Investment options of OPUS ONE 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| PIMCO TOTAL RETURN INSTL |
| VANGUARD 500 INDEX ADMIRAL |
| AMERICAN FUNDS EUROPACIFIC GR R6 |
| JPMORGAN EQUITY INCOME R6 |
| EMPOWER LIFETIME 2035 FUND INST |
| VANGUARD MID CAP INDEX FUND – ADMIRAL |
| VANGUARD SMALL CAP INDEX ADM |
| AMERICAN FUNDS CAPITAL WORLD G/I R6 |
| EMPOWER LIFETIME 2050 FUND INST |
| EMPOWER LIFETIME 2030 FUND INST |
| DFA REAL ESTATE SECURITIES I |
| EMPOWER T. ROWE PRICE MID CAP GR INST |
| JANUS HENDERSON TRITON N |
| T. ROWE PRICE BLUE CHIP GROWTH I |
| EMPOWER LIFETIME 2040 FUND INST |
| MFS INTERNATIONAL INTRINSIC VALUE R6 |
| VANGUARD TOTAL INTL STOCK INDEX ADMIRAL |
| EMPOWER GOVERNMENT MONEY MARKET INST |
| EMPOWER LIFETIME 2045 FUND INST |
| EMPOWER MULTI-SECTOR BOND INST |
| JPMORGAN MID CAP VALUE R6 |
| AMERICAN FUNDS FUNDAMENTAL INVESTORS R6 |
| UNDISCOVERED MGRS BEHAVIORAL VALUE R6 |
| EMPOWER LIFETIME 2055 FUND INST |
| TD AMERITRADE SDB SELF-DIRECTED BROKERAGE ACCOUNTS |
Investment model portfolios
We provide two types of investment model portfolios for OPUS ONE 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 OPUS ONE 401(K) PLAN