Investment options of TCPS, INC. 401(K) PLAN
Total Available Funds: 33
| Investment Option List |
|---|
| #27-1467110 Plan |
| American Funds 2045 Target Date R6 (REHTX) |
| American Funds 2035 Target Date R6 (REFTX) |
| American Funds 2055 Target Date R6 (FAJTX) |
| American Funds 2050 Target Date R6 (REITX) |
| American Funds 2030 Target Date R6 (REETX) |
| American Funds 2025 Target Date R6 (REDTX) |
| American Funds 2040 Target Date R6 (REGTX) |
| Invesco Comstock R6 (ACSDX) |
| T. Rowe Price Mid Cap Value I (TRMCX) |
| Fidelity Spartan 500 Index Advantage (FSMKX) |
| Fidelity US Bond Index (FSHBX) |
| American Funds 2020 Target Date R6 (RECTX) |
| Fidelity International Index Fund Premium (FSIVX) |
| American Funds 2060 Target Date R6 (CCKTX) |
| American Funds Growth Fund of America RG (FAFGX) |
| Fidelity Small Cap Index (FSISX) |
| BlackRock iShares U.S. Aggregate Bond Index Fund Institutional Shares (BMOPX) |
| T. Rowe Price New Horizons I (PRNHX) |
| BlackRock High Yield Bond K (BHYIX) |
| Putnam International Value R6 (PNGAX) |
| Fidelity Emerging Markets Index (FMKIX) |
| Royce Royce Opportunity I (ROFIX) |
| American Funds 2065 Target Date R6 (FBMTX) |
| American Funds Balanced R6 (GBLAX) |
| MFS Mid Cap Growth R6 (OTCIX) |
| American Funds 2010 Target Date R6 (REATX) |
| Fidelity Mid Cap Index (FIIMX) |
| Cohen & Steers C&S Inst Realty SHS (CSRIX) |
| American Funds Cap World Bond R6 (FWBCX) |
| T. Rowe Price Global Allocation I (RPGAX) |
| Fidelity Advisor International Small Cap Fund Class I (FIXIX) |
| Fidelity Interim TR Bd Indx |
Investment model portfolios
We provide two types of investment model portfolios for TCPS, INC. 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 TCPS, INC. 401(K) PLAN