Investment options of APPLIANCE REPLACEMENT INC 401(K) PROFIT SHARING PLAN & TRUST
Total Available Funds: 35
| Investment Description |
|---|
| MUTUAL FUNDS WESTERN ASSET GOVERNMENT RESERVES CLASS A |
| MUTUAL FUNDS WESTERN ASSET CORPORATE BOND FUND CLASS A |
| MUTUAL FUNDS QS GLOBAL EQUITY FUND CLASS A |
| MUTUAL FUNDS CLEARBRIDGE LARGE CAP FUND CLASS A |
| MUTUAL FUNDS CLEARBRIDGE DIVIDEND STRATEGY FUND CLASS A |
| MUTUAL FUNDS VANGUARD VALUE INDEX FUND ADMIRAL SHARES |
| MUTUAL FUNDS CLEARBRIDGE MID CAP FUND CLASS A |
| MUTUAL FUNDS CLEARBRIDGE AGGRESSIVE GROTH FUND CLASS IS |
| MUTUAL FUNDS CLEARBRIDGE SMALL CAP FUND CLASS A |
| MUTUAL FUNDS VANGUARD BALANCED INDEX FUND ADMIRAL SHARES |
| MUTUAL FUNDS VANGUARD SMALL CAP VALUE INDEX FUND ADMIRAL SHARES |
| MUTUAL FUNDS STATE STREET TARGET RETIREMENT 2035 FUND CLASS L |
| MUTUAL FUNDS CLEARBRIDGE APPRECIATION FUND CLASS A |
| MUTUAL FUNDS QS MODERATE GROWTH FUND CLASS A |
| MUTUAL FUNDS STATE STREET TARGET RETIREMENT 2025 FUND CLASS L |
| MUTUAL FUNDS WESTERN ASSET MORTGAGE TOTAL RETURN FUND CLASS A |
| MUTUAL FUNDS QS GROWTH FUND CLASS A |
| MUTUAL FUNDS VANGUARD GROWTH INDEX FUND ADMIRAL SHARES |
| MUTUAL FUNDS STATE STREET EQUITY 500 INDEX FUND CLASS A |
| MUTUAL FUNDS QS CONSERVATIVE GROWTH FUND CLASS A |
| MUTUAL FUNDS QS DEFENSIVE GROWTH FUND CLASS A |
| MUTUAL FUNDS ISHARES MSCI EAFE INTERNATIONAL INDEX FUND INVESTOR A SHARES |
| MUTUAL FUNDS VANGUARD SMALL CAP GROWTH INDEX FUND ADMIRAL SHARES |
| MUTUAL FUNDS NORTHERN BOND INDEX FUND |
| MUTUAL FUNDS ISHARES RUSSELL MID-CAP INDEX FUND INVESTOR A |
| MUTUAL FUNDS NORTHERN SMALL CAP INDEX FUND |
| MUTUAL FUNDS STATE STREET TARGET RETIREMENT 2060 FUND CLASS L |
| MUTUAL FUNDS STATE STREET TARGET RETIREMENT FUND CLASS L |
| MUTUAL FUNDS STATE STREET AGGREGATE BOND INDEX FUND CLASS A |
| MUTUAL FUNDS TIAA-CPF EQUITY INDEX FUND RETAIL CLASS |
| MUTUAL FUNDS VANGUARD SMALL CAP INDEX FUND ADMIRAL SHARES |
| MUTUAL FUNDS STATE STREET TARGET RETIREMENT 2050 FUND CLASS L |
| MUTUAL FUNDS STATE STREET TARGET RETIREMENT 2055 FUND CLASS L |
| MUTUAL FUNDS STATE STREET TARGET RETIREMENT 2030 FUND CLASS L |
| MUTUAL FUNDS STATE STREET TARGET RETIREMENT 2020 FUND CLASS L |
Investment model portfolios
We provide two types of investment model portfolios for APPLIANCE REPLACEMENT INC 401(K) PROFIT SHARING 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 APPLIANCE REPLACEMENT INC 401(K) PROFIT SHARING PLAN & TRUST