Investment options of UNITED CONTRACTORS MIDWEST, INC. 401(K) RETIREMENT SAVINGS PLAN
Total Available Funds: 23
| Investment Description |
|---|
| ALGER SPECTRA Y |
| ALLSPRING SPECIAL MID CAP VAL R6 |
| AMERICAN CENTURY EMERGING MKT R6 |
| AMERICAN CENTURY INF ADJ BOND R6 |
| BLACKROCK ISHARES S&P 500 INDEX K |
| BLACKROCK ISHARES RUSSELL MID-AMP;INDEX K |
| BLACKROCK ISHARES U. AMP;AGGREGATE BOND INDEX K |
| BLACKROCK ISHARES MSCI TOTAL INTL INDEX K |
| BNY MELLON SMALL/AMP;MID CAP GROWTH Y |
| CHARLES SCHWAB INSTITUTIONAL PERSONAL CHOICE RETMENT ACCOUNT |
| COHEN & STEERS REAL ESTATE SEC Z |
| COLUMBIA DIVIDEND INC INSTL3 |
| COLUMBIA SMALL CA P INDEX INTL 3 |
| EATON VANCE HIGH INC OPP I |
| MAINSTAY INC BUILDER R6 |
| MFS INTERNATIONAL GROWTH R6 |
| NUVEEN STRATEGIC INC R6 |
| OPPENHEIMER GLOBAL I |
| PIMCO COMMODITIESPLUS STRTGY INSTL |
| PUTNAM STABLE VALUE FUND 20 |
| TRANSAMERICA MULTI MNG BALANCED R6 |
| TRANSAMERICA INTL EQUITY R6 |
| TRANSAMERICA BOND R6 |
Investment model portfolios
We provide two types of investment model portfolios for UNITED CONTRACTORS MIDWEST, INC. 401(K) RETIREMENT SAVINGS 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 UNITED CONTRACTORS MIDWEST, INC. 401(K) RETIREMENT SAVINGS PLAN