Investment options of NIANTIC, INC. 401(K) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| Fidelity Freedom® Index 2055 Fund – Investor Class Registered Investment Company (FDEWX) |
| Fidelity Freedom® Index 2050 Fund – Investor Class Registered Investment Company (FFFHX) |
| Fidelity Freedom® Index 2045 Fund – Investor Class Registered Investment Company (FFFGX) |
| Fidelity Freedom® Index 2060 Fund – Investor Class Registered Investment Company (FDKNX) |
| Fidelity Freedom® Index 2040 Fund – Investor Class Registered Investment Company (FFFFX) |
| JPMorgan Large Cap Growth Fund Class R6 Registered Investment Company (SEEGX) |
| Fidelity Freedom® Index 2065 Fund – Investor Class Registered Investment Company (FAXDX) |
| Fidelity Freedom® Index 2035 Fund – Investor Class Registered Investment Company (FFTHX) |
| Fidelity Freedom® Index 2030 Fund – Investor Class Registered Investment Company (FFFEX) |
| Fidelity® Mid Cap Index Fund Registered Investment Company (FIIMX) |
| Fidelity® International Index Fund Registered Investment Company (FSSEX) |
| Fidelity® Small Cap Index Fund Registered Investment Company (FSSJX) |
| T. Rowe Price Divers Mid Cap Gr I Registered Investment Company (PMEGX) |
| Fidelity® Emerging Markets Index Fund Registered Investment Company (FZEMX) |
| Fidelity® U.S. Bond Index Fund Registered Investment Company (FBNDX) |
| Fidelity Freedom® Index 2025 Fund – Investor Class Registered Investment Company (FFTWX) |
| Allspring Special Mid Cap Value Fund Registered Investment Company (SMCDX) |
| Fidelity Freedom® Index 2020 Fund – Investor Class Registered Investment Company (FFFDX) |
| PGIM High Yield Fund- Class R6 Registered Investment Company (PHYEX) |
| JPMorgan Government Bond Fund Class R6 Registered Investment Company (HLGAX) |
| DFA Inflation- Protected Securities Portfolio Registered Investment Company (DIPSX) |
| PIMCO International Bond (USD-Hdg) Instl Registered Investment Company (OBIMX) |
| Fidelity Freedom® Index 2070 Fund – Investor Class Registered Investment Company (FRBDX) |
| Great Gray Small Cap Value III R1 Collective Trust Fund (MXLSX) |
| Great Gray Small Cap Growth II R1 Collective Trust Fund (MXMSX) |
| Great Gray International Growth II R1 Collective Trust Fund (MXIGX) |
| maturing through October 2031 0 |
Investment model portfolios
We provide two types of investment model portfolios for NIANTIC, INC. 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 NIANTIC, INC. 401(K) PLAN