Investment options of REDFISH LABS 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| NTX TARGET RETIREMENT 2035 N |
| NTX TARGET RETIREMENT 2030 N |
| CAL INTL RESPONSIBLE IDX R6 |
| CAL US LC CORE RESP INDEX R6 |
| 1919 SOCIALLY RESP BAL I |
| NTX TARGET RETIREMENT 2015 N |
| CAL US MC CORE RESP IDX I |
| PARNASSUS CORE EQUITY INST |
| NTX TARGET RETIREMENT 2060 N |
| CALVERT US LC VAL IDX I |
| TRILLIUM ESG GLOBAL EQUITY INS |
| NTX TARGET RETIREMENT 2045 N |
| CALVERT CORE BOND FUND I |
| CAL US LG CAP GR RESP IDX I |
| VANGUARD ST INPRO SEC IND ADM |
| CALVERT SMALL CAP FUND – R6 |
| VANGUARD FEDERAL MM INV |
| PARNASSUS MIDCAP INSTITUTIONAL |
| T. ROWE PRICE HEALTH SCI I |
| CALVERT GLBL ENRGY SOLUTIONS I |
| NTX TARGET RETIREMENT 2040 N |
| NTX TARGET RETIREMENT 2055 N |
| NTX TARGET RETIREMENT 2050 N |
Investment model portfolios
We provide two types of investment model portfolios for REDFISH LABS 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 REDFISH LABS 401(K) PLAN