Investment options of CAMBIUM LEARNING PROFIT SHARING RETIREMENT PLAN
Total Available Funds: 31
| Investment Description |
|---|
| Fidelity Investments FID Govt Mmkt – |
| Fidelity Investments FID Govt Mmkt K6 – |
| Great Gray Trust Company LLC MFS Growth Equity Fund L – |
| Ameriprise Trust Company Columbia Trust Dividend Income Instl. 1 – |
| Great Gray Trust Company LLC AB US Small Cap Growth S – |
| Great Gray Trust Company LLC Western Asset Core Plus Bond L1 – |
| Global Trust Company – |
| Great Gray Trust Company LLC MidCap Growth Equity L1 – |
| Fidelity Investments 500 Index – |
| Fidelity Investments Blend Target Date 2045 PR – |
| Fidelity Investments Blend Target Date 2040 PR – |
| Fidelity Investments Blend Target Date 2030 PR – |
| Fidelity Investments Contrafund K6 – |
| Fidelity Investments Blend Target Date 2035 PR – |
| Fidelity Investments Blend Target Date 2050 PR – |
| Fidelity Investments Blend Target Date 2055 PR – |
| Fidelity Investments Blend Target Date 2060 PR – |
| Fidelity Investments Blend Target Date 2025 PR – |
| Fidelity Investments Blend Target Date 2020 PR – |
| Fidelity Investments Extended Market Index – |
| Massachusetts Financial Services MFS Mid Cap Value R6 – |
| Invesco Advisors, Inc. Invesco Small Cap Value Y – |
| Victory Capital Management, Inc. Victory RS International Fund Y – |
| BlackRock Advisors, LLC BlackRock Core Bond Institutional – |
| Fidelity Investments Blend Target Date 2065 PR – |
| Fidelity Investments US Bond Index – |
| Fidelity Investments Blend Target Date 2010 PR – |
| Fidelity Investments Blend Target Date Income PR – |
| Calamos Investment Advisors Calamos International Growth I – |
| Fidelity Investments Blend Target Date 2015 PR – |
| Fidelity Investments Blend Target Date 2070 PR – |
Investment model portfolios
We provide two types of investment model portfolios for CAMBIUM LEARNING PROFIT SHARING RETIREMENT 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 CAMBIUM LEARNING PROFIT SHARING RETIREMENT PLAN