Investment options of SHIFT5 INC. 401(K) PLAN
Total Available Funds: 34
| Investment Description |
|---|
| 500 Index Adm |
| Developed Mkts Index Adm |
| Mid Cap Index Adm |
| Small-Cap Value Index Adm |
| Target Retirement Income Fund |
| Target Retirement 2025 |
| Target Retirement 2030 |
| Target Retirement 2035 |
| Target Retirement 2040 |
| Target Retirement 2045 |
| Target Retirement 2050 |
| Target Retirement 2055 |
| Target Retirement 2060 |
| Target Retirement 2065 |
| Target Retirement 2070 |
| Value Index Adm |
| Carillon Eagle Mid Cap Growth R6 |
| Columbia Small Cap Value I |
| Fidelity Intl Capital Appreciation K6 |
| Hartford Core Equity R6 |
| JPMorgan Large Cap Growth R6 |
| SmallCap S&P 600 Index Instl |
| Maturing on Various Dates Until May 2029 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| Vanguard |
| Columbia |
| Principal |
| BlackRock |
| Hartford |
| Fidelity |
| Carillon |
| JP Morgan |
| Participant's Loan Account |
Investment model portfolios
We provide two types of investment model portfolios for SHIFT5 INC. 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 SHIFT5 INC. 401(K) PLAN