Investment options of THE THORNHILL COMPANIES 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| AMER FND 2040 TRGT RTRM-R6 |
| AMER FND 2020 TRGT RTRM-R6 |
| FIDELITY 500 INDEX-INST PRM |
| AMER FND 2030 TRGT RTRM-R6 |
| AMER FND 2035 TRGT RTRM-R6 |
| T ROWE PR GROWTH STOCK-I |
| AMER FND 2045 TRGT RTRM-R6 |
| AMER FND 2025 TRGT RTRM-R6 |
| AMER FND 2050 TRGT RTRM-R6 |
| VANGUARD EXPLORER FUND-ADM |
| VANGUARD FED MONEY MARKET |
| AMER FND 2010 TRGT RTRM-R6 |
| AMER FND 2015 TRGT RTRM-R6 |
| FIDELITY EX MRKT INDX-INS PR |
| AMER FND 2060 TRGT RTRM-R6 |
| FIDELITY GL X US INDX-INS PR |
| JPMORGAN SMALL CAP VALUE-R6 |
| JPMORGAN EQUITY INCOME-R6 |
| AMER FND 2055 TRGT RTRM-R6 |
| AMER FNDS EUROPAC GROW-R6 |
| PGIM TOTAL RETURN BOND-R6 |
| PRINCIPAL GL R/E SEC-R6 |
| AMERICAN BEACON INTL EQ-R5 |
| AB GLOBAL BOND-Z |
| BLCKRCK HI YLD BND PORT-K |
| AMER FNDS NEW WORLD-R6 |
| FIDELITY US BND INDX-INS PRM |
| FIDELITY INFL PROT BD-INS PR |
| TD AMERITRADE BROKERAGE FUND |
Investment model portfolios
We provide two types of investment model portfolios for THE THORNHILL COMPANIES 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 THORNHILL COMPANIES 401(K) PLAN