Investment options of NORCOM REALTY & AFFILIATES 401(K) PLAN
Total Available Funds: 15
| Investment Option List |
|---|
| DODGE AND COX INCOME REGISTERED INVESTMENT COMPANY (DODIX) |
| STATE STREET S&P 500 INDEX COMMON COLLECTIVE TRUST FUND |
| MFS GROWTH FUND REGISTERED INVESTMENT COMPANY (MQGIX) |
| DODGE AND COX STOCK FUND REGISTERED INVESTMENT COMPANY (DODFX) |
| INVESCO STABLE FUND RET COMMON COLLECTIVE TRUST FUND |
| BLACKROCK RUSSELL 2500 IDX COMMON COLLECTIVE TRUST FUND |
| DELAWARE SMALL CAP REGISTERED INVESTMENT COMPANY (RHFHX) |
| JP MORGAN MID CAP REGISTERED INVESTMENT COMPANY (DGRDX) |
| ISHARES MSCI EAFE INTRNL REGISTERED INVESTMENT COMPANY (BTMPX) |
| STATE STREET US BOND INDEX COMMON COLLECTIVE TRUST FUND (SSAFX) |
| VANGUARD INTERNATIONAL GROWTH REGISTERED INVESTMENT COMPANY (VWILX) |
| INVESCO OPPENHEIMER DEV MKTS REGISTERED INVESTMENT COMPANY (DVMFX) |
| AB SMALL CAP GROWTH REGISTERED INVESTMENT COMPANY (UTVKX) |
| VANGUARD FTSE ALL WORLD REGISTERED INVESTMENT COMPANY (VFWIX) |
| BLM MONEY FUND MONEY MARKET (SMAAX) |
Investment model portfolios
We provide two types of investment model portfolios for NORCOM REALTY & AFFILIATES 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 NORCOM REALTY & AFFILIATES 401(K) PLAN