Investment options of ONRAD, INC. 401(K) PLAN
Total Available Funds: 24
| Investment Description |
|---|
| FIDELITY CASH RESERVES INTEREST-BEARING CASH |
| WELLS FARGO BANK NATL ASSN CD INTEREST-BEARING CASH |
| FID GOVT MMKT INTEREST-BEARING CASH |
| GQG PARTNERS EMERG MARKETS EQ INSTL |
| VIRTUS WESTCHESTER EVENT DRIVEN I |
| WASATCH CORE GROWTH INSTITUTIONAL |
| VICTORY ESTABLISHED VALUE FD CLASS I |
| PERFORMANCE TRUST TOTAL RETURN BOND |
| TCW GALILEO EMERGING MKTS INCOME CL I |
| DIMENSIONAL ADVISOR INTER GOV'G FIXED |
| JPMORGAN SHORT DURATION CORE PLUS I |
| OAKMARK INTL ADVISOR FUND |
| HARDING LOEVNER INTL EQUITY PORTFOLIO |
| GUGGENHEIM MACRO OPPORTUNTIES INSTL |
| JEFFERIES ASSET MGMT COMM STRATEGY ALLO |
| ISHARES TR 20+ TREAS INDEX FD |
| VANGUARD INDEX FDS VANGUARD VALUE |
| ISHARES TR LEHMAN U S AGGREGATE BD FD |
| FID CONTRAFUND |
| FID REAL ESTATE INVS |
| FID INTL DISCOVERY |
| ABF LG CAP VAL INV |
| J H ENTERPRISE T |
| AS SPL MD CP VAL ADM |
Investment model portfolios
We provide two types of investment model portfolios for ONRAD, 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 ONRAD, INC. 401(K) PLAN