Investment options of PODIUM 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| Fidelity Investments FIDELITY 500 INDEX |
| TIAA Investments NUVEEN LARGE CAP GROWTH INDEX R6 |
| Fidelity Investments FIDELITY MID CAP INDEX |
| Fidelity Investments FIDELITY SMALL CAP INDEX |
| Fidelity Investments FIDELITY EMERGING MARKETS INDEX |
| State Street Global Advisors STATE STREET GLOBAL EQ EX-US INDEX K |
| State Street Global Advisors STATE STREET AGGREGATE BOND INDEX K |
| Victory Capital VICTORY TRIVALENT INTERNALIONAL SM-CP I |
| TIAA Investments NUVEEN LARGE CAP VALUE INDEX R6 |
| Schwab SCHWAB TREASURY INFL PROTECTED SECS IDX |
| Allspring Global Investments ALLSPRINGSPECIAL SMALLCAP VALUE R6 |
| PIMCO INCOME INSTL |
| INVESCO DISCOVERY R6 |
| American Funds AMERICAN BALANCED R6 |
| American Century RET HYBRID 2055 TRST I |
| American Century RET HYBRID 2060 TRST I |
| American Century RET HYBRID 2050 TRST I |
| Alta Trust AM1 DOMESTIC EQUITY CLASS |
| American Century RET HYBRID 2045 TRST I |
| American Century RET HYBRID 2065 TRST I |
| Alta Trust AM1 INTERNATIONAL EQUITY CLASS |
| American Century RET HYBRID 2040 TRST I |
| Alta Trust AM1 CORE FIXED INCOME CLASS |
| American Century RET HYBRID 2035 TRST I |
| Alta Trust AM1 PORTFOLIO DIVERSIFIERS CLASS |
| American Century RET HYBRID 2025 TRST I |
| Alta Trust AM1 INCOME CLASS |
| American Century RET HYBRID 2030 TRST I |
| maturing from 2025 through 2037 -0- |
Investment model portfolios
We provide two types of investment model portfolios for PODIUM 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 PODIUM 401(K) PLAN