Investment options of RICHARD AVELAR & ASSOCIATES RECONSTRUCTION SERVICES 401(K) PROFIT SHARING PLAN
Total Available Funds: 28
| Investment Description |
|---|
| AM FUNDS EUROPACIFIC GROWTH MUTUAL FUNDS |
| BLACKROCK MID CAP GROWTH INSTL MUTUAL FUNDS |
| COLUMBIA ACORN INTL SELECT MUTUAL FUNDS |
| INVESTSCO OPPENHEIMER DISCOVERY MUTUAL FUNDS |
| PARNASSUS CORE EQUITY INST MUTUAL FUNDS |
| T. ROWE PRICE BLUE CHIP GROWTH MUTUAL FUNDS |
| PIMCO INCOME FUND MUTUAL FUNDS |
| JANUS HENDERSON FORTY FD MUTUAL FUNDS |
| JPMORGAN EQUITY INCOME MUTUAL FUNDS |
| AMERICAN BEACON LARGE CAP VALUE MUTUAL FUNDS |
| COLUMBIA MID CAP VALUE MUTUAL FUNDS |
| AMERICAN CENTURY DISCIPLINED CORE MUTUAL FUNDS |
| PERMANENT PORTFOLIO MUTUAL FUNDS |
| VIRTUS ZEVENBERGEN TECHNOLOGY INSTL MUTUAL FUNDS |
| COHEN & STEERS REALTY SHARES MUTUAL FUNDS |
| JANUS HENDERSON FLEXIBLE BOND MUTUAL FUNDS |
| METROPOLITAN WEST TOTAL RETURN MUTUAL FUNDS |
| SCHWAB 1000 FUND MUTUAL FUNDS |
| VANGUARD MID CAP INDEX ADM MUTUAL FUNDS |
| AMERICAN FUNDS TARGET DATE RET 2060 MUTUAL FUNDS |
| AMERICAN FUNDS TARGET DATE RET 2055 MUTUAL FUNDS |
| AMERICAN FUNDS TARGET DATE RET 2050 MUTUAL FUNDS |
| AMERICAN FUNDS TARGET DATE RET 2045 MUTUAL FUNDS |
| AMERICAN FUNDS TARGET DATE RET 2040 MUTUAL FUNDS |
| AMERICAN FUNDS TARGET DATE RET 2035 MUTUAL FUNDS |
| AMERICAN FUNDS TARGET DATE RET 2030 MUTUAL FUNDS |
| AMERICAN FUNDS TARGET DATE RET 2025 MUTUAL FUNDS |
| AMERICAN FUNDS TARGET DATE RET 2010 MUTUAL FUNDS |
Investment model portfolios
We provide two types of investment model portfolios for RICHARD AVELAR & ASSOCIATES RECONSTRUCTION SERVICES 401(K) PROFIT SHARING 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 RICHARD AVELAR & ASSOCIATES RECONSTRUCTION SERVICES 401(K) PROFIT SHARING PLAN