Investment options of NOVASPECT INC. 401K PLAN
Total Available Funds: 32
| Investment Description |
|---|
| U.S Government Securities American Funds U.S. Government Securities Fund Class R-6 |
| Columbia Threadneedle Investments Columbia Dividend Income Fund Institutional 3 Class |
| Dodge & Cox Funds Dodge & Cox Income Fund Class X |
| Fidelity Management Trust Company Fidelity 500 Index Fund |
| Fidelity Management Trust Company Fidelity Contrafund K Fund |
| Fidelity Management Trust Company Fidelity Extended Market Index Premium Fund |
| Fidelity Management Trust Company Fidelity Freedom 2010 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2020 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2025 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2030 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2035 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2040 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2045 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2050 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2055 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2060 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2065 K Fund |
| Fidelity Management Trust Company Fidelity Freedom 2070 K Fund |
| Fidelity Management Trust Company Fidelity Freedom Income K Fund |
| Fidelity Management Trust Company Fidelity International Discovery K Fund |
| Fidelity Management Trust Company Fidelity International Index Premium Fund |
| Fidelity Management Trust Company Fidelity Mid-Cap K Fund |
| Fidelity Management Trust Company Fidelity Puritan K Fund |
| Fidelity Management Trust Company Fidelity Small Cap Index Fund |
| Fidelity Management Trust Company Fidelity US Bond Index Fund |
| Janus Henderson Group Janus Henderson Triton Fund Class I |
| PIMCO Investments LLC PIMCO Income Fund Institutional Class |
| The Vanguard Group, Inc Vanguard Inflation-Protected Securities Fund Admiral Shares |
| The Vanguard Group, Inc Vanguard Selected Value Fund Investor Shares |
| JP Morgan Undiscovered Managers Behavioral Val R6 |
| Invesco, LTD Invesco EQV Emerging Markets All Cap R6 |
| New York Life Investment Management LLC NYLI MacKay High Yield Corp Bond CI R6 |
Investment model portfolios
We provide two types of investment model portfolios for NOVASPECT INC. 401K 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 NOVASPECT INC. 401K PLAN