Investment options of REDAPT, INC. PLAN
Total Available Funds: 37
| Investment Description |
|---|
| Fidelity Investments Fidelity Advisor Freedom 2035 Fund – Class Z |
| iShares iShares S&P 500 Index Fund – Class K |
| Fidelity Investments Fidelity Advisor Freedom 2040 Fund – Class Z |
| Fidelity Investments Fidelity Advisor Freedom 2045 Fund – Class Z |
| Fidelity Investments Fidelity Advisor Freedom 2050 Fund – Class Z |
| Fidelity Investments Fidelity Advisor Technology Fund – Class I |
| Fidelity Investments Fidelity Advisor Semi Conductors – Class I |
| T. Rowe Price Global Stock Fund Advisor Class |
| Fidelity Investments Fidelity Advisor New Insights Fund – Class I |
| Fidelity Investments Fidelity Advisor Freedom 2060 Fund – Class Z |
| Fidelity Investments Fidelity Advisor Biotechnology Fund – Class I |
| Fidelity Investments Fidelity Advisor Freedom 2055 Fund – Class Z |
| Heartland Heartland Value Fund Class Institutional |
| BNY Mellon BNY Mellon Research Growth Fund, Inc – Class Z |
| Fidelity Investments Fidelity Advisor Freedom 2030 Fund – Class Z |
| BNY Mellon BNY Mellon MidCap Index Fund Investor Shares |
| Columbia Small Cap Index Fund Class I2 Shares |
| BlackRock Natural Resources Trust Institutional Shares |
| Fidelity Investments Fidelity Advisor Energy Fund – Class I |
| Fidelity Investments Fidelity Advisor Consumer Discretionary Fund – Class I |
| Fidelity Investments Fidelity Advisor Freedom 2025 Fund – Class Z |
| Fidelity Investments Fidelity Advisor Government Income Fund – Class I |
| Fidelity Investments Fidelity Advisor Consumer Staples Fund – Class I |
| Fidelity Investments Fidelity Advisor Health Care Fund – Class I |
| Fidelity Investments Fidelity Advisor International Discovery Fund – Class I |
| iShares iShares MSCI EAFE International Index Fund – Class K |
| Fidelity Investments Fidelity Advisor Telecommunications Fund – Class I |
| Fidelity Investments Fidelity Advisor Freedom 2065 Fund – Class Z |
| Fidelity Investments Fidelity Advisor Industrials Fund – Class I |
| Fidelity Investments Fidelity Advisor Financial Services Fund – Class I |
| Fidelity Investments Fidelity Advisor Small Cap Fund – Class I |
| Fidelity Investments Fidelity Advisor Freedom 2010 Fund – Class Z |
| Fidelity Investments Fidelity Advisor Materials Fund – Class I |
| Invesco International Bond Fund – Class Y |
| Fidelity Investments Fidelity Advisor Freedom 2020 Fund – Class Z |
| Fidelity Investments Fidelity Advisor Freedom Income Fund – Class Z |
| Invesco Quality Income Fund – Class Y |
Investment model portfolios
We provide two types of investment model portfolios for REDAPT, INC. 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 REDAPT, INC. PLAN