Investment options of LYDIG CONSTRUCTION, INC. 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| PUTNAM LARGE CAP VALUE Y Registered investment company |
| FIDELITY 500 INDEX Registered investment company |
| MFS INTERNATIONAL DIVERSIFICATION R3 Registered investment company |
| FIDELITY ADVIDSOR GROWTH OPPORTUNITIES Z Registered investment company |
| UNDISCOVERED MGRS BEHAVIORAL VALUE R6 Registered investment company |
| HEARTLAND MID CAP VALUE INSTITUTIONAL Registered investment company |
| PIONEER MULTI ASSET INCOME Y Registered investment company |
| PGIM HIGH-YIELD A Registered investment company |
| EATON VANCE FLOATING RATE I Registered investment company |
| FIDELITY SMALL CAP INDEX Registered investment company |
| FIDELITY MID CAP INDEX Registered investment company |
| JANUS HENDERSON ENTERPRISE I Registered investment company |
| FEDERATED HERMES KAUFMANN SMALL CP FD IS Registered investment company |
| FIDELITY ADVISOR HEALTH CARE I Registered investment company |
| BLACKROCK TECHNOLOGY OPPORTUNITIES INSTL Registered investment company |
| VANGUARD MATERIALS INDEX ADM Registered investment company |
| PARNASSUS VALUE EQUITY INVESTOR Registered investment company |
| AMERICAN FUNDS NEW WORLD R6 Registered investment company |
| FRANKLIN CONVERTIBLE SECURITIES ADV Registered investment company |
| DODGE & COX GLOBAL BOND X Registered investment company |
| T ROWE PRICE RET BLEND SELCT TRST 2025 I Collective trust |
| T ROWE PRICE RET BLEND SELCT TRST 2030 I Collective trust |
| T ROWE PRICE RET BLEND SELCT TRST 2035 I Collective trust |
| T ROWE PRICE RET BLEND SELCT TRST 2040 I Collective trust |
| T ROWE PRICE RET BLEND SELCT TRST 2045 I Collective trust |
| T ROWE PRICE RET BLEND SELCT TRST 2050 I Collective trust |
| T ROWE PRICE RET BLEND SELCT TRST 2055 I Collective trust |
| T ROWE PRICE RET BLEND SELCT TRST 2060 I Collective trust |
| T ROWE PRICE RET BLEND SELCT TRST 2065 I Collective trust |
| LARGE CAP GROWTH / JPMORGAN IINVST MGMT Pooled separate accounts |
Investment model portfolios
We provide two types of investment model portfolios for LYDIG CONSTRUCTION, 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 LYDIG CONSTRUCTION, INC. 401(K) PLAN