Investment options of SULLIVAN, COTTER AND ASSOCIATES, INC. 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| AMG AMG Managers Fairpointe Mid Cap N |
| COHEN & STEERS Cohen & Steers Realty |
| COLUMBIA THREADNEEDLE INVESTMENTS Columbia Select Mid Cap Growth Fund I3 |
| CONESTOGA Conestoga Small Cap Investors |
| BNY MELLON BNY Mellon Emerging Markets Securities I |
| FIDELITY INVESTMENTS Fidelity Contrafund K6 |
| FIDELITY INVESTMENTS Fidelity Extended Market Index |
| FIDELITY INVESTMENTS Fidelity Freedom 2010 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2015 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2020 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2025 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2030 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2035 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2040 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2045 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2050 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2055 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2060 K6 |
| FIDELITY INVESTMENTS Fidelity Freedom 2065 K6 |
| FIDELITY INVESTMENTS Fidelity Government Income |
| FIDELITY INVESTMENTS Fidelity Government Money Market |
| FIDELITY INVESTMENTS Fidelity Small Cap Discovery |
| FIDELITY INVESTMENTS Fidelity Spartan 500 Index AdvTg |
| FIDELITY INVESTMENTS Fidelity Emerging Markets K |
| HEARTLAND Heartland Value Plus Inst |
| INVESCO Invesco Diversified Dividend R6 |
| INVESCO Invesco EQV International R6 |
| MFS MFS Massachusetts Investors Trust Class R6 |
| METROPOLITAN WEST Metropolitan West Total Return Bond M |
| OAKMARK Oakmark International I |
| PIMCO Pimco Real Return Admin |
| VRTS VRTS C Midcap Value Eq I |
Investment model portfolios
We provide two types of investment model portfolios for SULLIVAN, COTTER AND ASSOCIATES, INC. 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 SULLIVAN, COTTER AND ASSOCIATES, INC. 401(K) PLAN