Investment options of MMPS RETIREMENT PLAN
Total Available Funds: 32
| Investment Option List |
|---|
| AB Large Cap Growth Z (SNIGX) |
| Allspring Core Plus Bond R6 (GPBFX) |
| American Funds American Hi Inc Tr R6 |
| American Funds New World R6 (HVWBX) |
| American Funds Strategic Bond R6 (CANAX) |
| DFA Emerging Markets Small Cap I (DEMSX) |
| DFA International Value I (DISVX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Advisor Short Dur Hi Inc Z (FSXIX) |
| Fidelity Emerging Markets Index (FMKIX) |
| Fidelity Growth Discovery K (FDSVX) |
| Fidelity Inflation Protected Bond Index (FINPX) |
| Fidelity Large Cap Growth Index (FSLGX) |
| Fidelity Large Cap Value Index (FSLVX) |
| Fidelity Mid Cap Index (FIIMX) |
| Fidelity Small Cap Index (FSISX) |
| Fidelity US Bond Index (FSHBX) |
| Putnam Large Cap Value R6 (PMVYX) |
| Great Gray Trust American Funds 2010 I |
| Great Gray Trust American Funds 2020 I |
| Great Gray Trust American Funds 2025 I |
| Great Gray Trust American Funds 2030 I |
| Great Gray Trust American Funds 2035 I |
| Great Gray Trust American Funds 2040 I |
| Great Gray Trust American Funds 2045 I |
| Great Gray Trust American Funds 2050 I |
| Great Gray Trust American Funds 2055 I |
| Great Gray Trust American Funds 2060 I |
| Great Gray Trust American Funds 2065 I |
| Schwab Funds SDB |
| Schwab Funds SDB Roth |
| Empower EI Fixed Account – Series Class I |
Investment model portfolios
We provide two types of investment model portfolios for MMPS RETIREMENT 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 MMPS RETIREMENT PLAN