Investment options of SMT 401(K) PLAN
Total Available Funds: 38
| Investment Description |
|---|
| Fidelity Inf-Pr Bond Index Fd |
| Fidelity US Bond Index Fd |
| John Hancock Bond Fund R6 |
| PIMCO Income Fund Inst |
| T Rowe T Rowe Price Credit Opport I |
| American Funds Amer Target 2020 Fund R6 |
| American Funds Amer Target 2025 Fund R6 |
| American Funds Amer Target 2030 Fund R6 |
| American Funds Amer Target 2035 Fund R6 |
| American Funds Amer Target 2040 Fund R6 |
| American Funds Amer Target 2045 Fund R6 |
| American Funds Amer Target 2050 Fund R6 |
| American Funds Amer Target 2055 Fund R6 |
| American Funds Amer Target 2060 Fund R6 |
| American Funds 2065 TD Ret R6 |
| American Funds American Balanced Fund R6 |
| Cohen & Steers Cohen & Steers Real Est Sec Z |
| Fidelity 500 Index Fd |
| JP Morgan John Hancock Disc Val MC R6 |
| JP Morgan JP Morgan Equity Income R6 |
| Vanguard Value Index Fd Adm |
| American Funds American Cent SC Growth R6 |
| Fidelity Sm Cap Index Fund |
| Franklin Sm Cap Va Fd R6 |
| Invesco Gold & Spec Min R6 |
| JP Morgan JP Morgan Large Growth R6 |
| JP Morgan JP Morgan U.S. Equity Fd R6 |
| Lord Abbett Dev Growth Fund R6 |
| Vanguard Growth Index Fd Adm |
| Vanguard Mid Cap Index Adm |
| American Funds Vanguard Small Growth Adml |
| Fidelity American New World Fund R6 |
| T. Rowe Price Global Stock I |
| Vanguard Emrg Mkts Stk Idx Ad |
| Vanguard Intl Growth Fund Adm |
| John Hancock Stable Val Fd R6 |
| John Hancock Mid Cap Growth Fund II R1 |
| Rates from 4.25% to 10.25% |
Investment model portfolios
We provide two types of investment model portfolios for SMT 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 SMT 401(K) PLAN