Investment options of QUALIFIED 401(K) PLAN
Total Available Funds: 37
| Investment Description |
|---|
| (cid:98) iShares ESG Aware U.S. Aggregate Bond ETF " |
| (cid:98) iShares Emerging Markets USD Bond ETF " |
| (cid:98) iShares ESG Aware MSCI EAFE ETF " |
| (cid:98) iShares ESG Aware MSCI EM ETF " |
| (cid:98) iShares ESG Aware MSCI USA ETF " |
| (cid:98) iShares ESG Aware MSCI USA Small-Cap ETF " |
| (cid:98) Goldman Sachs TreasuryAccess 01 Year ETF " |
| (cid:98) Goldman Sachs Access U.S. Aggregate Bond ETF " |
| (cid:98) Goldman Sachs ActiveBeta Emerging Markets Equity " |
| (cid:98) Goldman Sachs Access Emerging Markets USD Bond " |
| (cid:98) Goldman Sachs Access Investment Grade Corporate " |
| (cid:98) Goldman Sachs ActiveBeta Europe Equity ETF " |
| (cid:98) Goldman Sachs ActiveBeta International Equity " |
| (cid:98) Goldman Sachs ActiveBeta Japan Equity ETF " |
| (cid:98) Goldman Sachs ActiveBeta US Large Cap Equity " |
| (cid:98) Goldman Sachs ActiveBeta US Small Cap Equity ETF " |
| (cid:98) Xtrackers USD High Yield Corporate Bond " |
| (cid:98) iShares Core MSCI Emerging Markets ETF " |
| (cid:98) JPMorgan Ultra-Short Income " |
| (cid:98) iShares National AMT-Free Muni Bond ETF " |
| (cid:98) Invesco Emerging Markets Sovereign Debt ETF " |
| (cid:98) Invesco QQQ Trust " |
| (cid:98) Schwab U.S. REIT ETF " |
| (cid:98) SPDR Portfolio S&P 500 ETF " |
| (cid:98) SPDR Portfolio S&P 400 Mid Cap " |
| (cid:98) SPDR Portfolio S&P 600 Small Cap ETF " |
| (cid:98) iShares 0-5 Year TIPS Bond ETF " |
| (cid:98) iShares ESG Aware USD Corporate Bond ETF " |
| (cid:98) Vanguard Small-Cap Value ETF " |
| (cid:98) Vanguard FTSE Developed Markets " |
| (cid:98) Vanguard LongTerm Government Bond " |
| (cid:98) Vanguard Mid-Cap Value ETF " |
| (cid:98) TCW Transform 500 ETF " |
| (cid:98) Vanguard Short-Term Inflation-Protected Securities ETF " |
| (cid:98) Vanguard Value ETF " |
| (cid:98) Vanguard U.S. Large-cap Growth Equity ETF " |
| (cid:98) Vanguard FTSE Emerging Markets " |
Investment model portfolios
We provide two types of investment model portfolios for QUALIFIED 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 QUALIFIED 401(K) PLAN