Investment options of TEC-MASTERS 401(K) PROFIT SHARING PLAN
Total Available Funds: 33
| Investment Description |
|---|
| AMERICAN CENTURY INVESTMENTS EMERGING MARKETS FUND R6 |
| FEDERATED HERMES MDT SMALL CAP GROWTH FUND CLASS R6 |
| GREAT-WEST FUNDS T. ROWE PRICE MID CAP GROWTH FUND INSTITUTIONAL CLASS |
| FIDELITY INVESTMENTS SMALL CAP INDEX FUND |
| FIDELITY INVESTMENTS INTERNATIONAL INDEX FUND |
| FIDELITY INVESTMENTS MID CAP INDEX FUND |
| FIDELITY INVESTMENTS 500 INDEX FUND |
| FIDELITY INVESTMENTS U. S. BOND INDEX FUND |
| PIMCO INCOME FUND INSTITUTIONAL CLASS |
| PGIM FUNDS (PRUDENTIAL) TOTAL RETURN BOND FUND – CLASS R6 |
| CHARLES SCHWAB BANK SELF-DIRECTED BROKERAGE ACCOUNT |
| CHARLES SCHWAB BANK SELF-DIRECTED BROKERAGE ACCOUNT ROTH |
| THE STANDARD STABLE ASSET FUND II |
| RELIANCE METLIFE SERIES 25053 CL 0 |
| JPMORGAN LARGE CAP GROWTH R6 |
| JPMORGAN U. S. VALUE R6 |
| JPMORGAN GLOBAL BOND OPPORTUNITIES R6 |
| MFS INTERNATIONAL GROWTH FUND CLASS R6 |
| MFS INTERNATIONAL EQUITY FUND CLASS R6 |
| ALLSPRING GLOBAL INVESTMENTS SPECIAL MID CAP VALUE FUND R6 |
| ALLSPRING GLOBAL INVESTMENTS SPECIAL SMALL CAP VALUE FUND |
| WILMINGTON FUNDS FLEXPATH INDEX AGGRESSIVE RETIREMENT FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX CONSERVATIVE 2025 FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX CONSERVATIVE RETIREMENT FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX AGGRESSIVE 2025 FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX AGGRESSIVE 2035 FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX CONSERVATIVE 2035 FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX MODERATE 2035 FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX AGGRESSIVE 2045 FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX CONSERVATIVE 2045 FUND R2 |
| WILMINGTON FUNDS FLEXPATH INDEX MODERATE 2045 FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX AGGRESSIVE 2055 FUND R1 |
| WILMINGTON FUNDS FLEXPATH INDEX MODERATE 2055 FUND R1 |
Investment model portfolios
We provide two types of investment model portfolios for TEC-MASTERS 401(K) PROFIT SHARING 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 TEC-MASTERS 401(K) PROFIT SHARING PLAN