Investment options of UTICA ENTERPRISES INC. 401K PLAN
Total Available Funds: 38
| Investment Description |
|---|
| MFS International Diversification Fund R6 |
| Company Fidelity Advisor Strategic Income Fund |
| Fidelity Advisor Investment Grade Bond Fund |
| Fidelity Advisor Mid Cap II Fund |
| Fidelity Advisor Asset Manager 70% |
| Fidelity 500 Index Fund |
| Fidelity Advisor New Insights Fund Class Z |
| Fidelity Advisor Freedom Income Fund – Class Z |
| Fidelity Advisor Freedom 2010 Fund – Class Z |
| Fidelity Advisor Freedom 2015 Fund – Class Z |
| Fidelity Advisor Freedom 2020 Fund – Class Z |
| Fidelity Advisor Freedom 2025 Fund – Class Z |
| Fidelity Advisor Freedom 2030 Fund – Class Z |
| Fidelity Advisor Freedom 2035 Fund – Class Z |
| Fidelity Advisor Freedom 2040 Fund – Class Z |
| Fidelity Advisor Freedom 2045 Fund – Class Z |
| Fidelity Advisor Freedom 2050 Fund – Class Z |
| Fidelity Advisor Freedom 2055 Fund – Class Z |
| Fidelity Advisor Freedom 2060 Fund – Class Z |
| Fidelity Advisor Freedom 2065 Fund – Class Z |
| Fidelity Advisor Capital & Income Fund – Class A |
| Invesco Global Fund Class Y |
| Invesco Growth and Income Fund Class Y |
| Invesco Equity & Income Fund |
| Invesco Equally-Weighted S&P 500 Fund R6 |
| T. Rowe Price Integrated U.S. Small Cap Growth |
| T. Rowe Price Blue Chip Growth Fund |
| T. Rowe Price Dividend Growth Fund |
| Columbia Mid-Cap Index Fund |
| Columbia Small-Cap Index Fund |
| Columbia Dividend Income Fund Class |
| John Hancock Funds Disciplined Value Mid Cap I |
| American Funds Fundamental Investors Class R4 |
| Carillon Carillon Eagle Mid Cap Growth I |
| Allspring Allspring Special Small Cap Value Adm |
| Federated Hermes Mid-Cap Index Fund |
| Value III |
| from 4.25 to 9.50 percent – |
Investment model portfolios
We provide two types of investment model portfolios for UTICA ENTERPRISES INC. 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 UTICA ENTERPRISES INC. 401K PLAN