Investment options of LOCALTEL COMMUNICATIONS 401(K) PROFIT SHARING PLAN
Total Available Funds: 39
| Investment Description |
|---|
| JH MULTIMANAGER AGGRESSIVE LS MUTUAL FUND |
| JH MULTIMANAGER GROWTH LS MUTUAL FUND |
| JH MULTIMANAGER BALANCED LS MUTUAL FUND |
| SCIENCE & TECHNOLOGY FUND MUTUAL FUND |
| MONEY MARKET FUND MUTUAL FUND |
| JH MULTIMANAGER MODERATE LS MUTUAL FUND |
| JP MORGAN US EQUITY FUND MUTUAL FUND |
| FUNDAMENTAL INVESTORS MUTUAL FUND |
| BLUE CHIP GROWTH FUND MUTUAL FUND |
| JH MULTIMANAGER CONSERV LS MUTUAL FUND |
| HIGH YIELD FUND MUTUAL FUND |
| AMERICAN BALANCED FUND MUTUAL FUND |
| JH DISCIPLINED VALUE INTL FUND MUTUAL FUND |
| JH MID CAP GROWTH MUTUAL FUND |
| MID CAP INDEX FUND MUTUAL FUND |
| TOTAL STOCK MARKET INDEX FUND MUTUAL FUND |
| SMALL CAP VALUE FUND MUTUAL FUND |
| DFA US TARGETED VALUE FUND MUTUAL FUND |
| INVESCO SMALL CAP GROWTH FUND MUTUAL FUND |
| T. ROWE PRICE SMALL CAP VALUE MUTUAL FUND |
| SMALL CAP STOCK FUND MUTUAL FUND |
| EQUITY INCOME FUND MUTUAL FUND |
| STRATEGIC INCOME OPPORTUNITIES FUND MUTUAL FUND |
| JH US QUALITY GROWTH MUTUAL FUND |
| CAPITAL APPRECIATION FUND MUTUAL FUND |
| 500 INDEX FUND MUTUAL FUND |
| VANGUARD SHORT-TERM FEDERAL MUTUAL FUND |
| FIDELITY ADVISOR TOTAL BOND MUTUAL FUND |
| REAL EST. SECURITIES FUND MUTUAL FUND |
| JH BOND FUND MUTUAL FUND |
| INTL EQUITY INDEX FUND MUTUAL FUND |
| JH MID VALUE FUND MUTUAL FUND |
| GLOBAL BOND FUND MUTUAL FUND |
| CORE BOND FUND MUTUAL FUND |
| INVESCO EQV INTERNATIONAL EQUITY FUND MUTUAL FUND |
| INTL SMALL CAP FUND MUTUAL FUND |
| JH NEW OPPORTUNITIES FUND MUTUAL FUND |
| EUROPACIFIC GROWTH FUND MUTUAL FUND |
| TEMPLETON WORLD FUND MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for LOCALTEL COMMUNICATIONS 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 LOCALTEL COMMUNICATIONS 401(K) PROFIT SHARING PLAN