Investment options of CERITY PARTNERS 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| Baird BAIRD SHORT TERM BOND INST FD N/R |
| BlackRock HIGH YLD BOND K FUND N/R |
| BNY Mellon BNYM DYNAMIC VALUE I FUND N/R |
| Dodge and Cox Funds DODGE & COX INTL STOCK I FUND N/R |
| DWS DWS RREEF RE SECURITIES I FUND N/R |
| Fidelity Management & Research Fidelity 500 Index Fund N/R |
| JOHCM Funds JOHCM INTERNTL SELECT INS FUND N/R |
| JPMorgan Large Cap Growth Fund N/R |
| PIMCO Funds PIMCO INTL BOND (USD-HDG) I FD N/R |
| PIMCO Funds PIMCO REAL RETURN INSTL FUND N/R |
| Vanguard Group VANGUARD DEV MKTS INDEX ADM N/R |
| Vanguard Group VANGUARD EMG MK STK IDX ADM FD N/R |
| Vanguard Group VANGUARD EXT MK INDEX ADM FD N/R |
| Vanguard Group VANGUARD TGT RMT INC INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2020 INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2025 INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2030 INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2035 INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2040 INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2045 INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2050 INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2055 INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2060 INV FUND N/R |
| Vanguard Group VANGUARD TGT RMT 2065 INV FUND N/R |
| AMG Funds AMG GW&K SM/MD CAP I FD N/R |
| Vanguard Group VANGUARD TGT RMT 2070 INV FUND N/R |
| PIMCO STABLE INCOME FD CL 1 N/R |
| Lord Abbett & Co, LLC LORD ABBETT TL RET TR II BP FD N/R |
Investment model portfolios
We provide two types of investment model portfolios for CERITY PARTNERS 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 CERITY PARTNERS 401(K) PLAN