Investment options of SUMARIA SYSTEMS, LLC 401(K) PROFIT SHARING PLAN
Total Available Funds: 36
| Investment Description |
|---|
| NEUBERGER BERMAN LARGE CAP VALUE R6 FUND |
| AMERICAN FUNDS BOND FUND OF AMERICA R6 FUND |
| LORD ABBETT BOND DEBENTURE R6 FUND |
| DFA US TARGET VALUE I FUND |
| COHEN & STEERS REALTY SHARES Z FUND |
| PIMCO REAL RETURN INSTITUTIONAL FUND |
| VANGUARD FEDERAL MONEY MARKET FUND |
| FRANKLIN SMALL CAP GROWTH FUND CLASS R6 |
| AMERICAN FUNDS NEW PERSPECTIVES R6 FUND |
| AMERICAN FUNDS NEW WORLD R6 FUND |
| DFA US VECTOR EQUITY I FUND |
| VANGUARD INFO TECHNOLOGY INDEX ADMIRAL FUND |
| PGIM HIGH YIELD R6 FUND |
| LORD ABBETT DEVELOPMENT AND GROWTH R6 FUND |
| VANGUARD HEALTHCARE INDEX ADMIRAL FUND |
| AMERICAN FUNDS US GOVERNMENT SECURITIES R6 FUND |
| FIDELITY PURITAN K FUND |
| FIDELITY 500 INDEX FUND |
| FIDELITY MID CAP INDEX FUND |
| FIDELITY SMALL CAP INDEX FUND |
| FIDELITY INTERNATIONAL INDEX FUND |
| FIDELITY CONTRAFUND K6 FUND |
| FIDELITY FREEDOM 2005 K6 FUND |
| FIDELITY FREEDOM 2010 K6 FUND |
| FIDELITY FREEDOM 2015 K6 FUND |
| FIDELITY FREEDOM 2020 K6 FUND |
| FIDELITY FREEDOM 2025 K6 FUND |
| FIDELITY FREEDOM 2030 K6 FUND |
| FIDELITY FREEDOM 2035 K6 FUND |
| FIDELITY FREEDOM 2040 K6 FUND |
| FIDELITY FREEDOM 2045 K6 FUND |
| FIDELITY FREEDOM 2050 K6 FUND |
| FIDELITY FREEDOM 2055 K6 FUND |
| FIDELITY FREEDOM 2060 K6 FUND |
| FIDELITY FREEDOM INCOME K6 FUND |
| FIDELITY FREEDOM 2065 K6 FUND |
Investment model portfolios
We provide two types of investment model portfolios for SUMARIA SYSTEMS, LLC 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 SUMARIA SYSTEMS, LLC 401(K) PROFIT SHARING PLAN