Investment options of SMARTLINX SOLUTIONS RETIREMENT PLAN
Total Available Funds: 30
| Investment Description |
|---|
| American Beacon American Beacon Small Cap Value N/R |
| American Century Small Cap N/R |
| Cohen & Steers Cohen & Steers Institutional Realty N/R |
| Fidelity 500 Index N/R |
| Fidelity Blue Chip Growth K6 N/R |
| Fidelity Emerging Mkts K N/R |
| Fidelity Government Income Fund N/R |
| Fidelity Inflation PR Bond Index N/R |
| Fidelity International Index N/R |
| Fidelity Mid Cap Index N/R |
| Fidelity Natural Resources N/R |
| Hartford Hartford Dividend & Growth R6 N/R |
| INVS MS Small Cap R6 N/R |
| Janus Henderson GLB Technology N/R |
| JP Morgan JP Morgan Mid Cap Growth N/R |
| JP Morgan JP Morgan Core Plus Bond N/R |
| MFS Mid Cap Value R6 N/R |
| PGIM PGIM Jennison International N/R |
| Transamerica International Equity N/R |
| T.Rowe Price T.Rowe Price Retirement 2025 N/R |
| T.Rowe Price T.Rowe Price Retirement 2035 N/R |
| T.Rowe Price T.Rowe Price Retirement 2045 N/R |
| T.Rowe Price T.Rowe Price High Yield I N/R |
| T.Rowe Price T.Rowe Price Retirement 2055 N/R |
| T.Rowe Price T.Rowe Price Retirement 2050 N/R |
| T.Rowe Price T.Rowe Price Retirement 2065 N/R |
| T.Rowe Price T.Rowe Price Retirement 2040 N/R |
| T.Rowe Price T.Rowe Price Retirement 2030 N/R |
| T.Rowe Price T.Rowe Price Retirement 2020 N/R |
| T.Rowe Price T.Rowe Price Retirement 2060 N/R |
Investment model portfolios
We provide two types of investment model portfolios for SMARTLINX SOLUTIONS RETIREMENT 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 SMARTLINX SOLUTIONS RETIREMENT PLAN