Investment options of MIRICK, O'CONNELL, DEMALLIE & LOUGEE, LLP SAVINGS AND RETIREMENT PLAN AND TRUST
Total Available Funds: 25
| Investment Description |
|---|
| LOOMIS SAYLES SMALL CAP GROWTH FUND |
| T. ROWE PRICE VALUE FUND |
| COLUMBIA SMALL CAP VALUE FUND II |
| MAINSTAY WINSLOW LARGE CAP GROWTH FUND |
| METROPOLITAN WEST TOTAL RETURN BOND FUND |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND |
| FIDELITY FREEDOM INDEX 2010 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2015 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2020 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2025 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2030 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2035 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2040 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2045 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2050 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2055 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2060 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX 2065 FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY FREEDOM INDEX INCOME FUND INSTITUTIONAL PREMIUM CLASS |
| FIDELITY U. S. BOND INDEX FUND |
| FIDELITY 500 INDEX FUND |
| FIDELITY EXTENDED MARKET INDEX FUND |
| FIDELITY GOVERNMENT MONEY MARKET FUND |
| FIDELITY TOTAL INTERNATIONAL INDEX FUND |
| MANAGED INCOME PORTFOLIO II |
Investment model portfolios
We provide two types of investment model portfolios for MIRICK, O'CONNELL, DEMALLIE & LOUGEE, LLP SAVINGS AND RETIREMENT PLAN AND TRUST 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 MIRICK, O'CONNELL, DEMALLIE & LOUGEE, LLP SAVINGS AND RETIREMENT PLAN AND TRUST