Investment options of SMART IMS 401(K) PLAN
Total Available Funds: 38
| Investment Description |
|---|
| Invesco Stable Asset Collective Trust NR |
| State Street S&P Mid Cap Index Non-lending Series Collective Trust NR |
| Series Collective Trust NR |
| State Street International Index Securities Lending Series Collective Trust NR |
| State Street S&P 500 Index Securities Lending Series Collective Trust NR |
| State Street Russell Small Cap Index Securities Lending Series Collective Trust NR |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| T.ROWE PRICE RETIREMENT 2035-R |
| ALGER CAPITAL APPR INSTIT – I |
| PGIM HIGH YIELD – A |
| TROWE PRICE RET 2005 – R |
| T.ROWE PRICE RETIREMENT 2015-R |
| T.ROWE PRICE RETIREMENT 2060-R |
| JPMORGAN CORE BOND FUND – A |
| T.ROWE PRICE RETIREMENT 2025-R |
| MACQUARIE SMALL CAP VALUE – A |
| FEDERATED HERMES INTL LEADERS |
| VIRTUS SGA EMERGING MKTS EQ A |
| PIONEER BOND FUND – A |
| DWS RREEF REAL EST SEC A |
| T.ROWE PRICE RETIREMENT 2030-R |
| JPMORGAN US SMALL COMPANY A |
| T.ROWE PRICE RETIREMENT 2045-R |
| JPMORGAN US EQUITY – A |
| T.ROWE PRICE RETIREMENT 2020-R |
| JANUS HENDERSONTRITON FUND – S |
| T.ROWE PRICE RETIREMENT 2055-R |
| T.ROWE PRICE RETIREMENT 2010-R |
| INVESCO COMSTOCK A |
| T.ROWE PRICE RETIREMENT 2050-R |
| T.ROWE PRICE RETIREMENT 2040-R |
| INVESCO STABLE ASSET |
| STATE ST INTL IDX SECLEND VIII |
| STATE ST RUSS SC IDX VIII |
| STATE ST S&P 500 IDX IX |
| STATE ST S&P MD CP IDX NL J |
| STATE US INFL PROT BD IDX NL G |
Investment model portfolios
We provide two types of investment model portfolios for SMART IMS 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 SMART IMS 401(K) PLAN