Investment options of SUMMIT CITY MD 401(K) PLAN
Total Available Funds: 28
| Investment Option List |
|---|
| COL SM CAP VAL II I3 |
| DFA EMRG MKT CORE EQ (DFESX) |
| FID 500 INDEX |
| FID CONTRAFUND K6 |
| FID EXTD MKT IDX |
| FID FDM IDX 2005 IPR |
| FID FDM IDX 2010 IPR |
| FID FDM IDX 2015 IPR |
| FID FDM IDX 2020 IPR |
| FID FDM IDX 2025 IPR |
| FID FDM IDX 2030 IPR |
| FID FDM IDX 2035 IPR |
| FID FDM IDX 2040 IPR |
| FID FDM IDX 2045 IPR |
| FID FDM IDX 2050 IPR |
| FID FDM IDX 2055 IPR |
| FID FDM IDX 2060 IPR |
| FID FDM IDX 2065 IPR |
| FID GOV CASH RESERVE |
| FID GOVT MMKT |
| FID INFL PR BD IDX |
| FID US BOND IDX (HMBDX) |
| J H TRITON N |
| JPM EQUITY INCOME R6 (TWEIX) |
| PGIM GLB TOT RTN R6 |
| PGIM TOTAL RTN BD R6 |
| VANG DEV MKT IDX ADM |
| MORLEY STABLE VALUE FUND CLASS 20 – II |
Investment model portfolios
We provide two types of investment model portfolios for SUMMIT CITY MD 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 SUMMIT CITY MD 401(K) PLAN