Investment options of SYSTEMS TECHNOLOGIES, INC. 401K PLAN
Total Available Funds: 34
| Investment Description |
|---|
| AmCen Mid Cap Value Fund R6 Registered Investment Company |
| American Funds Am Balanced R6 Registered Investment Company |
| American Funds Cap Inc Bld R6 Registered Investment Company |
| American Funds Nw Prspctv R6 Registered Investment Company |
| BrandywineGLOBAL Glb Opp Bd IS Registered Investment Company |
| ClrBrg SmCp Grw Fd IS Registered Investment Company |
| DFA Emerging Markets Pt Ins Registered Investment Company |
| DFA US Targeted Vl Port Ins Registered Investment Company |
| Eaton Vance Inc Fd of Bstn R6 Registered Investment Company |
| JPMorgan LgCp Grw Fnd R6 Registered Investment Company |
| JPMorgan US Val Fd R6 Registered Investment Company |
| MFS International Grw Fund R6 Registered Investment Company |
| Neuberg Berm MdCp Grw Fnd R6 Registered Investment Company |
| PIMCO Income Fund Ins Registered Investment Company |
| PIMCO Real Return Fund Ins Registered Investment Company |
| Vangrd 500 Index Fund Adm Registered Investment Company |
| Vangrd LifeStrat Cns Gr Fd Inv Registered Investment Company |
| Vangrd LifeStrat Grw Fd Inv Registered Investment Company |
| Vangrd LifeStrat Inc Fd Inv Registered Investment Company |
| Vangrd LifeStrat Md Grw Fd Inv Registered Investment Company |
| Vangrd Mid‐Cap Index Fund Adm Registered Investment Company |
| Vangrd Small‐Cap Index Fnd Adm Registered Investment Company |
| Vangrd Trgt Retire 2020 Fd Registered Investment Company |
| Vangrd Trgt Retire 2025 Fd Registered Investment Company |
| Vangrd Trgt Retire 2030 Fd Registered Investment Company |
| Vangrd Trgt Retire 2035 Fd Registered Investment Company |
| Vangrd Trgt Retire 2040 Fd Registered Investment Company |
| Vangrd Trgt Retire 2045 Fd Registered Investment Company |
| Vangrd Trgt Retire 2050 Fd Registered Investment Company |
| Vangrd Trgt Retire 2055 Fd Registered Investment Company |
| Vangrd Trgt Retire 2060 Fd Registered Investment Company |
| Vangrd Trgt Retire 2065 Fd Registered Investment Company |
| Vangrd Trgt Retire Inc Fd Registered Investment Company |
| Voya Intermediate Bond Fund R6 Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for SYSTEMS TECHNOLOGIES, INC. 401K 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 SYSTEMS TECHNOLOGIES, INC. 401K PLAN