Investment options of CENTRAL STATES 401(K) RETIREMENT SAVINGS PLAN
Total Available Funds: 22
| Investment Description |
|---|
| AMERICAN FUNDS GROWTH FUND OF AMERICA R4 |
| BLACKROCK BLACKROCK LOW DURATION BOND K |
| CHARLES SCHWAB SCHWAB GOVERNMENT MONEY FUND |
| CHARLES SCHWAB SCHWAB S&P 500 INDEX FUND - SELECT SHARES |
| DODGE & COX DODGE & COX INTERNATIONAL STOCK FUND |
| JANUS HENDERSON JANUS HENDERSON VENTURE T |
| MASSMUTUAL MASSMUTUAL SELECT MID CAP GROWTH R5 |
| NORTHERN TRUST NORTHERN SMALL CAP VALUE FUND |
| T. ROWE PRICE T. ROWE PRICE REAL ESTATE FUND |
| TIAA-CREF TIAA-CREF INTERNATIONAL EQUITY INDEX INSTL |
| VANGUARD VANGUARD INTERMEDIATE - TERM BOND INDEX I |
| VANGUARD VANGUARD MID CAP VALUE INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD SMALL CAP VALUE INDEX FUND ADMIRAL SHARES |
| CHARLES SCHWAB SCHWAB INSTITUTIONAL LARGE CAP VALUE TRUST FUND - CLASS R |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT TRUST 2010 FUND - CLASS III |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT TRUST 2020 FUND - CLASS III |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT TRUST 2030 FUND - CLASS III |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT TRUST 2040 FUND - CLASS III |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT TRUST 2050 FUND - CLASS III |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT TRUST 2060 FUND - CLASS III |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT TRUST INCOME FUND - CLASS III |
| SELF-DIRECTED BROKERAGE ACCOUNTS PERSONAL CHOICE RETIREMENT |
Investment model portfolios
We provide two types of investment model portfolios for CENTRAL STATES 401(K) RETIREMENT SAVINGS 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 CENTRAL STATES 401(K) RETIREMENT SAVINGS PLAN