Investment options of ZEFR 401(K) PLAN
Total Available Funds: 33
| Investment Description |
|---|
| Pioneer Large Cap Growth Fund Reliance Trust – |
| NYL Anchor Fund Reliance Trust – |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| COHEN & STEERS REALTY SHARES |
| FID FREE INDX 2020 IP |
| VANGUARD MIDCAP GROWTH IDX ADM |
| VANGUARD MID CAP VALUE IND ADM |
| FID FREE INDX 2025 IP |
| VANGUARD WINDSOR FUND ADMIRAL |
| FID FREE INDX 2035 IP |
| FID FREE INDX 2050 IP |
| FID FREE INDX 2055 IP |
| FID FREE INDX 2045 IP |
| FID SMALL CAP INDEX |
| FID FREE INDX 2015 IP |
| FID FREE INDX 2040 IP |
| FID INTERNATIONAL INDEX |
| BRN ADV SUSTAIN GROWTH INST |
| AMERICAN FUNDS NEW WORLD R6 |
| FID FREE INDX 2030 IP |
| TRANSAMERICA INTL EQUITY I |
| FID FREEDOM IND2010 INSTL PREM |
| FID MID CAP INDEX |
| VICTORY SMALL CO OPP R6 |
| JAN HEND GLOBAL TECH INNOV N |
| FID 500 IND |
| BLACKROCK HIGH YIELD K |
| FID FREE INDX INCOME IP |
| VANGUARD EXPLORER ADMIN |
| HARTFORD TR BOND FUND R6 |
| NYL ANCHOR ACCOUNT |
| PIONEER LARGE CAP GROWTH R1 |
Investment model portfolios
We provide two types of investment model portfolios for ZEFR 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 ZEFR 401(K) PLAN