Investment options of MCGINNIS LOCHRIDGE LLP SAVINGS PLUS PLAN
Total Available Funds: 29
| Investment Description |
|---|
| GALLIARD RETIREMENT INCOME FUND CLASS 35 |
| SCHWAB INDEXED RET COMPANY 2010 I |
| SCHWAB INDEXED RET COMPANY 2015 I |
| SCHWAB INDEXED RET COMPANY 2020 I |
| SCHWAB INDEXED RET COMPANY 2025 I |
| SCHWAB INDEXED RET COMPANY 2030 I |
| SCHWAB INDEXED RET COMPANY 2035 I |
| SCHWAB INDEXED RET COMPANY 2040 I |
| SCHWAB INDEXED RET COMPANY 2045 I |
| SCHWAB INDEXED RET COMPANY 2050 I |
| SCHWAB INDEXED RET COMPANY 2055 I |
| SCHWAB INDEXED RET COMPANY 2060 I |
| PERSONAL CHOICE RETIREMENT ACCOUNT |
| VANGUARD GROWTH INDEX INSTITUTIONAL |
| PIMCO TOTAL RETURN FUND |
| VANGUARD 500 INDEX ADMIRAL |
| VANGUARD VALUE INDEX ADM |
| EUROPACIFC GROWTH |
| VANGUARD MID CAP INDEX ADMIRAL |
| BNY MELLON SM MID CAP INDEX |
| AMERICAN CENTURY GOVERNMENT BOND |
| COLUMBIA SMALL CAP INDEX |
| VANGUARD MID CAP INDEX FUND |
| FIDELITY GLOBAL EX US INDEX |
| LOOMIS SAYLES SMALL CAP GROWTH CLASS I |
| VANGUARD FTSE ALL WORLD US |
| VANGUARD REIT INDEX ADMIRAL |
| AMERICAN CENTURY INFLATION ADJUSTMENT |
| DFA U. S. TARGETED VALUE CL I |
Investment model portfolios
We provide two types of investment model portfolios for MCGINNIS LOCHRIDGE LLP SAVINGS PLUS 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 MCGINNIS LOCHRIDGE LLP SAVINGS PLUS PLAN