Investment options of THE ALCOTT GROUP 401(K) PLAN
Total Available Funds: 46
| Investment Description |
|---|
| FIDELITY SDBA SELF-DIRECTED BROKERAGE ACCOUNTS |
| ISHARES MSCI EAFE INTERNATIONAL INDEX FUND CLASS K MUTUAL FUND |
| DFA EMERGING MARKETS CORE EQUITY PORTFOLIO INSTITUTIONAL CLASSMUTUAL FUND |
| FRANKLIN GROWTH FUNDCLASS R6 MUTUAL FUND |
| FIDELITY US BOND INDEX FUND MUTUAL FUND |
| GABELLI US TREASURY MONEY MARKET MUTUAL FUND |
| JANUS HENDERSON GLOBAL LIFE SCIENCES FUND CL T MUTUAL FUND |
| METROPOIITAN WEST TOTAL RETURN CLASS P MUTUAL FUND |
| PRUDENTIAL HIGH YIELD CL Q MUTUAL FUND |
| AB SMALL CAP GROWTH K MUTUAL FUND |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R6 MUTUAL FUND |
| THE INCOME FUND OF AMERICA CLASS R-6 MUTUAL FUND |
| DWS RREEF REAL ESTATE SECURITIES R6 MUTUAL FUND |
| DREYFUS BOSTON CO SM MID CAP GRW I MUTUAL FUND |
| JPMORGAN UNDISCOVERED MGS DISCIPL VALUE MUTUAL FUND |
| VANGUARD INFLATION PROTECTED SECURITIES MUTUAL FUND |
| VANGUARD LIFE STRATEGY GROWTH MUTUAL FUND |
| VANGUARD LIFESTRATEGY INCOME MUTUAL FUND |
| VANGUARD SELECT VALUE MUTUAL FUND |
| VANGUARD SHORT-TERM BOND INDEX ADMIRAL MUTUAL FUND |
| VANGUARD TOTAL BOND MARKET INDEX FUND ADMIRAL SHARES MUTUAL FUND |
| VANGUARD EQUITY INCOME ADMIRAL MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2055 INV MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2050 INV MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2040 INV MUTUAL FUND |
| VANGUARD GROWTH INDEX ADMIRAL MUTUAL FUND |
| VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES MUTUAL FUND |
| VANGUARD INDEX 500 (INSTITUTIONAL) MUTUAL FUND |
| VANGUARD INFORMATION TECHNOLOGY INDEX AD MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2065 INV MUTUAL FUND |
| VANGUARD LIFE STRATEGY CONSERVATIVE MUTUAL FUND |
| VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES MUTUAL FUND |
| VANGUARD LIFE STRATEGY MODERATE MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2070 INV MUTUAL FUND |
| VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES INDEX FUND ADMIRAL SHARESMUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2030 INV MUTUAL FUND |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES MUTUAL FUND |
| VANGUARD TARGET RETIREMENT INCOME MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2045 INV MUTUAL FUND |
| VANGUARD TOTAL STOCK MARKET INDEX FUND ADMIRAL SHARES MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2035 INV MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2060 INV MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2025 INV MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2020 INV MUTUAL FUND |
| METLIFE STABLE VALUE CLASS 0 COMMON/COLLECTIVE TRUST |
| RELIANCE NY LIFE ANCHOR SERIES 1 CL 0 COMMON/COLLECTIVE TRUST |
Investment model portfolios
We provide two types of investment model portfolios for THE ALCOTT GROUP 401(K) 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 THE ALCOTT GROUP 401(K) PLAN