Investment options of MDSA, LLC 401 (K) PLAN
Total Available Funds: 16
| Investment Description |
|---|
| Vanguard 500 Index Admiral 3,727 # |
| Fidelity Blue Chip Growth Fund Inv 6,376 # |
| Putnam Large Cap Value R6 3 0,472 # |
| MassMutual Mid Cap Growth I 3 6,205 # |
| Allspring Core Plus Bond R6 6 0,983 # |
| Vanguard Mid Cap Index Fund – Admiral 1,840 # |
| T. Rowe Price Capital Appreciation 1 5,345 # |
| Vanguard Small Cap Index Growth I 4,244 # |
| Vanguard International Growth Adm 4,729 # |
| Fidelity Small Cap Value 2 1,083 # |
| Allspring Special Mid Cap Value Inst 8,084 # |
| Dodge & Cox International Stock X 7,620 # |
| American Funds New World R6 4,806 # |
| Janus Henderson Triton T 1 1,995 # |
| Principal High Yield Inst 4 2,260 # |
| Pimco Int Bond (USD-Hedged) Instl 2 2,370 # |
Investment model portfolios
We provide two types of investment model portfolios for MDSA, LLC 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 MDSA, LLC 401 (K) PLAN