Investment options of SEGAL MCCAMBRIDGE SINGER and MAHONEY LTD. 401K PROFIT SHARING PLAN
Total Available Funds: 42
| Investment Description |
|---|
| AMERICAN FUNDS 2010 TARGET DATE R5E |
| AMERICAN FUNDS 2015 TARGET DATE R5E |
| AMERICAN FUNDS 2020 TARGET DATE R5E |
| AMERICAN FUNDS 2025 TARGET DATE R5E |
| AMERICAN FUNDS 2030 TARGET DATE R5E |
| AMERICAN FUNDS 2035 TARGET DATE R5E |
| AMERICAN FUNDS 2040 TARGET DATE R5E |
| AMERICAN FUNDS 2045 TARGET DATE R5E |
| AMERICAN FUNDS 2050 TARGET DATE R5E |
| AMERICAN FUNDS 2055 TARGET DATE R5E |
| AMERICAN FUNDS 2060 TARGET DATE R5E |
| BLACKROCK GLOBAL ALLOC I |
| BLACKROCK TOTAL RETURN FUND CLASS IS |
| COHEN & STEERS REAL ESTATE CLASS Z |
| EATON VANCE FLOATING - RATE FUND CLASS I |
| FIDELITY ADVISOR HEALTHCARE FUND - CLASS I |
| THE HARTFORD INTERNATIONAL OPPORTUNITIES FUND CLASS |
| HARTFORD WORLD BOND FUND CLASS R5 |
| INVESCO EQUALLY-WEIGHTED S&P 500 FUND CLASS Y |
| ISHARES RUSSELL MID-CAP INDEX FUND CLASS IS |
| ISHARES RUSSELL 2000 SMALL-CAP INDEX FUND CLASS IS |
| JANUS HENDERSON INVESTORS GLOBAL LIFE SCIENCES FUN |
| MFS MASSACHUSETTS INVESTORS TRUST R4 |
| T. ROWE PRICE EXTENDED EQUITY MARKET INDEX |
| T. ROWE PRICE SCIENCE & TECHNOLOGY CLASS I |
| VIRTUS NEWFLEET LOW DURATION INCOME I |
| AMERICAN FUNDS BALANCED R5E |
| AMERICAN FUNDS TARGET DATE 2065 R6 |
| FEDERATED HERMES INSTITUTIONAL HIGH YIELD BOND R6 |
| FIDELITY U.S. SUSTAINABILITY INDEX FUND |
| FRANKLIN GOLD & PRECISION METALS FUND ADVISORY |
| INVESCO DEVELOPING MARKETS FUND CLASS Y |
| INVESCO GLOBAL OPPORTUNITIES FUND CLASS Y |
| JPMORGAN EQUITY INCOME FUND R6 |
| LORD ABBETT BOND DEBENTURE FUND CLASS R5 |
| PIMCO TOTAL RETURN ESG FUND INSTITUTIONAL |
| T. ROWE PRICE BLUE CHIP GROWTH FUND |
| ALLSPRING SPECIAL MID CAP VALUE FUND |
| ALLSPRING SPECIAL SMALL CAP VALUE FUND INSTITUTION |
| INVESCO EQV ASIA PACIFIC EQUITY FUND CLASS Y |
| FIDELITY MANAGEMENT TRUST COMPANY MONEY MARKET FUND - FIDELITY GOVT MONEY MARKET |
| FIDELITY MANAGEMENT TRUST COMPANY SELF-DIRECTED BROKERAGE ACCOUNTS |
Investment model portfolios
We provide two types of investment model portfolios for SEGAL MCCAMBRIDGE SINGER and MAHONEY LTD. 401K 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 SEGAL MCCAMBRIDGE SINGER and MAHONEY LTD. 401K PROFIT SHARING PLAN