Investment options of MICROLUMEN 401(K) PLAN
Total Available Funds: 57
| Investment Description |
|---|
| T. Rowe Price All-Cap Opportunities Fund |
| Hartford Hartford Core Equity Fund Class R6 |
| Janus Henderson Balanced Fund Class N |
| JP Morgan JPMorgan SmartRetirement Blend 2030 Fund Class R6 |
| JP Morgan JPMorgan SmartRetirement Blend 2040 Fund Class R6 |
| JP Morgan JPMorgan SmartRetirement Blend 2055 Fund Class R6 |
| MFS Advisors MFS International Diversification Fund Class R6 |
| JP Morgan JPMorgan SmartRetirement Blend 2045 Fund Class R6 |
| Fidelity Mid Cap |
| JP Morgan JPMorgan SmartRetirement Blend 2035 Fund Class R6 |
| JP Morgan JPMorgan Equity Income Fund Class R6 |
| Fidelity Fidelity |
| Fidelity Small Cap Index |
| JP Morgan JPMorgan SmartRetirement Blend 2050 Fund Class R6 |
| American Century Small Cap Growth Fund Class R6 |
| JP Morgan JPMorgan Core Plus Bond Fund Class R6 |
| JP Morgan JPMorgan SmartRetirement Blend 2060 Fund Class R6 |
| Allspring Allspring Special Mid Cap Value Fund Class R6 |
| Dimensional Fund DFA Emerging Markets Core Equity I |
| JP Morgan JPMorgan SmartRetirement Blend 2025 Fund Class R6 |
| Franklin Templeton Investments Franklin Small Cap Value Fund Class R6 |
| JP Morgan JPMorgan International Equity Fund Class R6 |
| JP Morgan JPMorgan SmartRetirement Blend 2020 Fund Class R6 |
| American Funds American Fund Capital World Bond R6 Class |
| Columbia Threadneedle Investments Columbia Strategic Income Instl |
| JP Morgan JPMorgan SmartRetirement Blend Income Fund Class R6 |
| Great Gray Mid Cap Growth Fund II Class R1 |
| Participants 4.25% to 9.50%; maturing through 2035 |
| 1JIYBX 983.82 |
| 1JSYRX 49,534.16 |
| 1JBYSX 259,087.77 |
| 1JRBYX 1,654,458.90 |
| 1JPYRX 1,145,817.34 |
| 1JOBYX 1,544,638.25 |
| 1JMYAX 1,135,672.76 |
| 1JNYAX 655,915.93 |
| 1JTYBX 1,304,119.26 |
| 1JAAYX 379,092.62 |
| 1DFCEX 340,001.74 |
| 1JNEMX 100,653.74 |
| 1MDIZX 1,324,588.63 |
| 1ANODX 569,488.30 |
| 1FSSNX 846,399.88 |
| 1FRCSX 98,671.86 |
| 1FSMDX 1,083,971.31 |
| 1MCIIR1 292,522.09 |
| 1WFPRX 396,138.32 |
| 1FXAIX 711,075.25 |
| 1HAITX 2,402,959.11 |
| 1OIEJX 842,276.69 |
| 1PRWAX 4,743,920.09 |
| 1JABNX 1,659,749.50 |
| 1RCWGX 30,710.39 |
| 1LSIZX1 3,693.54 |
| 1JCPUX 487,208.96 |
| 1PCSV25 768,650.16 |
| FORFEITURES 34.30 |
Investment model portfolios
We provide two types of investment model portfolios for MICROLUMEN 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 MICROLUMEN 401(K) PLAN