Investment options of LJA ENGINEERING, INC. 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| Fidelity 500 Index Fund 66,258 shares |
| Fidelity Freedom Index 2040 Fund Institutional Premium Class 475,258 shares |
| JPMorgan Large Cap Growth Fund Class R6 110,907 shares |
| Fidelity Freedom Index 2035 Fund Institutional Premium Class 388,811 shares |
| Fidelity Freedom Index 2055 Fund Institutional Premium Class 341,953 shares |
| Fidelity Freedom Index 2050 Fund Institutional Premium Class 276,563 shares |
| Fidelity Freedom Index 2030 Fund Institutional Premium Class 351,771 shares |
| Fidelity Freedom Index 2045 Fund Institutional Premium Class 273,214 shares |
| Fidelity Freedom Index 2025 Fund Institutional Premium Class 335,219 shares |
| Fidelity Freedom Index 2060 Fund Institutional Premium Class 332,420 shares |
| Fidelity International Index Fund 89,765 shares |
| Fidelity Mid Cap Index Fund 104,933 shares |
| Allspring Core Plus Bond Fund Class R6 318,863 shares |
| Fidelity Small Cap Index Fund 122,904 shares |
| Fidelity Freedom Index 2065 Fund Institutional Premium Class 155,779 shares |
| PIMCO Income Fund Institutional Class 176,771 shares |
| Fidelity Freedom Index 2020 Fund Institutional Premium Class 116,467 shares |
| Avantis Emerging Markets Equity Fund Institutional Class 156,553 shares |
| T. Rowe Price Global Stock Fund I Class 25,096 shares |
| BlackRock Balanced Fund Class K 43,608 shares |
| Fidelity Freedom Index 2015 Fund Institutional Premium Class 19,162 shares |
| Fidelity Freedom Index Income Fund Institutional Premium Class 1,203 shares |
| Fidelity Freedom Index 2010 Fund Institutional Premium Class 1,070 shares |
| Fidelity Freedom Index 2070 Fund Institutional Premium Class 342 shares |
| Putnam Large Cap Value Fund Fee Class R1 181,747 shares |
Investment model portfolios
We provide two types of investment model portfolios for LJA ENGINEERING, INC. 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 LJA ENGINEERING, INC. 401(K) PLAN