Investment options of TRUNO RETAIL TECHNOLOGY SOLUTIONS 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| BlackRock 20/80 Target Allocation Fund Class K |
| BlackRock 40/60 Target Allocation Fund Class K |
| BlackRock 60/40 Target Allocation Fund Class K |
| BlackRock 80/20 Target Allocation Fund Class K |
| BlackRock Core Bond Portfolio Fund K |
| BlackRock High Yield Bond Portfolio Fund K |
| BlackRock LifePath Index Retirement Fund Class K Shares |
| BlackRock LifePath Index 2030 Fund Class K Shares |
| BlackRock LifePath Index 2035 Fund Class K Shares |
| BlackRock LifePath Index 2040 Fund Class K Shares |
| BlackRock LifePath Index 2045 Fund Class K Shares |
| BlackRock LifePath Index 2050 Fund Class K Shares |
| BlackRock LifePath Index 2055 Fund Class K Shares |
| BlackRock LifePath Index 2060 Fund Class K Shares |
| BlackRock LifePath Index 2065 Fund Class K Shares |
| Columbia Short Term Bond Fund |
| Federated Hermes International Leaders Fund Class R6 Shares |
| Fidelity 500 Index Fund |
| Fidelity Mid Cap Index Fund |
| Goldman Sachs Small Cap Value Insights Fund Institutional Class |
| Invesco Premier US Government Money Portfolio Fund Institutional |
| JP Morgan Growth Advantage Fund Class R6 |
| JP Morgan U.S. Value Fund R6 |
| MFS Global Global Opportunistic Bond Fund R6 |
| Nuveen Large Cap Value Index Fund R6 |
| Nuveen Large Cap Growth Index Fund R6 |
| Nuveen Small Cap Blend Index Fund R6 |
| Schwab International Index Fund |
| T. Rowe Price U.S. Treasury Intermediate Index Fund I |
| Notes Receivable from Participants 2 month to 25 years, 4.25% – 9.50% [2] – |
Investment model portfolios
We provide two types of investment model portfolios for TRUNO RETAIL TECHNOLOGY SOLUTIONS 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 TRUNO RETAIL TECHNOLOGY SOLUTIONS 401(K) PLAN