Investment options of SALT & STRAW LLC 401(K) PLAN
Total Available Funds: 21
| Investment Option List |
|---|
| American Funds Trgt Dte Rtm 2010 R6 |
| American Funds Trgt Dte Rtm 2030 R6 |
| American Funds Trgt Dte Rtm 2035 R6 |
| American Funds Trgt Dte Rtm 2040 R6 |
| American Funds Trgt Dte Rtm 2045 R6 |
| American Funds Trgt Dte Rtm 2050 R6 |
| American Funds Trgt Dte Rtm 2055 R6 |
| American Funds Trgt Dte Rtm 2060 R6 |
| American Funds Trgt Dte Rtm 2065 R6 |
| American Funds Trgt Dte Rtm 2070 R6 (FATSX) |
| Calvert Funds Calvert Us Lc Cr Rsp Idx R6 |
| Fidelity Investments Fidelity Advisor Intrnl Gr Z |
| Fidelity Investments Fidelity International Index (FDIVX) |
| Fidelity Investments Fidelity Mid Cp Index |
| Fidelity Investments Fidelity Small Cap Index (FSISX) |
| Fidelity Investments Fidelity Us Bond Index (FSHBX) |
| Fidelity Investments Fidelity 500 Index (FUSEX) |
| Fidelity Investments Fidelity Large Cap Gr Index (FLCSX) |
| Fidelity Investments Fidelity Large Cap Val Index (FLCSX) |
| PIMCO Funds PIMCO Income Institutional (PFIIX) |
| by participants' vested account balance |
Investment model portfolios
We provide two types of investment model portfolios for SALT & STRAW LLC 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 SALT & STRAW LLC 401(K) PLAN