Investment options of XPT PARTNERS 401(K) PLAN
Total Available Funds: 28
| Investment Option List |
|---|
| Lord Abbett Short Duration Inc (LLDYX) |
| Fidelity Intermediate Tr Bond Index (FIBAX) |
| Vanguard Inflation Protected Adm (VIPSX) |
| Vanguard Int-Term Bond Index Adm (VBISX) |
| Vanguard Balance Index Admiral Func |
| Fidelity FDM IDX INC IPR |
| Fidelity FDM IDX 2010 IPR (FFFCX) |
| Fidelity FDM IDX 2015 IPR (FFVFX) |
| Fidelity FDM IDX 2020 IPR (FFFDX) |
| Fidelity FDM IDX 2025 IPR (FFTWX) |
| Fidelity FDM IDX 2030 IPR (FFFEX) |
| Fidelity FDM IDX 2035 IPR (FFTHX) |
| Fidelity FDM IDX 2040 IPR (FFFFX) |
| Fidelity FDM IDX 2045 IPR (FFFGX) |
| Fidelity FDM IDX 2050 IPR (FFFHX) |
| Fidelity FDM IDX 2055 IPR (FDEWX) |
| Fidelity FDM IDX 2060 IPR |
| Fidelity FDM IDX 2065 IPR |
| iShares MSCI EAFE Int Index K (BTMPX) |
| Fidelity 500 Index (FUSEX) |
| Franklin Dyna Tech R6 |
| Vanguard Growth Index Admiral (VQNPX) |
| Alger Small Cap Focus Z (AGOZX) |
| Fidelity Mid Cap Index (FIIMX) |
| Fidelity Small Cap Index (FSISX) |
| American Funds New Prospective R6 (HVWBX) |
| American Funds New World R6 (HVWBX) |
| MFS Intl Diversification R6 (BIIDX) |
Investment model portfolios
We provide two types of investment model portfolios for XPT PARTNERS 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 XPT PARTNERS 401(K) PLAN