Investment options of SYSTEM STUDIES and SIMULATION INC. 401K AND PROFIT SHARING/RETIREMENT PLAN
Total Available Funds: 33
| Investment Description |
|---|
| BNY Mellon Dynamic Value Fund Class I |
| Carillon Family of Funds Eagle Mid Cap Growth Fund Class A |
| Fidelity Investments 500 Index Fund |
| Fidelity Investments Balanced Fund |
| Fidelity Investments Blue Chip Growth Fund |
| Fidelity Investments Convertible Securities Fund |
| Fidelity Investments Emerging Markets Fund Class K |
| Fidelity Investments International Growth Fund |
| Fidelity Investments Mid Cap Index Fund |
| Fidelity Investments Small Cap Index Fund |
| Fidelity Investments Worldwide Fund |
| Goldman Sachs Small Cap Value Insights Fund Class A |
| Great Gray Trust Company, LLC Small Cap Growth Fund II Class R1 |
| Great Gray Trust Company, LLC Large Cap Growth Fund III CL R1 |
| New York Life Anchor Account |
| PIMCO CommodityRealReturn Strategy Fund Institutional Class |
| PIMCO Real Return Fund Institutional Class |
| Pioneer Fund Class Y |
| PGIM Jennison Natural Resources R6 |
| Allspring Global Investments Core Bond Fund Institutional Class |
| Allspring Global Investments Precious Metals Fund Institutional Class |
| Wilmington Funds flexPATH Index+ Aggressive 2035 Fund R2 |
| Wilmington Funds flexPATH Index+ Aggressive 2045 Fund R2 |
| Wilmington Funds flexPATH Index+ Aggressive 2055 Fund R2 |
| Wilmington Funds flexPATH Index+ Aggressive Retirement Fund R2 |
| Wilmington Funds flexPATH Index+ Conservative 2035 Fund R2 |
| Wilmington Funds flexPATH Index+ Conservative 2045 Fund R2 |
| Wilmington Funds flexPATH Index+ Conservative 2055 Fund R2 |
| Wilmington Funds flexPATH Index+ Conservative Retirement Fund R2 |
| Wilmington Funds flexPATH Index+ Moderate 2035 Fund R2 |
| Wilmington Funds flexPATH Index+ Moderate 2045 Fund R2 |
| Wilmington Funds flexPATH Index+ Moderate 2055 Fund R2 |
| Wilmington Funds flexPATH Index+ Moderate Retirement Fund R2 |
Investment model portfolios
We provide two types of investment model portfolios for SYSTEM STUDIES and SIMULATION INC. 401K AND PROFIT SHARING/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 SYSTEM STUDIES and SIMULATION INC. 401K AND PROFIT SHARING/RETIREMENT PLAN