Investment options of STURM FINANCIAL GROUP 401(K) PROFIT SHARING PLAN
Total Available Funds: 32
| Investment Description |
|---|
| VANGUARD VANGUARD FEDERAL MONEY MARKET FUND |
| VANGUARD VANGUARD TREASURY MONEY MARKET FUND INV |
| VANGUARD VANGUARD 500 INDEX FUND ADMIRAL CLASS |
| T. ROWE PRICE T. ROWE PRICE GROWTH STOCK FUND I |
| VIRTUS CEREDEX VIRTUS CEREDEX LARGE CAP VALUE EQUITY FUND R6 |
| WELLS FARGO WELLS FARGO SPECIAL MID CAP VALUE FUND R6 |
| VANGUARD VANGUARD DEVELOPING MARKETS INDEX FUND ADMIRAL |
| VANGUARD VANGUARD SHORT‐TERM INVESTMENT GRADE ADMIRAL |
| VANGUARD VANGUARD SHORT TERM TREASURY FUND ADMIRAL |
| COHEN & STEERS COHEN & STEERS INSTITUTIONAL REALTY SHARES |
| JP MORGAN UNDISCOVERED MANAGERS BEHAVIORAL VALUE FUND CLASS R6 |
| T. ROWE PRICE T. ROWE PRICE SPECTRUM MOD ALLOCATION FUND I |
| VANGUARD VANGUARD INFLATION PROTECTED SECURITIES FUND ADMIRAL |
| VANGUARD VANGUARD MID‐CAP INDEX FUND ADMIRAL |
| DODGE & COX DODGE & COX INCOME FUND |
| DELAWARE INVESTMENTS DELAWARE EMERGING MARKETS FUND R6 |
| VANGUARD VANGUARD SMALL‐CAP INDEX FUND ADMIRAL |
| T. ROWE PRICE T. ROWE PRICE SPECTRUM MOD GROWTH ALLOCATION FUND I |
| BNY MELLON BNY MELLON GLOBAL FIXED INCOME FUND Y |
| VANGUARD VANGUARD INTERMEDIATE TERM BOND INDEX FUND ADMIRAL |
| FEDERATED FEDERATED HERMES INSTITUTIONAL HIGH YIELD BOND FUND R6 |
| JANUS HENDERSON GLOBAL EQUITY INCOME FUND N |
| T. ROWE PRICE T. ROWE PRICE SPECTRUM CONSERVATIVE ALLOCATION FUND I |
| WILMINGTON TRUST FLEXPATH INDEX + MODERATE 2025 FUND IL 3 |
| WILMINGTON TRUST FLEXPATH INDEX + MODERATE 2035 FUND IL 3 |
| WILMINGTON TRUST FLEXPATH INDEX + MODERATE 2045 FUND IL 3 |
| WILMINGTON TRUST FLEXPATH INDEX + MODERATE 2055 FUND IL 2 |
| WILMINGTON TRUST MID CAP GROWTH FUND I1 |
| WILMINGTON TRUST SMALL CAP GROWTH FUND II I1 |
| WILMINGTON TRUST FLEXPATH INDEX+ MODERATE RETIREMENT IL |
| WILMINGTON TRUST INTERNATIONAL GROWTH FUND II I1 |
| WILMINGTON TRUST FLEXPATH INDEX+ MODERATE 2065 FUND I1 |
Investment model portfolios
We provide two types of investment model portfolios for STURM FINANCIAL GROUP 401(K) PROFIT SHARING 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 STURM FINANCIAL GROUP 401(K) PROFIT SHARING PLAN