidelity |
| Fidelity Emerging Markets |
| Fidelity Mid Cap |
| Fidelity Small Cap |
| Franklin Utilities Fund – Class R6 |
| Invesco International Small – Mid Company – Class R6 |
| John Hancock Disciplined Value Mid Cap Fund – Class R6 |
| John Hancock Bond Fund – Class R6 |
| J.P. Morgan Equity Income Fund – Class R6 |
| MFS International Growth Fund – Class R6 |
| PIMCO Income Fund – Institutional Class |
| T. Rowe Price Retirement Balanced Fund |
| T. Rowe Price Retirement 2005 Fund – I Class |
| T. Rowe Price Retirement 2010 Fund – I Class |
| T. Rowe Price Retirement 2015 Fund – I Class |
| T. Rowe Price Retirement 2020 Fund – I Class |
| T. Rowe Price Retirement 2025 Fund – I Class |
| T. Rowe Price Retirement 2030 Fund – I Class |
| T. Rowe Price Retirement 2035 Fund – I Class |
| T. Rowe Price Retirement 2040 Fund – I Class |
| T. Rowe Price Retirement 2045 Fund – I Class |
| T. Rowe Price Retirement 2050 Fund – I Class |
| T. Rowe Price Retirement 2055 Fund – I Class |
| T. Rowe Price Retirement 2060 Fund – I Class |
| T. Rowe Price Retirement 2065 Fund – I Class |
| Vanguard Industrials Index Fund – Admiral Shares |
| Vanguard Wellesley Income Fund – Admiral Shares |
| Reliance Trust Company New York Life Anchor Account Series I Class |
Investment model portfolios
We provide two types of investment model portfolios for KORMAN COMMUNITIES 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 KORMAN COMMUNITIES 401(K) PLAN