Investment options of CONSUMERTRACK, INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 33
| Investment Description |
|---|
| AEGON US HIGH YIELD RET OPT POOLED SEPARATE ACCOUNT |
| ALGER WEATHERBIE SPECIALIZED GR RET OPTPOOLED SEPARATE ACCOUNT |
| ALLSPRING SPECIAL SMALL CAP VALUE RET OPT POOLED SEPARATE ACCOUNT |
| AMER FUNDS EUROPACIFIC GROWTH RET OPT POOLED SEPARATE ACCOUNT |
| AMERICANS NEW WORLD POOLED SEPARATE ACCOUNT |
| BLACKROCK GLOBAL ALLOCATION RET OPTPOOLED SEPARATE ACCOUNT |
| BNY MELLON GLOBAL FIXED INCOME RET OPT POOLED SEPARATE ACCOUNT |
| DWS ESG CORE EQUITY RET OPT POOLED SEPARATE ACCOUNT |
| DWS RREEF REAL ESTATE SECURITIES RET OPTPOOLED SEPARATE ACCOUNT |
| JANUS HENDERSON TRITON RET OPT POOLED SEPARATE ACCOUNT |
| LOOMIS SAYLES INVESTMENT GRADE BOND RET OPT POOLED SEPARATE ACCOUNT |
| METROPOLITAN WEST TR BOND POOLED SEPARATE ACCOUNT |
| MFS VALUE RET OPT POOLED SEPARATE ACCOUNT |
| NEUBERGER BERMAN SUSTAINABLE EQ RET OPTPOOLED SEPARATE ACCOUNT |
| PIMCO REAL RETURN RET OPT POOLED SEPARATE ACCOUNT |
| PIONEER FUNDAMENTAL GROWTH RET OPTPOOLED SEPARATE ACCOUNT |
| STATE STREET INTL INDEX RET OPT POOLED SEPARATE ACCOUNT |
| STATE STREET S&P MID CAP INDEX RET OPT POOLED SEPARATE ACCOUNT |
| STATE STREET U. S. BOND INDEX RET OPT POOLED SEPARATE ACCOUNT |
| TA VANGUARD SMALL-CAP INDEX RET OPTPOOLED SEPARATE ACCOUNT |
| TA VANGUARD TOTAL STOCK MARKET INDEX RET OPT POOLED SEPARATE ACCOUNT |
| TEMPLETON FOREIGN RET OPT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA INTL STOCK RET OPT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA LIFEGOAL 2030 WITH BLACKRCK RETOPTPOOLED SEPARATE ACCOUNT |
| TRANSAMERICA LIFEGOAL 2040 WITH BLKRCK RET OPTPOOLED SEPARATE ACCOUNT |
| TRANSAMERICA LIFEGOAL 2045 WITH BLKRCK RET OPTPOOLED SEPARATE ACCOUNT |
| TRANSAMERICA LIFEGOAL 2050 WITH BLKRCK RET OPTPOOLED SEPARATE ACCOUNT |
| TRANSAMERICA LIFEGOAL 2055 WITH BLKRCK RET OPTPOOLED SEPARATE ACCOUNT |
| TRANSAMERICA LIFEGOALRET WITH BLACKROCK RET OPT POOLED SEPARATE ACCOUNT |
| TRANSAMERICA PARTNERS STOCK INDEX RET OPT POOLED SEPARATE ACCOUNT |
| VANGUARD SMALL-CAP INDEX RET OPT POOLED SEPARATE ACCOUNT |
| VANGUARD TOTAL STOCK MARKET INDEX RET OPT POOLED SEPARATE ACCOUNT |
| WESTERN ASSET CORE PLUS BOND RET OPT POOLED SEPARATE ACCOUNT |
Investment model portfolios
We provide two types of investment model portfolios for CONSUMERTRACK, INC. 401(K) 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 CONSUMERTRACK, INC. 401(K) PROFIT SHARING PLAN