Investment options of TOWNE PARK 401(K) PLAN
Total Available Funds: 26
| Investment Option List |
|---|
| BlackRock LifePath Index Retirement (STLAX) |
| BlackRock LifePath Index Retirement 2030 K (STLAX) |
| BlackRock LifePath Index Retirement 2035 K (STLAX) |
| BlackRock LifePath Index Retirement 2040 K (STLEX) |
| BlackRock LifePath Index Retirement 2045 K (STLAX) |
| BlackRock LifePath Index Retirement 2050 K (STLAX) |
| BlackRock LifePath Index Retirement 2055 K (STLAX) |
| BlackRock LifePath Index Retirement 2060 K (STLAX) |
| BlackRock LifePath Index Retirement 2065 K (STLAX) |
| BlackRock Mid Cap Growth Equity K (CMGIX) |
| AB Global AB Global Bond Ave (IOSIX) |
| American American Century Mid Cap (IACIX) |
| American American Funds New World R6 (HVWBX) |
| American American Funds Mutual R6 (FFFMX) |
| American American Funds the Bond Fund of America R6 (FBOFX) |
| DFA Inflation-Protected Securities I (DIPSX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Advisor International Growth I (FIIIX) |
| Fidelity International Index (FDIVX) |
| Fidelity Mid Cap Index (FIIMX) |
| Fidelity Small Cap Index (FSISX) |
| Fidelity US Bond Index (FSHBX) |
| Invesco EQV International Equity R6 (IBVIX) |
| JP Morgan JP Morgan U.S. Large Cap Growth R6 (SNIGX) |
| PIMCO Income A (PFIIX) |
| from 4.25% to 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for TOWNE PARK 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 TOWNE PARK 401(K) PLAN