Investment options of MORTON SALT 401(K) SAVINGS PLAN
Total Available Funds: 29
| Investment Option List |
|---|
| Vanguard Target Retirement 2030 Institutional Class (VTHRX) |
| Vanguard Target Retirement 2040 Institutional Class (VFORX) |
| Fidelity (FDGFX) |
| Vanguard Target Retirement 2050 Institutional Class (VFIFX) |
| Vanguard Target Retirement 2020 Institutional Class (VTWNX) |
| Vanguard Target Retirement 2035 Institutional Class (VTTHX) |
| Great Gray Large Cap Growth Fund (MXLGX) |
| Vanguard Target Retirement 2045 Institutional Class (VTIVX) |
| Fidelity Small Cap (FSISX) |
| Vanguard Target Retirement 2025 Institutional Class (VTTVX) |
| Columbia Dividend Income Inst3 (GSFTX) |
| Vanguard Target Retirement 2055 Institutional Class (VFFVX) |
| Fidelity Large Cap Growth Index (FSLGX) |
| Vanguard Target Retirement 2060 Institutional Class (VTTSX) |
| Vanguard Explorer ADM (VAARX) |
| Fidelity US Bond (FSHBX) |
| Vanguard Target Retirement Income Investor Class (VTINX) |
| Prudential Core Plus Bond Trust (TAIBX) |
| Vanguard Target Retirement 2065 Institutional Class (VSXFX) |
| MFS Intl Intrinsic Value R6 (GMVMX) |
| Fidelity Mid Cap (FIIMX) |
| Vanguard International Growth Fund (VWILX) |
| Janus Henderson Enterprise N (JMGRX) |
| Victory Sycamore Established Value R6 (GETGX) |
| American Fund Balanced R6 (AABNX) |
| JP Morgan Undisc MGRS Behavioral Value R6 |
| Vanguard Target Retirement 2070 Institutional Class (VSVNX) |
| Principal Dividend Real Asset R6 (PDSKX) |
| 9.50% with various due dates -0- |
Investment model portfolios
We provide two types of investment model portfolios for MORTON SALT 401(K) SAVINGS 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 MORTON SALT 401(K) SAVINGS PLAN