Investment options of TRENDYMINDS, LLC RETIREMENT PLAN
Total Available Funds: 17
| Investment Option List |
|---|
| American Funds 2030 Target Date Retire R6 Fund 10,234 shares (REETX) |
| American Funds 2035 Target Date Retire R6 Fund 36,130 shares (REFTX) |
| American Funds 2040 Target Date Retire R6 Fund 77,565 shares (REGTX) |
| American Funds 2045 Target Date Retire R6 Fund 33,147 shares (REHTX) |
| American Funds 2050 Target Date Retire R6 Fund 49,298 shares (REITX) |
| American Funds 2055 Target Date Retire R6 Fund 60,870 shares (FAJTX) |
| American Funds 2060 Target Date Retire R6 Fund 35,049 shares (CCKTX) |
| American Funds 2065 Target Date Retire R6 Fund 6,097 shares (FBMTX) |
| American Funds Inflation Linked Bond Fund – F2 1,359 shares (BFICX) |
| BNY Mellon International Stock Fund – Class I 472 shares (MPPMX) |
| Champlain Mid Cap Institutional Fund 249 shares (CIPIX) |
| Fidelity 500 Index Institutional Premium Fund 686 shares (FUSVX) |
| Fidelity Mid Cap Index Institutional Premium Fund 2,346 shares (FSCKX) |
| Hartford Core Equity Fund R6 160 shares (HGIYX) |
| iShares MSCI EAFE Institutional Index Fund 3,457 shares (BTMPX) |
| iShares US Aggregate Bond Index K Fund 1,217 shares |
| Schwab Small Cap Index Fund 2,167 shares (SWSMX) |
Investment model portfolios
We provide two types of investment model portfolios for TRENDYMINDS, LLC RETIREMENT 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 TRENDYMINDS, LLC RETIREMENT PLAN