Investment options of ZIMPERIUM, INC. 401(K) PLAN & TRUST
Total Available Funds: 26
| Investment Option List |
|---|
| Fidelity Freedom 2030 Fund Institutional Premium Class (FFEGX) |
| Fidelity Freedom 2035 Fund Institutional Premium Class (FFEZX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Freedom 2040 Fund Institutional Premium Class (FFIZX) |
| Fidelity Freedom 2055 Fund Institutional Premium Class (FFLDX) |
| Fidelity Freedom 2050 Fund Institutional Premium Class (FFOPX) |
| Fidelity Freedom 2045 Fund Institutional Premium Class (FFOLX) |
| Fidelity Freedom 2060 Fund Institutional Premium Class (FFLEX) |
| Fidelity Large Cap Growth (FSLGX) |
| Fidelity International Index (FDIVX) |
| Fidelity Mid Cap (FIIMX) |
| Fidelity Freedom 2025 Fund Institutional Premium Class (FFEDX) |
| Fidelity Large Cap Value (FSLVX) |
| Fidelity Freedom Index 2015 Fund Institutional Premium Class (FIWFX) |
| Fidelity Freedom 2065 Fund Institutional Premium Class (FFIKX) |
| Fidelity Advisor Stock Selector Small Cap Fund – Class Z (FCDIX) |
| Brown Advisory Brown Advisory Sustainable Growth Fund Institutional Shares (BAFWX) |
| Fidelity U.S. Bond (FSHBX) |
| American Century Emerging Markets Fund R6 (ACADX) |
| American Funds Bond Fund of America R6 (FBOFX) |
| Fidelity Small Cap (FSISX) |
| Cohen and Steers Securities, LLC Cohen and Steers Institutional Realty Shares (CSDIX) |
| Fidelity Freedom 2070 Fund Institutional Premium Class (FFEDX) |
| Fidelity Emerging Markets (FMKIX) |
| PGIM PGIM Heigh Yield Fund – Class R6 (PHYEX) |
| Fidelity Inflation-Protected Bond (FINPX) |
Investment model portfolios
We provide two types of investment model portfolios for ZIMPERIUM, INC. 401(K) PLAN & TRUST 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 ZIMPERIUM, INC. 401(K) PLAN & TRUST