Investment options of LOADSMART, INC. 401(K) PLAN
Total Available Funds: 42
| Investment Description |
|---|
| AllSpring Allspring Special Mid Cap Value R6 |
| BlackRock Emerging Mkts K |
| BlackRock High Yield Portfolio K |
| Fidelity 500 Index |
| Fidelity Advisor Small Cap Value Z |
| Fidelity Global ex US Index |
| Fidelity Mid Cap Index |
| Fidelity Small Cap Index |
| Fidelity US Bond Index |
| JPMorgan Core Plus Bond R6 |
| JPMorgan Mid Cap Growth R6 |
| Janus Henderson Global Equity Income N |
| PIMCO Income Instl |
| PIMCO Real Return Instl |
| PIMCO RealPath Blend 2025 Institutional |
| PIMCO RealPath Blend 2030 Institutional |
| PIMCO RealPath Blend 2035 Institutional |
| PIMCO RealPath Blend 2040 Institutional |
| PIMCO RealPath Blend 2045 Institutional |
| PIMCO RealPath Blend 2050 Institutional |
| PIMCO RealPath Blend 2055 Institutional |
| PIMCO RealPath Blend 2060 Institutional |
| PIMCO RealPath Blend 2065 Institutional |
| Great Gray Trust Company, LLC International Growth Fund II Fee Class R1 |
| Great Gray Trust Company, LLC Large Cap Growth Fund II Fee Class R1 |
| Great Gray Trust Company, LLC RPAG/Wilmington Large Cap Value Fd R1 |
| Great Gray Trust Company, LLC Small Cap Growth Fund II Fee Class R1 |
| JP Morgan JPMorgan Core Plus Bd R6 |
| JPMorgan Mid Cap Gr R6 |
| Allspring Allspring Spec Mid Cap Val R6 |
| PIMCO RealPath Blend 2025 Instl |
| PIMCO RealPath Blend 2030 Instl |
| PIMCO RealPath Blend 2040 Instl |
| PIMCO RealPath Blend 2050 Instl |
| PIMCO RealPath Blend 2055 Instl |
| PIMCO RealPath Blend 2060 Instl |
| Janus Henderson Glbl Eq Inc N |
| PIMCO Inc Instl |
| Wilmington RPAG/Wilmington Lg Cap Val Fd R1 |
| Wilmington Trust Small Cap Gr Fund II Fee Class R1 |
| Wilmington Trust Intl Gr Fund II Fee Class R1 |
| Wilmington Trust Lg Cap Gr Fund II Fee Class R1 |
Investment model portfolios
We provide two types of investment model portfolios for LOADSMART, 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 LOADSMART, INC. 401(K) PLAN