Investment options of SIMPRO SOFTWARE LIMITED 401(K) PLAN
Total Available Funds: 26
| Investment Description |
|---|
| Vanguard Target Retirement 2050 Fund Pooled separate account n/a n/a n/a n/a |
| Vanguard Target Retirement 2055 Fund Pooled separate account n/a n/a n/a n/a |
| Vanguard Target Retirement 2040 Fund Pooled separate account n/a n/a n/a n/a |
| Vanguard Target Retirement 2045 Fund Pooled separate account n/a n/a n/a n/a |
| Vanguard Target Retirement 2030 Fund Pooled separate account n/a n/a n/a n/a |
| Vanguard Target Retirement 2060 Fund Pooled separate account n/a n/a n/a n/a |
| Fidelity 500 Index Fund Pooled separate account n/a n/a n/a n/a |
| Vanguard Target Retirement 2035 Fund Pooled separate account n/a n/a n/a n/a |
| Large Cap Growth Fund III Class – R1 Common/collective trust n/a n/a n/a n/a |
| Vanguard Target Retirement 2065 Fund Pooled separate account n/a n/a n/a n/a |
| Vanguard Target Retirement 2070 Fund Pooled separate account n/a n/a n/a n/a |
| Vanguard Short-Term Investment Grade Fund Admiral Shares Pooled separate account n/a n/a n/a n/a |
| Vanguard Mid-Cap Index Fund Admiral Shares Pooled separate account n/a n/a n/a n/a |
| Vanguard Small-Cap Index Fund Admiral Shares Pooled separate account n/a n/a n/a n/a |
| Franklin Small Cap Value Fund Class – R6 Pooled separate account n/a n/a n/a n/a |
| MFS Mid Cap Growth Fund Class – R6 Pooled separate account n/a n/a n/a n/a |
| JPMorgan Equity Income Fund Class – R6 Pooled separate account n/a n/a n/a n/a |
| American Funds New World Class – R6 Pooled separate account n/a n/a n/a n/a |
| International Growth Fund II Class- R1 Common/collective trust n/a n/a n/a n/a |
| Vanguard Target Retirement Income Fund Pooled separate account n/a n/a n/a n/a |
| Voya Intermediate Bond Fund Class – R6 Pooled separate account n/a n/a n/a n/a |
| Vanguard Target Retirement 2020 Fund Pooled separate account n/a n/a n/a n/a |
| Janus Henderson Multi-Sector Income Class – N Pooled separate account n/a n/a n/a n/a |
| Fidelity Advisor Small Cap Growth Fund Class – Z Pooled separate account n/a n/a n/a n/a |
| Mid Cap Value Fund Class – R1 Common/collective trust n/a n/a n/a n/a |
| Impax Sustainable Allocation Fund Class Institutional Pooled separate account n/a n/a n/a n/a |
Investment model portfolios
We provide two types of investment model portfolios for SIMPRO SOFTWARE LIMITED 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 SIMPRO SOFTWARE LIMITED 401(K) PLAN