Investment options of WORKRISE TECHNOLOGIES, INC. 401(K) PLAN
Total Available Funds: 35
| Investment Description |
|---|
| Participants’ contributions |
| Participants |
| Dividend and interest income |
| Interest income on notes receivable from participants |
| Corrective distributions |
| Fidelity American Century Small Cap Value Fund R6 Class |
| Fidelity American Funds New World R6 |
| Fidelity Baron Growth Inst |
| Fidelity Eaton Vance Income Fund of Boston R6 |
| Fidelity Fidelity |
| Fidelity Freedom Index 2010 Fund Institutional Premium Class |
| Fidelity Freedom Index 2015 Fund Institutional Premium Class |
| Fidelity Freedom Index 2020 Fund Institutional Premium Class |
| Fidelity Freedom Index 2025 Fund Institutional Premium Class |
| Fidelity Freedom Index 2030 Fund Institutional Premium Class |
| Fidelity Freedom Index 2035 Fund Institutional Premium Class |
| Fidelity Freedom Index 2040 Fund Institutional Premium Class |
| Fidelity Freedom Index 2045 Fund Institutional Premium Class |
| Fidelity Freedom Index 2050 Fund Institutional Premium Class |
| Fidelity Freedom Index 2055 Fund Institutional Premium Class |
| Fidelity Freedom Index 2060 Fund Institutional Premium Class |
| Fidelity Freedom Index 2065 Fund Institutional Premium Class |
| Fidelity Freedom Index 2070 Fund Institutional Premium Class |
| Fidelity Freedom Index Income Fund Institutional Premium Class |
| Fidelity Inflation-Protected Bond |
| Fidelity Mid Cap Index Fund |
| Fidelity Small Cap Index Fund |
| Fidelity Jhancock Disciplined Value Mid Cap R6 |
| Fidelity MFS International Diversification Fund Class R6 |
| Fidelity MFS Massachusetts Investors Growth Stock Fund Class R6 |
| Fidelity MFS Value Fund Class R6 |
| Fidelity PGIM Jennison Small Company R6 |
| Fidelity PIMCO Income Fund Institutional Class |
| Fidelity Templeton Global Bond Fund Class R6 |
| Fidelity Western Asset Core Bond Fund Class IS |
Investment model portfolios
We provide two types of investment model portfolios for WORKRISE TECHNOLOGIES, INC. 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 WORKRISE TECHNOLOGIES, INC. 401(K) PLAN