Investment options of SYNC RESIDENTIAL 401(K)
Total Available Funds: 36
| Investment Description |
|---|
| Ascensus Gg Cit Iii For Metlife Gac 25554 J |
| PIMCO Income Instl |
| Voya Voya Intermediate Bond Inst |
| Lord Abbett High Yield R6 |
| American Funds New Perspective R6 |
| Vanguard Developed Mkts Index Adm |
| Vanguard International Growth Adm |
| DFA Us Large Company Portfolio Instl |
| Vanguard Equity Income Adm |
| Vanguard Growth Index Adm |
| Vanguard U.S. Growth Adm |
| Vanguard Value Index Adm |
| Carillon Carillon Scout Mid Cap R6 |
| Janus Henderson Enterprise N |
| MFS Mid Cap Value R6 |
| Vanguard Mid Cap Index Adm |
| Vanguard Mid-Cap Growth Index Adm |
| MFS New Discovery Value R6 |
| Principal Smallcap R6 |
| Vanguard Small-Cap Index Adm |
| American Funds Trgt Date Ret 2020 R6 |
| American Funds Trgt Date Ret 2025 R6 |
| American Funds Trgt Date Ret 2030 R6 |
| American Funds Trgt Date Ret 2035 R6 |
| American Funds Trgt Date Ret 2040 R6 |
| American Funds Trgt Date Ret 2045 R6 |
| American Funds Trgt Date Ret 2050 R6 |
| American Funds Trgt Date Ret 2055 R6 |
| American Funds Trgt Date Ret 2060 R6 |
| American Funds |
| Vanguard |
| Cohen & Steers |
| Janus Henderson |
| Lord Abbett |
| Carillon |
| Principal |
Investment model portfolios
We provide two types of investment model portfolios for SYNC RESIDENTIAL 401(K) 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 SYNC RESIDENTIAL 401(K)