Investment options of SCHELL & KAMPETER, INC. PROFIT SHARING PLAN
Total Available Funds: 31
| Investment Description |
|---|
| American Funds Capital World Growth and Income Fund |
| American Funds EuroPacific Growth Fund |
| Carillon Eagle Mid Cap Growth Fund |
| Dodge & Cox Income Fund |
| Fidelity |
| Fidelity Inflation Protected Bond Fund |
| Fidelity Intermediate Treasury Bond |
| Fidelity International |
| Fidelity Mid Cap |
| Fidelity Small Cap |
| Fidelity U.S. Bond |
| Hartford International Opportunities Fund |
| MainStay Large Cap Growth Fund |
| MFS Mid Cap Value Fund |
| Putnam Large Cap Value Fund |
| T. Rowe Price Retirement 2015 Fund |
| T. Rowe Price Retirement 2020 Fund |
| T. Rowe Price Retirement 2025 Fund |
| T. Rowe Price Retirement 2030 Fund |
| T. Rowe Price Retirement 2035 Fund |
| T. Rowe Price Retirement 2040 Fund |
| T. Rowe Price Retirement 2045 Fund |
| T. Rowe Price Retirement 2050 Fund |
| T. Rowe Price Retirement 2055 Fund |
| T. Rowe Price Retirement 2060 Fund |
| T. Rowe Price Retirement 2065 Fund |
| T. Rowe Price Retirement Balanced Fund |
| Vanguard Balanced |
| Vanguard Wellington Fund |
| Voya Small Cap Growth Fund |
| Wells Fargo Special Small Cap Value Fund |
Investment model portfolios
We provide two types of investment model portfolios for SCHELL & KAMPETER, INC. 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 SCHELL & KAMPETER, INC. PROFIT SHARING PLAN