Investment options of UNITY INTERNATIONAL GROUP 401(K) PLAN
Total Available Funds: 18
| Investment Description |
|---|
| funds and a balanced fund and bond funds. a |
| in qualified countries. a |
| invested in foreign securities. a |
| are expected to grow rapidly. a |
| privately placed securities, and restricted securities. a |
| estate investment trusts. a |
| rating no lower than CCC. a |
| companies. a |
| invested in the stocks that make up the index. a |
| invested in stocks that make up the index. a |
| government agency securities. a |
| considered by the advisor to be investment-grade. a |
| assets to bonds and 40% to common stocks. a |
| to common stocks and 20% to bonds. a |
| assets to common stocks and 40% to bonds. a |
| the same proportion as its weighing in the index. a |
| Class 60 Contracts. a |
| Participants) collateralized by participants’ vested account balances. – |
Investment model portfolios
We provide two types of investment model portfolios for UNITY INTERNATIONAL GROUP 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 UNITY INTERNATIONAL GROUP 401(K) PLAN