Investment options of THE INTEGRAL GROUP, LLC 401(K) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| American Funds 2010 Target Date Fund Registered Investment Company (REATX) |
| American Funds 2015 Target Date Fund Registered Investment Company (REJTX) |
| American Funds 2020 Target Date Fund Registered Investment Company (RECTX) |
| American Funds 2025 Target Date Fund Registered Investment Company (REDTX) |
| American Funds 2030 Target Date Fund Registered Investment Company (REETX) |
| American Funds 2035 Target Date Fund Registered Investment Company (REFTX) |
| American Funds 2040 Target Date Fund Registered Investment Company (REGTX) |
| American Funds 2045 Target Date Fund Registered Investment Company (REHTX) |
| American Funds 2050 Target Date Fund Registered Investment Company (REITX) |
| American Funds 2055 Target Date Fund Registered Investment Company (FAJTX) |
| American Funds 2060 Target Date Fund Registered Investment Company (CCKTX) |
| Columbia Quality Income Fund Registered Investment Company (XBAFX) |
| Columbia Small Cap Index Fund Registered Investment Company (RHFHX) |
| Empower International Value Fund Registered Investment Company (UTDIX) |
| Fidelity Mid Cap Index Fund Registered Investment Company (FIIMX) |
| Franklin Mutual Global Discovery Fund Registered Investment Company (MDISX) |
| Hartford Core Equity Fund Registered Investment Company (GEIVX) |
| Invesco Diversified Dividend Fund Registered Investment Company (DDFIX) |
| Janus Henderson Enterprise Fund Registered Investment Company (JCNNX) |
| Janus Henderson Triton Fund Registered Investment Company (JCNNX) |
| Lord Abbett Growth Leaders Fund Registered Investment Company (LGLAX) |
| PGIM High Yield Fund Registered Investment Company (PHYEX) |
| Putnam Dynamic Asset Allocation Balanced Fund Registered Investment Company (PABYX) |
| Putnam Dynamic Asset Allocation Growth Fund Registered Investment Company (PAGYX) |
| Undiscovered MGRS Behavioral Value Fund Registered Investment Company (UBRLX) |
| Victory Sycamore Established Value Fund Registered Investment Company (GETGX) |
| Western Asset Core Plus Bond Fund Registered Investment Company (WACPX) |
Investment model portfolios
We provide two types of investment model portfolios for THE INTEGRAL GROUP, 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 THE INTEGRAL GROUP, LLC 401(K) PLAN