Investment options of SAARMAN CONSTRUCTION, LTD. 401(K) RETIREMENT PLAN
Total Available Funds: 28
| Investment Description |
|---|
| TRANSAMERICA LIFE INSURANCE COMPANY AEGON BOND RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY ALLSPRING SPECIAL SM CAP |
| TRANSAMERICA LIFE INSURANCE COMPANY AMERICAN FUNDS BALANCED RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY AMERICAN FUNDS FUNDAMENTAL INVESTORS RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY AMERICAN FUNDS NEW PERSPECTIVE RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY BLACKROCK HIGH YIELD BOND RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY DFA EMERGING MARKETS PORTFOLIO RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY DFA INFLATION-PROTECTED SECURITIES PORTFOLIO RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY DFA U. S. SMALL CAP PORTFOLIO RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY JANUS HENDERSON TRITON RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY MORGAN STANLEY GROWTH RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY PIONEER EQUITY INCOME RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY PGIM TOTAL RETURN BOND RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY STATE STREET U. S. BOND INDEX RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TA VANGUARD REAL ESTATE INDEX RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TA VANGUARD TOTAL STOCK MARKET INDEX RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA INTERNATIONAL EQUITY RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA LIFEGOAL 2025 WITH BLACKROCK RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA LIFEGOAL 2030 WITH BLACKROCK RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA LIFEGOAL 2035 WITH BLACKROCK RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA LIFEGOAL 2040 WITH BLACKROCK RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA LIFEGOAL 2045 WITH BLACKROCK RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA LIFEGOAL 2050 WITH BLACKROCK RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA LIFEGOAL 2055 WITH BLACKROCK RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA LIFEGOAL 2060 WITH BLACKROCK RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA LIFEGOAL RETIREMENT WITH BLACKROCK RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA MID-CAP GROWTH RET OPT |
| TRANSAMERICA LIFE INSURANCE COMPANY TRANSAMERICA SMALL/ |
Investment model portfolios
We provide two types of investment model portfolios for SAARMAN CONSTRUCTION, LTD. 401(K) RETIREMENT 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 SAARMAN CONSTRUCTION, LTD. 401(K) RETIREMENT PLAN