Investment options of LTA RESEARCH 401(K) PLAN
Total Available Funds: 68
| Investment Description |
|---|
| For the Plan Year Beginning January 1, 2024, and Ending December 31, |
| American Funds 2025 Target Date Retirement |
| American Funds 2030 Target Date Retirement |
| American Funds 2035 Target Date Retirement |
| American Funds 2040 Target Date Retirement |
| American Funds 2045 Target Date Retirement |
| American Funds 2050 Target Date Retirement |
| American Funds 2055 Target Date Retirement |
| American Funds 2060 Target Date Retirement |
| American Funds 2065 Target Date Retirement |
| American Funds AM Balance R6 |
| American Funds Bond Fund of AM |
| American Funds Europacific Grow R6 |
| American Funds US Government Sec R6 |
| Charles Schwab S&P 500 Index Fund |
| Charles Schwab Bank Savings |
| Fuller & Thaler Behavioral Small-Cap Equity |
| Fuller & Thaler Behavioral Mid-Cap Equity |
| Goldman Sachs GQG PRT International Opps R6 |
| Goldman Sachs Small/Mid Cap Growth Fund |
| JP Morgan Large Cap Growth R6 |
| JP Morgan Equity Income R6 |
| Vanguard Small Cap Index Admiral |
| Vanguard Mid Cap Index Admiral |
| Cohen & Steers Realty Shares |
| GQG Partners Emerging Markets Equity Fund R |
| Janus Henderson Enterprise N |
| Neuberger Berman Genesis Investment |
| Oakmark R6 |
| Parnassus Core Equity Institutional |
| Pimco Income Institutional |
| Victory Nasdaq 100 Index Fund R6 |
| Charles Schwab Personal Choice Account |
| Denotes a party-in-interest |
| CHARLES SCHWAB GOLDMAN SACHS GQG PRT INTL R6 |
| CHARLES SCHWAB GQG PARTNERS EMERG MKTS EQT R6 |
| CHARLES SCHWAB JANUS HENDERSON ENTERPRISE N |
| CHARLES SCHWAB NEUBERGER BERMAN GENESIS INSTL |
| CHARLES SCHWAB VANGUARD SMALL CAP INDEX ADM |
| CHARLES SCHWAB FULLER & THALER BEHAV SM-CP EQ |
| CHARLES SCHWAB GOLDMAN SACHS SML/MID CAP GRWT |
| CHARLES SCHWAB VANGUARD MID CAP INDEX ADMIRAL |
| CHARLES SCHWAB FULLER & THALER BEHAV MD-CP VA |
| CHARLES SCHWAB VICTORY NASDAQ 100 INDEX R6 |
| CHARLES SCHWAB OAKMARK R6 |
| CHARLES SCHWAB JPMORGAN LARGE CAP GROWHT R6 |
| CHARLES SCHWAB JPMORGAN EQUITY INCOME R6 |
| CHARLES SCHWAB SCHWAB S&P |
| CHARLES SCHWAB PIMCO INCOME INSTL |
| CHARLES SCHWAB COHEN & STEERS INSTL REALTY SH |
| CHARLES SCHWAB AMERICAN FUNDS AM BALANCED R6 |
| CHARLES SCHWAB AMERICAN FUNDS US GOVT SEC R6 |
| CHARLES SCHWAB AMERICAN FUNDS BOND FUND OF AM |
| CHARLES SCHWAB SCHWAB BANK SAVINGS |
| CHARLES SCHWAB AMER FUNDS 2010 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2025 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2030 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2035 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2040 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2045 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2050 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2055 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2060 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2065 TARGET DATE R6 |
| CHARLES SCHWAB PARNASSUS CORE EQUITY INST |
| CHARLES SCHWAB AM FUNDS EUROPACIFIC GROW R6 |
| CHARLES SCHWAB PERSONAL CHOICE RET ACCOUNT |
| CHARLES SCHWAB LOAN FUND, 4.50%-9.50% |
Investment model portfolios
We provide two types of investment model portfolios for LTA RESEARCH 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 LTA RESEARCH 401(K) PLAN