Investment options of MARKETSTAR 401(K) PLAN
Total Available Funds: 26
| Investment Description |
|---|
| Fidelity Investments FIDELITY 500 INDEX |
| State Street Global Advisors STATE STREET AGGREGATE BOND INDEX K |
| Fidelity Investments FIDELITY MID CAP INDEX |
| State Street Global Advisors STATE STREET SMALL/MID CAP EQUITY IDX K |
| Fidelity Investments FIDELITY SMALL CAP INDEX |
| Empower Funds EMPOWER MULTI-SECTOR BOND INST |
| Fidelity Investments FIDELITY LONG TERM TREASURY BOND INDEX |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2055 I |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2040 I |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2050 I |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2045 I |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2060 I |
| BlackRock Inc. BLACKROCK EQUITY INDEX |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2035 I |
| Putnam, a Franklin Templeton Company LARGE CAP VALUE I1 |
| MFS Investment Management INTERNATIONAL GROWTH FUND II CLASS I1 |
| Lord, Abbett & Co LLC CORE BOND I1 |
| BlackRock Inc. BLACKROCK U.S. TIPS INDEX |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2030 I |
| American Century Investment Management Inc. SMALL CAP VALUE FUND II CL I1 |
| American Century Investment Management Inc. MID CAP VALUE I1 |
| Neuberger Berman SMALL CAP GROWTH L1 |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2015 I |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2025 I |
| Charles Schwab Trust Bank SCHWAB INDEXED RETIREMENT TR FD 2010 I |
| BlackRock Inc. BLACKROCK LONG TERM CREDIT INDEX FD CL |
Investment model portfolios
We provide two types of investment model portfolios for MARKETSTAR 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 MARKETSTAR 401(K) PLAN