Investment options of US INFORMATION SYSTEMS 401K PLAN
Total Available Funds: 43
| Investment Description |
|---|
| Attachment – Form |
| AT DECEMBER 31, |
| Western Asset WA CORE BOND I |
| Western Asset WA CORE BOND A |
| Columbia COL CONTRARIAN CORE I |
| BlackRock BLKRK EQUITY DIV- INSTL |
| JP Morgan JPMORGAN SMID CAP EQUITY – A |
| American Century AM CENT MDCPVAL INV |
| Clearbridge CLEARBRIDGE SMALL CAP GR IS |
| Eaton Vance EV INC FUND BOSTON A |
| PIMCO PIM REAL RETURN A |
| Janus J H TRITON S |
| All Spring AS EMRG MKTS EQ A |
| Principal MIDCAP FUND R3 |
| Fidelity Advisor FA INDUSTRIALS A |
| Fidelity Advisor FA TECHNOLOGY I |
| Fidelity Advisor FA ENERGY A |
| Fidelity Advisor FA HEALTH CARE I |
| Fidelity Advisor FID GOVT MMKT |
| Fidelity Advisor FA FREEDOM 2010 A |
| Fidelity Advisor FA FREEDOM 2020 A |
| Fidelity Advisor FA FREEDOM 2030 A |
| Fidelity Advisor FA FREEDOM 2040 |
| Fidelity Advisor FA FREEDOM INC A |
| Fidelity Advisor FA NEW INSIGHTS I |
| Fidelity Advisor FA FREEDOM 2015 A |
| Fidelity Advisor FA FREEDOM 2025 A |
| Fidelity Advisor FA FREEDOM 2035 A |
| Fidelity Advisor FA SM CAP VAL I |
| Fidelity Advisor FA INTL DISCOVERY I |
| Fidelity Advisor FA FREEDOM 2045 A |
| Fidelity Advisor FA FREEDOM 2050 A |
| Fidelity Advisor FA GOV INCOME I |
| Fidelity Advisor FA CONS STAPLES A |
| Fidelity Advisor FA GOLD A |
| Fidelity Advisor FID US BOND IDX |
| Fidelity Advisor FID 500 INDEX |
| Fidelity Advisor FA FREEDOM 2055 A |
| Fidelity Advisor FID MID CAP IDX |
| Fidelity Advisor FID SM CAP IDX |
| Fidelity Advisor FID INTL INDEX |
| Fidelity Advisor FA FREEDOM 2060 A |
| Fidelity Advisor FA FREEDOM 2065 A |
Investment model portfolios
We provide two types of investment model portfolios for US INFORMATION SYSTEMS 401K 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 US INFORMATION SYSTEMS 401K PLAN