Investment options of SOMNIA, INC. 401(K) PLAN & TRUST
Total Available Funds: 32
| Investment Description |
|---|
| FIDELITY GOVERNMENT MONEY MARKET |
| FIDELITY CASH RESERVES |
| COL LARGE CAP IDX |
| FA FREEDOM 2035 A |
| FA NEW INSIGHTS A |
| FA FREEDOM 2025 A |
| FA FREEDOM 2050 A |
| MFS VALUE R3 |
| DE IVY SCI & TECH A |
| FA FREEDOM 2055 A |
| FIRST EAGLE GLOBAL A |
| INVS MS MID CAP A |
| INVS MAIN STREET A |
| FA FREEDOM 2045 A |
| INVS INTL DVSFD A |
| FA FREEDOM 2030 A |
| ISHARES TR |
| JPM CORE BOND A |
| FA BALANCED A |
| FA FREEDOM 2040 A |
| PGIM J MID-CAP GR A |
| PIMCO INCOME A |
| FA FREEDOM 2020 A |
| INVS DEVELOP MKT A |
| FA FREEDOM 2015 A |
| INVS EUROPEAN GR A |
| SCHWAB S & P 500 INDEX |
| FA FREEDOM 2060 A |
| COLUMBIA LARGE CAP INDEX CLASS A |
| INVESCO QQQ TR UNIT SER 1 |
| VANGUARD HIGH DIV YLD IDX ADMIRAL SHS |
| FA FREEDOM INC A |
Investment model portfolios
We provide two types of investment model portfolios for SOMNIA, INC. 401(K) PLAN & TRUST 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 SOMNIA, INC. 401(K) PLAN & TRUST