Investment options of YOUNG INNOVATIONS INC. 401K PROGRAM
Total Available Funds: 30
| Investment Description |
|---|
| Fidelity Investments Mid Cap Index |
| Fidelity Investments International |
| Fidelity Investments |
| Fidelity Investments U.S. Bond |
| Blackrock LifePath Index 2030 Class K |
| Blackrock LifePath Index 2035 Class K |
| Blackrock LifePath Index 2040 Class K |
| Blackrock LifePFath Index 2045 Class K |
| Blackrock LifePath Index 2050 Class K |
| Blackrock LifePath Index 2055 Class K |
| Blackrock LifePath Index 2060 Class K |
| Blackrock BlaAckrock LifePath Index 2065 Class K |
| Blackrock LifePath Index Retirement Class K |
| Blackrock High Yield Bond Class K |
| iShares Russell 2000 Small Cap Index Class K |
| Vanguard Mid Cap Value index |
| Vanguard Explorer Fund |
| American Funds AF Balanced R6 Fund |
| American Funds AF New World R6 Fund |
| Baird Baird Core Plus Bond Fund |
| T. Rowe Price Dividend Growth Class I |
| Janus Henderson JH Enterprise Fund Class N |
| JPMorgan JPM Large Cap Growth Class R6 |
| Legg Mason BW Global Opportunities Bond Fund |
| PIMCO Income Instl Fund |
| PIMCO RAE US Small Instl Fund |
| Dimensional Fund Advisors, Inc. Dimensional International Small Cap Value |
| Franklin Templeton Investments Franklin Utilities Fund Class R6 |
| Great Gray Trust Putnam Large Cap Value Class R1 |
| Great Gray Trust International Growth II Class R1 |
Investment model portfolios
We provide two types of investment model portfolios for YOUNG INNOVATIONS INC. 401K PROGRAM 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 YOUNG INNOVATIONS INC. 401K PROGRAM