Investment options of UNITED DIGESTIVE 401(K) PLAN
Total Available Funds: 29
| Investment Option List |
|---|
| American Century Mid Cap Value (IACIX) |
| American Century Small Cap Growth R6 (ANOHX) |
| American Funds 2025 Target Date Retire R6 (REDTX) |
| American Funds 2030 Target Date Retire R6 (REETX) |
| American Funds 2035 Target Date Retire R6 (REFTX) |
| American Funds 2040 Target Date Retire R6 (REGTX) |
| American Funds 2045 Target Date Retire R6 (REHTX) |
| American Funds 2050 Target Date Retire R6 (REITX) |
| American Funds 2055 Target Date Retire R6 (FAJTX) |
| American Funds 2060 Target Date Retire R6 (CCKTX) |
| Blackrock Equity Dividend Instl (MADVX) |
| Blackrock Global Allocation Instl (MGJAX) |
| Blackrock Natural Resources I (MDGRX) |
| Cohen & Steers Realty Shares Z (CSRIX) |
| Fidelity Advisor Equity Growth Z (EQPGX) |
| Invesco Developing Markets Y (GTDIX) |
| Invesco Gold & Special Minerals R5 (IOGYX) |
| Lord Abbett High Yield I (LAHYX) |
| Lord Abbett Short Duration Income R3 (LLDYX) |
| Massmutual Mid Cap Growth I (MEFYX) |
| MFS Lifetime Income R3 (MLLIX) |
| MFS Research International R3 (MRSIX) |
| Schwab Treasury Infl Protected Secs IDX (SWRSX) |
| Vanguard 500 Index Admiral (VFINX) |
| Vanguard Mmid Cap Index Fund – Admiral (VISVX) |
| Vanguard Small Cap Index Adm (VISVX) |
| Victory Core Plus Intermediate Bond I (BMNIX) |
| Victory Sycamore Small Co Opportunity I (VSOIX) |
| Empower Fixed Account – Series Class IV |
Investment model portfolios
We provide two types of investment model portfolios for UNITED DIGESTIVE 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 UNITED DIGESTIVE 401(K) PLAN