Investment options of SYSTEM SOFT TECHNOLOGIES, LLC 401(K) PLAN
Total Available Funds: 31
| Investment Description |
|---|
| Vanguard Growth |
| Vanguard Target Ret 2045 |
| Vanguard Target Ret 2040 |
| Vanguard Target Ret 2050 |
| Franklin Growth Fund |
| Vanguard Target Ret 2055 |
| Vanguard Target Ret 2035 |
| Vanguard Mid-Cap Growth ETF |
| MFS Value Fund |
| American Funds EuroPac Growth |
| Vanguard Target Ret 2030 |
| BlackRock High Yield Bond Fund |
| Invesco Small Cap Growth |
| Vanguard Value Index Fund |
| Western Asset Core Bond Fund |
| Fidelity International Index |
| Vanguard Mid-Cap Value ETF |
| JH Multimanager Balanced LS |
| Vanguard Small Cap Value Index |
| JH Multimanager Growth LS |
| Invesco Equity and Income Fund |
| Vanguard Target Ret 2060 |
| JH Multimanager Aggressive LS |
| Vanguard Small Cap Grow Index |
| TIAA-CREF Small-Cap Blend Idx |
| JH Multimanager Moderate LS |
| Hartford Balanced Income Fund |
| Vanguard Target Ret 2065 |
| PIMCO Commodity Real Return |
| John Hancock Stable |
| Notes receivable from participants (4.25% – 9.50%) |
Investment model portfolios
We provide two types of investment model portfolios for SYSTEM SOFT TECHNOLOGIES, LLC 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 SYSTEM SOFT TECHNOLOGIES, LLC 401(K) PLAN