Investment options of SMA, INC. 401(K) PLAN
Total Available Funds: 29
| Investment Option List |
|---|
| PIONEER INTL GROWTH FUND II CL R1 |
| MORLEY MORLEY STABLE VALUE FD |
| PIONEER PIONEER BOND FUND TRUST CLASS (LSGAX) |
| PIONEER SMALL CAP GROWTH R1 (ORIBX) |
| ALLIANCE BERNSTEIN GLOBAL BOND FUND (IOSIX) |
| CAPITAL GROUP|AMERICAN FUNDS NEW WORLD FUND (HVWBX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2010 (REATX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2015 (REJTX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2020 (RECTX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2025 (REDTX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2030 (REETX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2035 (REFTX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2040 (REGTX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2045 (REHTX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2050 (REITX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2055 (FAJTX) |
| CAPITAL GROUP|AMERICAN FUNDS RETIREMENT TARGET DATE 2060 (CCKTX) |
| BLACKROCK HIGH YIELD BOND FUND (BHYIX) |
| MACQUARIE DELAWARE VALUE FUND (DDVIX) |
| FIDELITY 500 INDEX (FUSEX) |
| FIDELITY INTERNATIONAL INDEX (FDIVX) |
| FIDELITY MID CAP INDEX (FIIMX) |
| FIDELITY SMALL CAP INDEX (FSISX) |
| JPMORGAN VALUE ADVANTAGE FUND (JVAIX) |
| JPMORGAN LARGE CAP GROWTH R6 (SEEGX) |
| MFS MASS INV GROWTH STK FUND R6 |
| MFS MASS CAP GROWTH STK FUND R6 (OTCIX) |
| VICTORY CAPITAL ESTABLISHED VALUE FUND (GETGX) |
| VICTORY CAPITAL SMALL COMPANY OPPORTUNITIES FUND (NVSOX) |
Investment model portfolios
We provide two types of investment model portfolios for SMA, 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 SMA, INC. 401(K) PLAN