Investment options of CREDO COMMUNITY CENTER FOR THE TREATMENT OF ADDICTIONS INC 401K PROFIT SHARING PLAN
Total Available Funds: 27
| Investment Description |
|---|
| FIDELITY GOVERNMENT CASH RESERVES MONEY MARKET ACCOUNT |
| RBC EMERGING MARKETS EQUITY FUND CLASS R6 |
| JANUS HENDERSON GROWTH AND INCOME FUND |
| GOLDMAN SACHS INFL PROTECTED SECS R6 |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND® CLASS R6 |
| AMERICAN MUTUAL FUND® CLASS R-6 |
| ALLSPRING SPECIAL MID CAP VALUE FUND - CLASS R6 |
| MFS MID CAP GROWTH FUND CLASS R6 |
| ALLSPRING SPECIAL SMALL CAP VALUE FUND - CLASS R6 |
| FIDELITY U. S. BOND INDEX FUND |
| FIDELITY 500 INDEX |
| FIDELITY GLOBAL EX U. S. INDEX FUND |
| FIDELITY MID CAP INDEX FUND |
| FIDELITY SMALL CAP INDEX FUND |
| FIDELITY TOTAL BOND K6 |
| FIDELITY BLUE CHIP GROWTH K6 |
| FIDELITY INTERNATIONAL CAPITAL APPRECIATION K6 |
| FIDELITY FREEDOM 2020 FUND CLASS K6 |
| FIDELITY FREEDOM 2025 FUND CLASS K6 |
| FIDELITY FREEDOM 2030 FUND CLASS K6 |
| FIDELITY FREEDOM 2035 FUND CLASS K6 |
| FIDELITY FREEDOM 2040 FUND CLASS K6 |
| FIDELITY FREEDOM 2045 FUND CLASS K6 |
| FIDELITY FREEDOM 2050 FUND CLASS K6 |
| FIDELITY FREEDOM 2055 FUND CLASS K6 |
| FIDELITY FREEDOM 2060 FUND CLASS K6 |
| FIDELITY FREEDOM 2065 FUND CLASS K6 |
Investment model portfolios
We provide two types of investment model portfolios for CREDO COMMUNITY CENTER FOR THE TREATMENT OF ADDICTIONS INC 401K 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 CREDO COMMUNITY CENTER FOR THE TREATMENT OF ADDICTIONS INC 401K PROFIT SHARING PLAN