Investment options of NCLC 401(K) PLAN
Total Available Funds: 23
| Investment Description |
|---|
| BROWN ADVISORY SUSTAINABLE GROWTH FUND |
| BARON INTERNATIONAL GROWTH INSTITUTIONAL |
| FIDELITY 500 INDEX INSTITUTIONAL PREMIUM |
| FIDELITY BLUE CHIP GROWTH FUND |
| OAKMARK FUND INVESTOR CLASS |
| OAKMARK INTERNATIONAL FUND INVESTOR |
| T. ROWE PRICE EMERGING MARKETS STOCK FUND |
| T. ROWE PRICE QM US SMALL-CAP GROWTH EQ |
| VANGUARD MID-CAP VALUE INDEX ADMIRAL |
| WASATCH SMALL CAP VALUE FUND |
| SIA TARGET DATE 2020 CLASS |
| SIA TARGET DATE 2021 CLASS |
| SIA TARGET DATE 2022 CLASS |
| SIA TARGET DATE 2023 CLASS |
| SIA TARGET DATE 2024 CLASS |
| SIA TARGET DATE 2025 CLASS |
| SIA TARGET DATE 2026 CLASS |
| SIA TARGET DATE 2027 CLASS |
| SIA TARGET DATE 2028 CLASS |
| SIA TARGET DATE 2029 CLASS |
| SIA TARGET DATE 2030 CLASS |
| ARTISAN PARTNER MID CAP GROWTH |
| COHEN & STEERS REALTY SHARES |
Investment model portfolios
We provide two types of investment model portfolios for NCLC 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 NCLC 401(K) PLAN