Investment options of ORA, LLC 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| Comerica Bank & Trust FIT Aggressive Portfolio Class D |
| Comerica Bank & Trust FIT Balanced Portfolio Class D |
| Comerica Bank & Trust FIT Conservative Portfolio Class D |
| Comerica Bank & Trust FIT Growth Portfolio Class D |
| American Century Funds American Century Small Cap Value Fund Class R6 |
| American Funds American Balanced Fund Class R6 |
| American Funds EuroPacific Growth Fund Class R6 |
| BlackRock Funds BlackRock High Yield Bond Portfolio Class K |
| BlackRock Funds BlackRock LifePath Index 2030 Fund Class K |
| BlackRock Funds BlackRock LifePath Index 2035 Fund Class K |
| BlackRock Funds BlackRock LifePath Index 2040 Fund Class K |
| BlackRock Funds BlackRock LifePath Index 2045 Fund Class K |
| BlackRock Funds BlackRock LifePath Index 2050 Fund Class K |
| BlackRock Funds BlackRock LifePath Index 2055 Fund Class K |
| BlackRock Funds BlackRock LifePath Index 2060 Fund Class K |
| BlackRock Funds BlackRock LifePath Index 2065 Fund Class K |
| BlackRock Funds BlackRock LifePath Index Retirement Fund Class K |
| JP Morgan Investments JP Morgan Equity Income Fund Class R6 |
| MFS Funds MFS International Diversification Fund Class R6 |
| MFS Funds MFS Mid Cap Growth Fund Class R6 |
| MFS Funds MFS Mid Cap Value Fund Class R6 |
| Pear Tree Polaris Funds Polaris Foreign Value Small Cap Fund Class R6 |
| PIMCO Funds PIMCO Income Fund Institutional Class |
| PIMCO Funds PIMCO Internat. Bond Fund (US$ Hedged) Inst Class |
| Fidelity Investments Fidelity 500 Index Fund |
| Fidelity Investments Fidelity Blue Chip Growth Fund Class K6 |
| Fidelity Investments Fidelity Emerging Markets Fund – Class K |
| Fidelity Investments Fidelity Mid Cap Index Fund |
| Fidelity Investments Fidelity Select Health Care Portfolio |
| Fidelity Investments Fidelity Small Cap Index Fund |
Investment model portfolios
We provide two types of investment model portfolios for ORA, 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 ORA, LLC 401(K) PLAN