Investment options of SUNSHINE QUALITY SOLUTIONS 401(K) PLAN
Total Available Funds: 39
| Investment Description |
|---|
| Fixed Select Contract Guaranteed investment contract |
| BlackRock Blkrk Hi Yld Bd Port K |
| JP Morgan JPM Large Growth R6 |
| JP Morgan JPM Intl Equity R6 |
| JP Morgan JPM US Govt MMkt Cap Cl |
| Nuveen Lifecycle Index 2015 R6 |
| Nuveen Lifecycle Index 2020 R6 |
| Nuveen Lifecycle Index 2025 R6 |
| Nuveen Lifecycle Index 2030 R6 |
| Nuveen Lifecycle Index 2035 R6 |
| Nuveen Lifecycle Index 2040 R6 |
| Nuveen Lifecycle Index 2045 R6 |
| Nuveen Lifecycle Index 2050 R6 |
| Nuveen Lifecycle Index 2055 R6 |
| Nuveen Lifecycle Index 2060 R6 |
| Nuveen Lifecycle Index 2065 R6 |
| T Rowe T Rowe Price Inst Long Dur Cre |
| Vanguard Vngrd 500 Index Fd Admiral |
| Vanguard Vngrd Balanced Index Ad |
| Vanguard Vngrd Value Index Fd Ad |
| Vanguard Vngrd Growth Index Fd Adm |
| Vanguard Vngrd Info Tech Idx Admiral |
| Vanguard Vngrd Mdcap Growth Ind Adml |
| Vanguard Vngrd Mdcap Val Indx Adml |
| Vanguard Vngrd Small Growth Adml |
| Vanguard Vngrd Sm Cap Val Ind |
| Vanguard Vngrd Utilities Index Adm |
| Vanguard Vngrd Emrg Mkt Stk Idx Adm |
| Vanguard Vngrd Ttl Wrld Stk Idx Adm |
| Vanguard Vngrd Core Bond Admiral |
| Vanguard Vngrd S-T Bond Index Adm |
| Vanguard Vngrd Ttl Bd Mkt Ind Adm |
| Notes receivable from participants 4.00 – 9.5% |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| Vanguard |
| BlackRock |
| T. Rowe Price |
| JP Morgan |
Investment model portfolios
We provide two types of investment model portfolios for SUNSHINE QUALITY SOLUTIONS 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 SUNSHINE QUALITY SOLUTIONS 401(K) PLAN