Investment options of ZACK GROUP 401(K) PLAN
Total Available Funds: 61
| Investment Description |
|---|
| Invesco Stable Asset Fund |
| American Century Emerging Markets Fund |
| American Funds Inflation Linked Bond Fund |
| American Funds Washington Mutual Investors Fund |
| American Funds American Balanced Fund |
| DFA Commodity Strategy Portfolio Fund |
| Ishares MSCI EAFE International |
| Ishares US Aggregate Bond |
| Ishares Russell Mid Cap |
| Janus Henderson Triton Fund |
| JP Morgan Equity Income Fund |
| Pilgrim High Yield Fund |
| Pioneer Fundamental Growth Fund |
| StateStreet Equity |
| T. Rowe Price Dividend Growth Fund |
| T. Rowe Price Overseas Stock Fund |
| T. Rowe Price Small Cap Value Fund |
| Vanguard Target Retirement Inc |
| Vanguard Target Retirement 2020 Fund |
| Vanguard Target Retirement 2025 Fund |
| Vanguard Target Retirement 2030 Fund |
| Vanguard Target Retirement 2035 Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard Target Retirement 2045 Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Target Retirement 2055 Fund |
| Vanguard Target Retirement 2060 Fund |
| Vanguard Target Retirement 2065 Fund |
| Vanguard Small Cap Index |
| Vanguard Small Cap Value |
| Rates from 5.25% to 10.50% – |
| VAN TARGET RETIRE 2035 |
| ISHARES MSCI EAFE INTL INDEX K |
| STATE ST EQUITY 500 INDEX K |
| ISHARES US AGGREGATE BD IDX K |
| VAN TARGET RETIRE 2020 |
| VANGUARD SMALL CAP INDEX ADMRL |
| VAN TARGET RETIRE 2055 |
| VAN TARGET RETIRE 2025 |
| AMF INFL LINKED BOND R6 |
| T. ROWE PRICE DIVIDEND GR I |
| AMERFUNDS AMER BALANCED – R6 |
| JANUS HENDERSON TRITON FUND N |
| AMERICAN FUNDS WAMU – R6 |
| VAN TARGET RETIRE 2050 |
| VAN TARG RETIRE 2060 |
| PGIM HIGH YIELD FUND R6 |
| VAN TARGET RETIRE INC |
| VAN TARG RETIRE 2065 |
| T ROWE PRICE SMALL CAP VALUE I |
| DFA COMMODITY STRAT PORT INST |
| T ROWE PRICE OVERSEAS STOCK |
| VAN TARGET RETIRE 2040 |
| VANGUARD SM CAP VAL INDEX ADM |
| JPMORGAN EQUITY INCOME FUND R6 |
| PIONEER FUNDAMENTAL GROWTH K |
| VAN TARGET RETIRE 2045 |
| AMC EMERGING MKTS – R6 |
| VAN TARGET RETIRE 2030 |
| ISHARES RUSSELL MIDCAP INDEX K |
| INVESCO STABLE ASSET – ADPZ |
Investment model portfolios
We provide two types of investment model portfolios for ZACK GROUP 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 ZACK GROUP 401(K) PLAN