Investment options of STERLING RESTAURANTS, LLC 401K PLAN
Total Available Funds: 51
| Investment Description |
|---|
| AMERICAN FNDS FUNDAMENT INV R 4 ,979 # |
| JPM SMARTRETIREMENT 2055 R6 1 1,015 # |
| JPM SMARTRETIREMENT 2035 R6 1 3,871 # |
| VANGUARD VALUE INDEX FUND ADM 3 ,480 # |
| JPM SMARTRETIREMENT 2030 R6 9 ,459 # |
| T ROWE PRICE BLUE CHIP GR I 8 13 # |
| JPM SMARTRETIREMENT INCOME R6 8 ,187 # |
| AMERICAN FUNDS INT GR & INC R 3 ,453 # |
| JPM SMARTRETIREMENT 2025 R6 6 ,463 # |
| LOOMIS SAYLES SMALL CAP GR N 3,375 # |
| BLACKROCK MIDCAP GROWTH EQ K 2,108 # |
| FRANKLIN SCV R6 1,271 # |
| JPM SMARTRETIREMENT 2045 R6 3 ,334 # |
| MACQUARIE EMERGING MARKETS R 3 ,426 # |
| BLACKROCK HIGH YIELD K 8,817 # |
| MFS MID CAP VALUE FUND – R6 1 ,766 # |
| JPM SMARTRETIREMENT 2020 R6 2 ,580 # |
| JPM SMARTRETIREMENT 2040 R6 1 ,861 # |
| VANGUARD SH TERM BD INDEX ADM 3 ,955 # |
| PIMCO REAL RETURN FUND – INST 4 ,007 # |
| FIRST EAGLE RISING DIVIDEND I 1 ,455 # |
| BLACKROCK T-FUND – PREMIER 3 7,168 # |
| WESTERN ASSET CORE PLUS BD IS 3 ,018 # |
| JPM SMARTRETIREMENT 2050 R6 1 ,077 # |
| Notes receivable from participants through January 2032 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VANGUARD VALUE INDEX FUND ADMR |
| BLACKROCK MIDCAP GROWTH EQ K |
| PIMCO REAL RETURN FUND – INSTL |
| LOOMIS SAYLES SMALL CAP GR N |
| T ROWE PRICE BLUE CHIP GR I |
| JPM SMARTRETIREMENT 2035 R6 |
| JPM SMARTRETIREMENT 2030 R6 |
| AMERICAN FNDS FUNDAMENT INV R6 |
| FIRST EAGLE RISING DIVIDEND I |
| JPM SMARTRETIREMENT 2040 R6 |
| JPM SMARTRETIREMENT 2020 R6 |
| VANGUARD SH TERM BD INDEX ADM |
| BLACKROCK HIGH YIELD K |
| WESTERN ASSET CORE PLUS BD IS |
| JPM SMARTRETIREMENT 2055 R6 |
| MACQUARIE EMERGING MARKETS R |
| JPM SMARTRETIREMENT 2025 R6 |
| BLACKROCK T-FUND – PREMIER |
| FRANKLIN SCV R6 |
| JPM SMARTRETIREMENT 2050 R6 |
| JPM SMARTRETIREMENT INCOME R6 |
| AMERICAN FUNDS INT GR & INC R6 |
| JPM SMARTRETIREMENT 2045 R6 |
| MFS MID CAP VALUE FUND – R6 |
Investment model portfolios
We provide two types of investment model portfolios for STERLING RESTAURANTS, LLC 401K 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 STERLING RESTAURANTS, LLC 401K PLAN