Investment options of SOCI 401(K) PLAN
Total Available Funds: 53
| Investment Description |
|---|
| Fidelity Freedom Index Inc Instl Prem |
| Fidelity Freedom Index 2030 Instl Prem |
| Fidelity Freedom Index 2035 Instl Prem |
| Fidelity Freedom Index 2040 Instl Prem |
| Fidelity Freedom Index 2045 Instl Prem |
| Fidelity Freedom Index 2050 Instl Prem |
| Fidelity Freedom Index 2055 Instl Prem |
| Fidelity Freedom Index 2060 Instl Prem |
| American Funds New World R6 |
| MFS Intl Diversification R6 |
| Fidelity Small Cap Growth R6 |
| Fidelity Small Cap Index |
| Franklin Small Cap Value R6 |
| Fidelity Mid Cap Index |
| MFS Mid Cap Growth R6 |
| MFS Mid Cap Value R6 |
| Fidelity 500 Index |
| JPMorgan Equity Income R6 |
| JPMorgan Large Cap Growth R6 |
| American Funds Bond Fund of America R6 |
| Pimco Int Bond (USD-Hedged) Instl |
| Pimco Income Instl |
| Pimco Real Return Instl |
| PGIM High-Yield R6 |
| Empower Fixed Account – Series Class I |
| 1FFGZX 1,551.15 |
| 1FFEGX 345,785.45 |
| 1FFEZX 445,450.88 |
| 1FFIZX 1,055,728.75 |
| 1FFOLX 940,998.54 |
| 1FFOPX 1,714,506.00 |
| 1FFLDX 1,971,773.13 |
| 1FFLEX 1,117,299.46 |
| 1RNWGX 531,236.65 |
| 1MDIZX 528,655.18 |
| 1PJEQX 91,508.12 |
| 1FOCSX 120,463.83 |
| 1FSSNX 221,669.32 |
| 1FRCSX 38,188.69 |
| 1FSMDX 329,914.27 |
| 1OTCKX 28,396.47 |
| 1MVCKX 96,717.27 |
| 1FSKAX 539,015.38 |
| 1FXAIX 1,244,648.84 |
| 1OIEJX 289,432.61 |
| 1JLGMX 279,662.54 |
| 1RBFGX 137,052.42 |
| 1PFORX 1,792.15 |
| 1PIMIX 55,093.21 |
| 1PRRIX 35,852.94 |
| 1PHYQX 41,302.35 |
| 1GWAQ35 1.450 45,926.19 |
| FORFEITURES 239,634.06 |
Investment model portfolios
We provide two types of investment model portfolios for SOCI 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 SOCI 401(K) PLAN