Investment options of MASTECH DIGITAL, INC. 401(K) PLAN
Total Available Funds: 56
| Investment Option List |
|---|
| T.Rowe Price Retirement 2045 Fund (TRRKX) |
| T.Rowe Price Retirement 2050 Fund (TRRMX) |
| Fidelity Advisor Equity Growth Fund – Z Class (EQPGX) |
| T.Rowe Price Retirement 2040 Fund (TRRDX) |
| Fidelity (FDGFX) |
| T.Rowe Price Retirement 2055 Fund (TRRNX) |
| T.Rowe Price Retirement 2035 Fund (TRRJX) |
| T.Rowe Price Retirement 2030 Fund (TRRCX) |
| T.Rowe Price Retirement 2025 Fund (TRRHX) |
| JPMorgan U.S. Value Fund – R6 Class |
| Amundi US (Pioneer) Bond Fund – K Class (ACTKX) |
| American Century Small Cap Growth – R6 Class (ANOHX) |
| PGIM (Prudential) Jennison Mid Cap Growth – R6 (PEGZX) |
| MFS Investment Management International Growth – R6 (MQGIX) |
| BlackRock Global Allocation Fund – K Class (MGJAX) |
| Columbia Threadneedle Small Cap Value Fund II – I3 (CSCZX) |
| T.Rowe Price Retirement Balanced Fund (TRRIX) |
| Fidelity Advisor Emerging Markets Fund (FMKIX) |
| T.Rowe Price Retirement 2020 Fund (TRRBX) |
| PIMCO Income Fund – Institutional Class (PFIIX) |
| Vanguard Small Cap Index – Admiral Shares (VISVX) |
| Fidelity Mid Cap (FIIMX) |
| Fidelity International (FDIVX) |
| MFS Investment Management Limited Maturity – R6 Class (MQLIX) |
| Allspring (formerly Wells Fargo) Special Mid Cap Value – R6 Class (SMCDX) |
| Federated Hermes Capital Capital Preservation Fund – R6 Class (HIEIX) |
| at various dates through April 2041 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| FID INTERNATIONAL INDEX (HIOFX) |
| TRP RETIREMENT 2025 I (VTTVX) |
| TRP RETIREMENT BALANCED I |
| AMC SMALL CAP GROWTH – R6 (SGRIX) |
| JPMORGAN US VALUE R6 (JTVAX) |
| TRP RETIREMENT 2035 I |
| FID MID CAP INDEX |
| MFS INTERNATIONAL GROWTH R6 (MQGIX) |
| ALLSPRING SPECIAL MC VAL R6 (MC) |
| FID ADV EQUITY GROWTH – Z |
| MFS LIMITED MATURITY R6 (MQLIX) |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| TRP RETIREMENT 2050 I (AHGIX) |
| VANGUARD TOT BND MKT IND- ADM |
| TRP RETIREMENT 2040 I |
| BR GLOB ALLOC K |
| TRP RETIREMENT 2055 I (LTWIX) |
| TRP RETIREMENT 2045 I |
| COL SM CAP V FUND II I3 |
| FIDELITY ADV EMERGING MKT |
| PIONEER BOND FUND – K (LSGAX) |
| TRP RETIREMENT 2020 I |
| PIMCO INCOME FUND – INSTL (PRIFX) |
| FID 500 IND |
| PGIM JENNISON MID CAP GR R6 (PEGEX) |
| TRP RETIREMENT 2030 I |
| FEDERATED CAP PRES FUND R6 |
Investment model portfolios
We provide two types of investment model portfolios for MASTECH DIGITAL, 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 MASTECH DIGITAL, INC. 401(K) PLAN