Investment options of MATERIAL 401(K) PROFIT SHARING PLAN
Total Available Funds: 23
| Investment Option List |
|---|
| JP Morgan JPMorgan Equity Income Fund Class R6 (HLIEX) |
| JP Morgan JPMorgan Large Cap Growth Fund Class R6 (SEEGX) |
| Allspring Allspring Special Small Cap Val Fund R6 (ACPCX) |
| Dodge & Cox Dodge & Cox International Stock Fund (DODFX) |
| WCM Investment WCM Focused International Growth Fund Institutional Class (WCMRX) |
| Fidelity Investments Fidelity Freedom Index Income Fund – Institutional Premium Cl (FFGZX) |
| Fidelity Investments Fidelity Freedom Index 2015 Fund – Institutional Premium Clas (FIWFX) |
| Fidelity Investments Fidelity Freedom Index 2020 Fund – Institutional Premium Clas (FIWTX) |
| Fidelity Investments Fidelity Freedom Index 2025 Fund – Institutional Premium Clas (FFEDX) |
| Fidelity Investments Fidelity Freedom Index 2030 Fund – Institutional Premium Clas (FFEGX) |
| Fidelity Investments Fidelity Freedom Index 2035 Fund – Institutional Premium Clas (FFEZX) |
| Fidelity Investments Fidelity Freedom Index 2040 Fund – Institutional Premium Clas (FFIZX) |
| Fidelity Investments Fidelity Freedom Index 2045 Fund – Institutional Premium Clas (FFOLX) |
| Fidelity Investments Fidelity Freedom Index 2050 Fund – Institutional Premium Clas (FFOPX) |
| Fidelity Investments Fidelity Freedom Index 2055 Fund – Institutional Premium Clas (FFLDX) |
| Fidelity Investments Fidelity Freedom Index 2060 Fund – Institutional Premium Clas (FFLEX) |
| Fidelity Investments Fidelity Freedom Index 2065 Fund – Institutional Premium Clas (FFIKX) |
| Fidelity Investments Fidelity Freedom Index 2010 Fund – Institutional Premium Clas (FFWTX) |
| PIMCO Investment PIMCO Income Fund Institutional Class (PFIIX) |
| WASATCH CORE GR INST WASATCH CORE GR INST (WGROX) |
| Great Gray Trust Company, LLMid Cap Growth Fund R1 |
| Great Gray Trust Company, LLGreat Gray MFS Mid Cap Value Fund Class 2W (MCVIX) |
| maturing through April 2042 – |
Investment model portfolios
We provide two types of investment model portfolios for MATERIAL 401(K) PROFIT SHARING 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 MATERIAL 401(K) PROFIT SHARING PLAN