Investment options of THE RALPH KORTE ENTERPRISES PROFIT-SHARING/THRIFT PLAN
Total Available Funds: 30
| Investment Description |
|---|
| FIDELITY 500 INDEX* |
| FIDELITY CAPITAL & INCOME FUND* |
| FIDELITY CONTRAFUND FUND K* |
| FIDELITY EMERGING MARKETS FUND K* |
| FIDELITY EXTENDED MARKET INDEX FUND* |
| FIDELITY FREEDOM K INCOME FUND* |
| FIDELITY FREEDOM K 2005* |
| FIDELITY FREEDOM K 2010* |
| FIDELITY FREEDOM K 2015* |
| FIDELITY FREEDOM K 2020* |
| FIDELITY FREEDOM K 2025* |
| FIDELITY FREEDOM K 2030* |
| FIDELITY FREEDOM K 2035* |
| FIDELITY FREEDOM K 2040* |
| FIDELITY FREEDOM K 2045* |
| FIDELITY FREEDOM K 2050* |
| FIDELITY FREEDOM K 2055* |
| FIDELITY FREEDOM K 2060* |
| FIDELITY FREEDOM K 2065* |
| FIDELITY GLOBAL EX U.S. INDEX FUND* |
| FIDELITY INFLATION PROTECTED INDEX FUND* |
| FIDELITY GROWTH COMPANY FUND K* |
| FIDELITY LOW-PRICED STOCK FUND K* |
| FIDELITY OVERSEAS FUND K* |
| FIDELITY US BOND INDEX ADV* |
| COLUMBIA DIVIDEND INCOME FUND CLASS I3 |
| OAKMARK EQUITY AND INCOME FUND |
| PIFCO TOTAL RETURN FUND |
| TRP BLUE CHIP GROWTH FUND |
| PIF SMALL CAP R4 |
Investment model portfolios
We provide two types of investment model portfolios for THE RALPH KORTE ENTERPRISES PROFIT-SHARING/THRIFT 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 RALPH KORTE ENTERPRISES PROFIT-SHARING/THRIFT PLAN