Investment options of OPENSESAME 401K PLAN
Total Available Funds: 24
| Investment Option List |
|---|
| Allspg Spec Mdcp Vl Fd R6 Shares of |
| American Funds New World R6 Shares of (HVWBX) |
| American Funds Nw Prspctv R6 Shares of |
| Clrbrg Intl Growth Fd Is Shares of |
| Dfa Shrt Duratn Real Rtrn Ins Shares of |
| Dfa Us Small Cap Gr Port Ins Shares of (DSCGX) |
| Fidelity Adv Technology Fund I Shares of (FATIX) |
| Fidelity Adv Ttl Bnd Fd Z Shares of |
| Franklin Mutual Sm Cap Val R6 Shares of |
| Nuveen Lgcp Grw Indx Fd R6 Shares of |
| Pgim High Yield Fund R6 Shares of (PHYEX) |
| Pimco Income Fund Ins Shares of (PFIIX) |
| Pimco Intl Bd Fd (Us Dl-Hdg) I Shares of |
| Pimco Invmt Grd Crdt Bd Fd Ins Shares of |
| Putnam Lrg Cp Val Fd – Cl R6 Shares of (PSCRX) |
| Vangrd 500 Index Fund Adm Shares of |
| Vangrd Dev Mkts Index Fd Adm Shares of |
| Vangrd Federal Mny Mkt Fd Inv Shares of |
| Vangrd Health Care Fund Adm Shares of (EHCYX) |
| Vangrd Mid-Cap Index Fund Adm Shares of (WMCGX) |
| Vangrd Small-Cap Index Fnd Adm Shares of |
| Vangrd Wellesley Inc Fnd Adm Shares of |
| Virtus Kar Midcap Core R6 Shares of (PKSFX) |
| percent with maturity dates through 2029 -0- |
Investment model portfolios
We provide two types of investment model portfolios for OPENSESAME 401K 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 OPENSESAME 401K PLAN