Investment options of ZIGNAL LABS 401(K) PLAN
Total Available Funds: 34
| Investment Option List |
|---|
| Calvert Equity Fund R6 (CWVIX) |
| PIMCO Real Return Fund Institutional Class (PRLPX) |
| BlackRock High Yield Bond K (BHYIX) |
| BlackRock Equity Dividend Fund Institutional Shares (MADVX) |
| Fidelity Large Cap Growth Index (FSLGX) |
| Carillon Eagle Mid Cap Growth R6 (HRAYX) |
| American Funds New Perspective R6 (FFPNX) |
| Invesco Gold & Special Minerals R6 (IOGYX) |
| Victory Sycamore Established Value I (GETGX) |
| Calvert US Large-Cap Core Responsible Index Fund R6 (CISIX) |
| Buffalo Small Cap Growth Institutional (SGRIX) |
| Vanguard 500 Index Admiral (VFINX) |
| Vanguard Mid Cap Index Admiral (VIMSX) |
| Vanguard Small-Cap Index Admiral (VISVX) |
| Vanguard FTSE Social Index Admiral (VFTNX) |
| Vanguard Developed Markets Index Admiral (VDMIX) |
| Vanguard Emerging Markets Stock Index Admiral (VEIEX) |
| Vanguard Target Retirement 2025 Fund (VTTVX) |
| Vanguard Target Retirement 2030 Fund (VTHRX) |
| Vanguard Target Retirement 2035 Fund (VTTHX) |
| Vanguard Target Retirement 2040 Fund (VFORX) |
| Vanguard Target Retirement 2045 Fund (VTIVX) |
| Vanguard Target Retirement 2050 Fund (VFIFX) |
| Vanguard Target Retirement 2055 Fund (VFFVX) |
| Vanguard Target Retirement 2060 Fund (VTTSX) |
| Vanguard Target Retirement 2065 Fund (VSXFX) |
| Vanguard Target Retirement Income Fund (VTINX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| BlackRock (PBAIX) |
| Vanguard (VFISX) |
| Carillon (CCAAX) |
| American Funds (CMFCX) |
| Fidelity (FDGFX) |
Investment model portfolios
We provide two types of investment model portfolios for ZIGNAL LABS 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 ZIGNAL LABS 401(K) PLAN