Investment options of KVK-TECH, INC. 401K PLAN
Total Available Funds: 28
| Investment Description |
|---|
| ALLSPRING SPECIAL MID CAP VALUE FUND - CLASS R6 |
| FRANKLIN SMALL CAP VALUE FUND CLASS R |
| T. ROWE PRICE RETIREMENT 2040 TARGET FUND |
| T. ROWE PRICE RETIREMENT 2025 TARGET FUND |
| T. ROWE PRICE RETIREMENT 2020 TARGET FUND |
| BLACKROCK TOTAL RETURN R FUND |
| PIMCO INCOME R FUND |
| ALLSPRING DISCIPLINED US CORE R6 FUND |
| INVESTSCO OPPENHEIMER INTERNATIONAL GROWTH FUND |
| INVESTSCO DIVERSIFIED DIVIDEND FUND |
| T. ROWE PRICE RETIREMENT 2035 TARGET FUND |
| T. ROWE PRICE RETIREMENT 2010 TARGET FUND |
| GOLDMAN SACHS SMALL CAP VALUE R FUND |
| JANUS HENDERSON TRITON R FUND |
| T. ROWE PRICE RETIREMENT 2055 TARGET FUND |
| T. ROWE PRICE GROWTH STOCK FUND R CLASS |
| T. ROWE PRICE RETIREMENT BALANCED FUND |
| T. ROWE PRICE RETIREMENT 2015 TARGET FUND |
| T. ROWE PRICE RETIREMENT 2045 TARGET FUND |
| T. ROWE PRICE RETIREMENT 2030 TARGET FUND |
| PRINCIPAL MIDCAP R3 FUND |
| GOLDMAN SACHS INTERNATIONAL EQUITY INCOME FUND |
| T. ROWE PRICE RETIREMENT 2050 TARGET FUND |
| INVESCO STABLE ASSET FUND |
| STATE STREET S&P MIDCAP INDEX NON-LENDING SERIES FUND |
| STATE STREET RUSSELL SMALL CAP INDEX SECS LENDING SERIES FUND |
| STATE STREET INTERNATIONAL INDEX SECURITIES LENDING SERIES FUND |
| STATE STREET S&P 500 INDEX SECURITIES LENDING SERIES FUND |
Investment model portfolios
We provide two types of investment model portfolios for KVK-TECH, 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 KVK-TECH, INC. 401K PLAN