Investment options of OPEN TECHNOLOGY SOLUTIONS, LLC 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| Fidelity Freedom 2040 Investor # |
| Fidelity Freedom 2035 Investor # |
| Fidelity Freedom 2045 Investor # |
| Fidelity Freedom 2050 Investor # |
| Fidelity Freedom 2030 Investor # |
| Fidelity Blue Chip Growth K6 Fund # |
| Fidelity Freedom 2055 Investor # |
| Fidelity Freedom 2025 Investor # |
| Fidelity Freedom 2060 Investor # |
| JPMorgan US Equity R6 # |
| Fidelity Freedom 2020 Investor # |
| Fidelity Mid Cap Index Fund # |
| Fidelity 500 Index # |
| Fidelity US Bond Index # |
| Fidelity Small Cap Index Fund # |
| Fidelity Global ex US Index Fund # |
| Fidelity Equity Income # |
| GQG Partners Emerging Markets Equity R # |
| Fidelity Freedom 2065 Investor # |
| Cohen & Steers C&S Institutional Realty Shares Z # |
| PIMCO RAE US Small Instl # |
| Fidelity Inflation-Protected Bond Index Fund # |
| Fidelity International Capital Appreciation K6 Fund # |
| Fidelity Small Cap Growth K6 # |
| Janus Henderson Enterprise N # |
| Fidelity Freedom Index Income Investor # |
| Investments at fair value |
| Lincoln Lincoln Stable Fund # |
Investment model portfolios
We provide two types of investment model portfolios for OPEN TECHNOLOGY SOLUTIONS, LLC 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 OPEN TECHNOLOGY SOLUTIONS, LLC 401(K) PLAN