Investment options of 48FORTY SOLUTIONS 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| American Funds Washington Mutual R6 |
| BlackRock Mid-Cap Growth Equity K |
| Fidelity Emerging Markets Index |
| Loomis Loomis Sayles Small Cap Growth N |
| Vanguard Inflation-Protected Secs Adm |
| Vanguard Small Cap Index Adm |
| MacQuarie MacQuarie Small Cap Value R6 |
| Galliard Capital Management Galliard Stable Return Fund C |
| T. Rowe Price Ret Blend Sel TR 2010 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2015 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2020 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2025 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2030 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2035 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2040 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2045 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2050 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2055 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2060 CL 2 |
| T. Rowe Price Ret Blend Sel TR 2065 CL 2 |
| Jennison Fund |
| Capital Group Capital Group Europacific Growth SA |
| MFS Investment Management MFS Mid Cap Value Fund (IS Platform) |
| Participants** Participant notes receivable – Bearing interest at |
| percent to 9.50 percent – |
Investment model portfolios
We provide two types of investment model portfolios for 48FORTY SOLUTIONS 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 48FORTY SOLUTIONS 401(K) PLAN