Investment options of UNTRACHT EARLY MANAGEMENT, INC. PLAN
Total Available Funds: 41
| Investment Description |
|---|
| FIDELITY MONEY MARKET TRUST RETIREMENT MONEY MARKET FUND |
| FIDELITY GOVERNMENT CASH RESERVE FUND |
| FIDELITY BROKERAGE LINK CASH RESERVES |
| JANUS HENDERSON ENTERPRISE FUND CLASS T |
| COHEN & STEERS REALTY SHARES FUND |
| BLACKROCK GLOBAL ALLOCATION, INC. INVESTOR A |
| INVESco DEVELOPING MARKETS FUND CLASS A |
| METROPOLITAN WEST TOTAL RETURN BOND FUND |
| COLUMBIA BALANCED FUND CLASS A |
| BARON SMALL CAP FUND RETAIL CLASS |
| I SHARES MSCI EAFE INTERNATIONAL INDEX FUND |
| CLASS K MUTUAL FUND |
| PRINCIPAL SMALLCAP FUND R-5 CLASS |
| HEARTLAND VALUE PLUS FUND INVESTOR CLASS |
| BLACKROCK STRATEGIC INCOME OPPORTUNITIES |
| MFS MASSACHUSETTS INVESTORS TRUST CLASS R3 |
| MFS VALUE FUND CLASS R3 |
| FIDELITY GOVERNMENT INCOME FUND |
| FIDELITY ASSET MANAGER 50% FUND |
| FIDELITY LOW-PRICED STOCK FUND |
| FIDELITY GROWTH STRATEGIES FUND |
| FIDELITY DIVIDEND GROWTH FUND |
| FIDELITY FREEDOM 2030 FUND |
| FIDELITY FREEDOM INCOME FUND |
| FIDELITY HIGH INCOME FUND |
| FIDELITY FREEDOM 2040 FUND |
| FIDELITY FREEDOM 2015 FUND |
| FIDELITY FREEDOM 2025 FUND |
| FIDELITY FREEDOM 2035 FUND |
| FIDELITY FREEDOM 2045 FUND |
| FIDELITY FREEDOM 2050 FUND |
| FIDELITY BLUE CHIP GROWTH FUND CLASS K |
| FIDELITY CONTRAFUND CLASS K |
| FIDELITY DIVERSIFIED INTERNATIONAL FUND CLASS K |
| FIDELITY PURITAN FUND CLASS K |
| FIDELITY 500 INDEX FUND |
| FIDELITY FREEDOM 2055 FUND |
| FIDELITY TOTAL MARKET INDEX FUND |
| FIDELITY FREEDOM 2060 FUND |
| FIDELITY TOTAL INTERNATIONAL INDEX FUND |
| FIDELITY FREEDOM 2065 FUND |
Investment model portfolios
We provide two types of investment model portfolios for UNTRACHT EARLY MANAGEMENT, INC. 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 UNTRACHT EARLY MANAGEMENT, INC. PLAN