Investment options of STELLAR INNOVATIONS & SOLUTION 401(K) PROFIT SHARING PLAN AND TRUST
Total Available Funds: 26
| Investment Description |
|---|
| The American Funds American Funds New Prsp R6 Fnd |
| Dimensional Fund Advisors DFA Infl Protected Sec I Fund |
| Dimensional Fund Advisors DFA US Vector Eq Prtf Inst Fd |
| Fidelity Investments Fidelity Adv Eq Growth Z Fund |
| Fidelity Investments Fidelity Adv Growth Opp Z Fund |
| Fidelity Investments Fidelity Advisor Balance Z Fd |
| Fidelity Investments Fidelity Mid Cp |
| Fidelity Investments Fidelity Sm Cap |
| Fidelity Investments Fidelity |
| JP Morgan Funds JP Morgan Sm Cp Growth R6 Fund |
| MFS Investment Management MFS Intl Diversification R6 Fd |
| MFS Investment Management MFS Intl Growth R6 Fund |
| PIMCO Funds PIMCO Income Institutional Fd |
| Victory Funds Victory Integ SmCap Val R6 Fd |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2020 CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2025 CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2030 CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2035 CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2040 CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2045 CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2050 CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2055 CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr Inc CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2060 CIT Z |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2065 CIT Z |
| Rwecievable From Participants) 4.25% – 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for STELLAR INNOVATIONS & SOLUTION 401(K) PROFIT SHARING PLAN AND 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 STELLAR INNOVATIONS & SOLUTION 401(K) PROFIT SHARING PLAN AND TRUST