Investment options of PLASTER & WALD CONSULTING CORP. 401(K) PROFIT SHARING PLAN AND TRUST
Total Available Funds: 37
| Investment Description |
|---|
| ALLSPRING SPECIAL MID CAP VALUE INST |
| AMERICAN BEACON INTL EQUITY R5 |
| AMERICAN FUNDS NEW PERSPECTIVE R6 |
| DFA INFLATION-PROTECTED SECURITIES I |
| FIDELITY INTERNATIONAL CAPITAL APPREC |
| GOLDMAN SACHS SMALL CP VAL INSIGHTS R6 |
| JPMORGAN EMERGING MARKETS EQUITY R6 |
| JPMORGAN SMALL CAP CORE I |
| JPB20C |
| JPB25C |
| JPB30C |
| JPB35C |
| JPB40C |
| JPB45C |
| JPB50C |
| JPB55C |
| JPB60C |
| JPBINC |
| 1AAIEX |
| 1RNPGX |
| 1FIVFX |
| 1JEMWX |
| 1TCIEX |
| 1VGSLX |
| 1GTTUX |
| 1JGSMX |
| 1TISBX |
| 1VIMAX |
| 1WFMIX |
| 1ASTLV1 |
| 1TBCIX |
| 1TIEIX |
| 1DIPSX |
| 1MPHZX |
| 1MWTIX |
| 1PIMIX |
| 1TBIIX |
Investment model portfolios
We provide two types of investment model portfolios for PLASTER & WALD CONSULTING CORP. 401(K) PROFIT SHARING PLAN AND TRUST 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 PLASTER & WALD CONSULTING CORP. 401(K) PROFIT SHARING PLAN AND TRUST