Investment options of ZELLE LLP PROFIT SHARING 401(K) PLAN
Total Available Funds: 20
| Investment Description |
|---|
| BLACKROCK ISHARES INT'L IND FUND |
| BLACKROCK ISHARES MID-CAP IND FD |
| BLACKROCK ISHARES S&P 500 IND FD |
| BLACKROCK ISHARES US AGG BD IND FD |
| BLACKROCK LIFEPATH INDEX 2025 FUND |
| BLACKROCK LIFEPATH INDEX 2030 FUND |
| BLACKROCK LIFEPATH INDEX 2035 FUND |
| BLACKROCK LIFEPATH INDEX 2040 FUND |
| BLACKROCK LIFEPATH INDEX 2045 FUND |
| BLACKROCK LIFEPATH INDEX 2050 FUND |
| BLACKROCK LIFEPATH INDEX 2055 FUND |
| BLACKROCK LIFEPATH INDEX 2060 FUND |
| BLACKROCK LIFEPATH INDEX RMNT FUND |
| BLACKROCK TOTAL STOCK MARTKET IDX FD |
| TIAA- CREF LARGE CAP VALUE INDEX FD |
| VANGUARD EMERG MRKTS STOCK INDX FD |
| VANGUARD GROWTH INDEX FUND |
| VANGUARD INTERM-TERM TRES BD IDX FD |
| VANGUARD REAL ESTATE INDEX FUND |
| VANGUARD SMALL CAP INDEX FUND |
Investment model portfolios
We provide two types of investment model portfolios for ZELLE LLP PROFIT SHARING 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 ZELLE LLP PROFIT SHARING 401(K) PLAN