Investment options of SGI 401(K) PLAN
Total Available Funds: 58
| Investment Description |
|---|
| Allspring SMID Cap Growth Retirement Option |
| American Funds AMCAP Retirement Option |
| American Funds American Mutual Retirement Option |
| American Funds Bond Fund of America Retirement Option |
| American Funds Capital World Growth & Income Retirement Option |
| American Funds Europacific Gr Retirement Option |
| American Funds Fundamental Investors Retirement Option |
| American Funds Growth Fund of America Retirement Option |
| American Funds Inflation Linked Bond Retirement Option |
| American Funds New Perspective Retirement Option |
| American Funds New World Retirement Option |
| American Funds Washington Mutual Investors Retirement Option |
| BlackRock Capital Appreciation Retirement Option |
| BlackRock High Yield Portfolio Retirement Option |
| BlackRock Mid-Cap Growth Equity Retirement Option |
| Federated Hermes MDT Small Cap Core Retirement Option |
| Franklin Templeton Investments DynaTech Retirement Option |
| Goldman Sachs Global Core Fixed Income Retirement Option |
| Goldman Sachs International Small Cap Insights Retirement Option |
| Hartford Funds Dividend and Growth Retirement Option |
| Hartford Funds Equity Income Retirement Option |
| Hartford Funds Schroders International Multi-Cap Value Retirement Option |
| Invesco Comstock Retirement Option |
| Invesco Core Plus Bond Retirement Option |
| Invesco Global Retirement Option |
| JPMorgan Mid Cap Value Retirement Option |
| JPMorgan Small Cap Growth Retirement Option |
| JPMorgan Small Cap Value Retirement Option |
| Janus Henderson Investors Triton Retirement Option |
| MFS Massachusetts Investors Retirement Option |
| MFS Mid Cap Value Retirement Option |
| MFS Research International Retirement Option |
| New York Life Investments Winslow Large Cap Growth Retirement Option |
| PIMCO Income Retirement Option |
| Pioneer Investments Equity Income Retirement Option |
| Pioneer Investments Strategic Income Retirement Option |
| Putnam Large Cap Value Retirement Option |
| State Street Partner Series with Transamerica Aggressive Growth Retirement Option |
| State Street Partner Series with Transamerica Conservative Retirement Option |
| State Street International Index Retirement Option |
| State Street S&P Mid Cap Index Retirement Option |
| T. Rowe Price Growth Stock Retirement Option |
| Thornburg International Growth Retirement Option |
| Transamerica Emerging Markets Debt Retirement Options |
| Transamerica High Yield Bond Retirement Option |
| Transamerica Retire on Track 2065 with American Funds Retirement Option |
| Transamerica Small/Mid Cap Value Retirement Option |
| Transamerica Retire on Track 2015 with American Funds Retirement Option |
| Transamerica Retire on Track 2020 with American Funds Retirement Option |
| Transamerica Retire on Track 2025 with American Funds Retirement Option |
| Transamerica Retire on Track 2030 with American Funds Retirement Option |
| Transamerica Retire on Track 2035 with American Funds Retirement Option |
| Transamerica Retire on Track 2040 with American Funds Retirement Option |
| Transamerica Retire on Track 2045 with American Funds Retirement Option |
| Transamerica Retire on Track 2050 with American Funds Retirement Option |
| Transamerica Retire on Track 2055 with American Funds Retirement Option |
| Transamerica Retire on Track 2060 with American Funds Retirement Option |
| Victory Trivalent Small Cap Retirement Option |
Investment model portfolios
We provide two types of investment model portfolios for SGI 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 SGI 401(K) PLAN