Investment options of QUALITEST GROUP 401(K) PLAN
Total Available Funds: 41
| Investment Description |
|---|
| S&P 500 Index Fund |
| State Street Target Retirement 2030 Fund |
| State Street Target Retirement 2055 Fund |
| State Street Target Retirement 2045 Fund |
| State Street Target Retirement 2040 Fund |
| State Street Target Retirement 2050 Fund |
| US Small/Mid Cap Stock Index Fund |
| State Street Target Retirement 2035 Fund |
| Mercer Small/Mid Cap Stock Fund |
| Mercer International Stock |
| State Street Target Retirement 2060 Fund |
| State Street Target Retirement 2025 Fund |
| State Street Target Retirement 2020 Fund |
| Mercer Diversified Bond Fund |
| International Stock Index Fund |
| US Bond Index Fund |
| BlackRock Strategic Completion NL M |
| State Street Target Retirement Income Fund |
| State Street Target Retirement 2065 Fund |
| 1BKMIX 231,029.96 |
| 1BRSCNM 413,124.39 |
| 1SSTRIV 358,294.39 |
| 1SSTC20 755,290.91 |
| 1SSTC25 911,793.16 |
| 1SSTC30 3,128,442.07 |
| 1SSTC45 2,074,058.35 |
| 1SSTC50 1,683,764.89 |
| 1SSTC55 2,526,277.12 |
| 1SSTC60 1,084,604.80 |
| 1SSTC65 154,047.64 |
| 1SSTC35 1,392,687.08 |
| 1SSTC40 2,001,012.06 |
| 1MERINS 1,226,952.95 |
| 1MERSSE 663,004.31 |
| 1MERSMD 1,195,376.81 |
| 1MERSSR 1,482,757.26 |
| 1MERSS5 5,044,913.23 |
| 1MERDBD 781,441.19 |
| 1MERSSB 670,921.19 |
| 1IVSVB1 769,454.38 |
| FORFEITURES 14,927.73 |
Investment model portfolios
We provide two types of investment model portfolios for QUALITEST GROUP 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 QUALITEST GROUP 401(K) PLAN