Investment options of CFBANK EMPLOYEE'S SAVINGS & PROFIT SHARING PLAN
Total Available Funds: 22
| Investment Description |
|---|
| NATIONWIDE TRUST COMPANY BLACKROCK ALLOCATED INST |
| NATIONWIDE TRUST COMPANY BLACKROCK MIDCAP GROWTH EQUITY INST |
| NATIONWIDE TRUST COMPANY INY BALANCE |
| NATIONWIDE TRUST COMPANY PIONEER BOND Y |
| NATIONWIDE TRUST COMPANY PIONEER FUNDEMENTAL GROWTH Y |
| NATIONWIDE TRUST COMPANY PGIM JNISN SM CO |
| NATIONWIDE TRUST COMPANY BNY MELLON GLOBAL REAL ESTATE |
| NATIONWIDE TRUST COMPANY VANGUARD TARGET RETIREMENT 2050 |
| NATIONWIDE TRUST COMPANY VNAGAURD TARGET RETIREMENT 2040 |
| NATIONWIDE TRUST COMPANY VANGUARD TARGET RETIREMENT 2035 |
| NATIONWIDE TRUST COMPANY VANGUARD GROWTH |
| NATIONWIDE TRUST COMPANY VANGAURD TARGET RETIREMENT 2045 |
| NATIONWIDE TRUST COMPANY VANGUARD TARGET RETIREMENT 2025 |
| NATIONWIDE TRUST COMPANY GOLDMAN SACHS GQG PARTNERS INTERNATIONAL OPPORTUNITIES FUND CL7 A4 S,SS |
| NATIONWIDE TRUST COMPANY JPMORGAN LARGECAP GROWTH |
| NATIONWIDE TRUST COMPANY ADVENTUS US LARGE CAP VALUE INST |
| NATIONWIDE TRUST COMPANY AGGREGATE SDBA ASSETS |
| NATIONWIDE TRUST COMPANY PARTICIPANT NOTES (3.50-7.50%) |
| NATIONWIDE TRUST COMPANY AMERICAN FUNDS EUROPACIFIC GROWTH |
| NATIONWIDE TRUST COMPANY AMERICAN SUNDS AMERICAN BALANCED FUNDS |
| NATIONWIDE TRUST COMPANY LEGG M CLRBRDG MID CAP |
| NATIONWIDE TRUST COMPANY NW DESTINATION 2055 |
Investment model portfolios
We provide two types of investment model portfolios for CFBANK EMPLOYEE'S SAVINGS & PROFIT SHARING 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 CFBANK EMPLOYEE'S SAVINGS & PROFIT SHARING PLAN