Investment options of SYN-TECH SYSTEMS RETIREMENT PLAN
Total Available Funds: 21
| Investment Description |
|---|
| Columbia Ltd Dur Credit Inst |
| Dodge & Cox Income I |
| Loomis Sayles Invstm Gr Bd Adm |
| Vanguard LifeStrategy Cons Gro |
| Vanguard LifeStrategy Mod Gro |
| Vanguard LifeStrategy Growth |
| American Century Equity Inc R6 |
| Schwab Fndmntl US Lg Co Idx |
| Columbia Contrarian Core |
| Securian AM S&P 500 Index |
| ClearBridge Large Cap Growth |
| Macquarie Large Cap Growth |
| Disciplined Gro Mid Cap Gro |
| Janus Henderson Small Cap Val |
| Vanguard Sm-Cap Gro Ind Adm |
| Nuveen Intl Eq Idx R6 |
| ClearBridge Intl Gr A |
| Hotchkis & Wiley High Yield I |
| Fidelity Emerging Markets Idx |
| Cohen & Steers RE Securities A |
| ML General Account |
Investment model portfolios
We provide two types of investment model portfolios for SYN-TECH SYSTEMS RETIREMENT 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 SYN-TECH SYSTEMS RETIREMENT PLAN