Investment options of TOM MCLEOD SOFTWARE CORP. 401K PROFIT SHARING PLAN
Total Available Funds: 38
| Investment Description |
|---|
| American Funds 2010 Target Date Ret. R6 a |
| American Funds 2020 Target Date Ret. R6 a |
| American Funds 2030 Target Date Ret. R6 a |
| American Funds 2040 Target Date Ret. R6 a |
| American Funds 2050 Target Date Ret. R6 a |
| American Funds 2015 Target Date Ret. R6 a |
| American Funds 2025 Target Date Ret. R6 a |
| American Funds 2035 Target Date Ret. R6 a |
| American Funds 2045 Target Date Ret. R6 a |
| American Funds 2055 Target Date Ret. R6 a |
| American Funds 2060 Target Date Ret. R6 a |
| Avantis Emerging Markets Equity Fund Institutional Class a |
| Avantis U.S. Small Cap Value Fund Institutional Class a |
| BlackRock Floating Rate Income Class K a |
| Cohen & Steers, Inc. Cohen & Steers Global Realty Shares, Inc. Z a |
| Diamond Hill Diamond Hill Core Bond Y a |
| Great Gray Trust Company International Growth Fund II Fee Class R1 a |
| J.P. Morgan Funds JPMorgan Large Cap Growth R6 a |
| Mass. Financial Service Co. MFS Mid Cap Value R6 a |
| Principal Short-Term Income Institutional a |
| Putnam Large Cap Value Fund Fee Class R1 a |
| PGIM Investments, Inc. Jennison Mid-Cap Growth Fund- Class R6 a |
| PGIM Investments, Inc. PGIM High Yeild R6 a |
| Vanguard Funds Vanguard Lifestrategy Conservative Growth a |
| Vanguard Funds Vanguard Lifestrategy Growth a |
| Vanguard Funds Vanguard Lifestrategy Income a |
| Vanguard Funds Vanguard Lifestrategy Moderate Growth a |
| Vanguard Funds Value Index Fund Admiral Shares a |
| Vanguard Funds Mid-Cap Growth Index Fund Admiral Shares a |
| Vanguard Funds Small-Cap Growth Index Fund Admiral Shares a |
| Fidelity Investments Fidelity Small Cap Growth a |
| Fidelity Investments Fidelity 500 Index a |
| Fidelity Investments Fidelity Mid Cap Index a |
| Fidelity Investments Fidelity Small Cap Index a |
| Fidelity Investments Large Cap Growth Index a |
| Fidelity Investments Mid Cap Value Index a |
| Fidelity Investments Small Cap Value Index a |
| Fidelity Investments Managed Income Portfolio Class 2 a |
Investment model portfolios
We provide two types of investment model portfolios for TOM MCLEOD SOFTWARE CORP. 401K 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 TOM MCLEOD SOFTWARE CORP. 401K PROFIT SHARING PLAN