Investment options of THE LECLERC 401(K) PLAN
Total Available Funds: 66
| Investment Description |
|---|
| American Funds New World R6 " |
| American Funds US Government Securities R6 " |
| BlackRock 20/80 Target Allocation K " |
| BlackRock 40/60 Target Allocation K " |
| BlackRock 60/40 Target Allocation K " |
| BlackRock 80/20 Target Allocation K " |
| BlackRock Commodity Strategies K " |
| Fidelity Freedom Index 2020 Instl Premium " |
| Fidelity Freedom Index 2025 Instl Premium " |
| Fidelity Freedom Index 2030 Instl Premium " |
| Fidelity Freedom Index 2035 Instl Premium " |
| Fidelity Freedom Index 2040 Instl Premium " |
| Fidelity Freedom Index 2045 Instl Premium " |
| Fidelity Freedom Index 2050 Instl Premium " |
| Fidelity Freedom Index 2055 Instl Premium " |
| Fidelity Freedom Index 2060 Instl Premium " |
| Fidelity Freedom Index 2065 Instl Premium " |
| Fidelity International Growth Fund " |
| Fidelity Large Cap Growth Index " |
| Fidelity Mid Cap Index " |
| Invesco Value Opportunities R6 " |
| iShares MSCI Eafe International Index K " |
| iShares Russell 2000 Small Cap Index L " |
| iShares S&P 500 Index K " |
| JP Morgan Mid Cap Growth R6 " |
| PGIM High Yield R6 " |
| PIMCO Real Return Value R6 " |
| Putnam Large Cap Value R6 " |
| Putnam Small Cap Growth R6 " |
| EI Fixed Account – Series Class I Guaranteed account |
| 1BKCPX 6,231.65 |
| 1BKMPX 19,286.92 |
| 1BKGPX 2,062.19 |
| 1BKAPX 43,951.52 |
| 1FIWTX 35,475.84 |
| 1FFEDX 1,215,495.97 |
| 1FFEGX 794,956.29 |
| 1FFEZX 886,608.41 |
| 1FFIZX 983,247.39 |
| 1FFOLX 649,067.64 |
| 1FFOPX 1,014,503.47 |
| 1FFLDX 321,988.84 |
| 1FFLEX 267,955.51 |
| 1FFIKX 58,502.93 |
| 1RNWGX 63,259.24 |
| 1BTMKX 88,948.88 |
| 1FIGFX 11,513.71 |
| 1MGLRX 6,099.31 |
| 1BCSKX 29,736.12 |
| 1MXSFX 13,295.67 |
| 1BDBKX 54,108.59 |
| 1PLKGX 5,470.45 |
| 1SSVNLC 17,947.69 |
| 1FSMDX 37,465.85 |
| 1VVOSX 43,218.36 |
| 1JMGMX 5,952.93 |
| 1WFSPX 323,039.25 |
| 1FSPGX 44,047.07 |
| 1PEQSX 65,118.84 |
| 1RBFGX 24,975.30 |
| 1RGVGX 26,455.78 |
| 1PRRIX 5,811.20 |
| 1PGTQX 12,114.74 |
| 1PHYQX 6,724.96 |
| 1GWAQ35 1.450 166,849.62 |
| FORFEITURES 2,360.13 |
Investment model portfolios
We provide two types of investment model portfolios for THE LECLERC 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 LECLERC 401(K) PLAN