Investment options of CHARLES PENZONE, INC. 401(K) PLAN AND TRUST
Total Available Funds: 54
| Investment Option List |
|---|
| Fidelity Advisor Freedom Blend 2040 Fund (FHDEX) |
| Fidelity Advisor Freedom Blend 2030 Fund (FHRCX) |
| Fidelity Advisor Freedom Blend 2035 Fund (FHBCX) |
| Fidelity Advisor Freedom Blend 2045 Fund (FHBFX) |
| Fidelity Advisor Freedom Blend 2050 Fund (FHJCX) |
| Fidelity Advisor Freedom Blend 2055 Fund (FHGCX) |
| Vanguard Growth (VQNPX) |
| Fidelity Advisor Freedom Blend 2025 Fund (FHSPX) |
| Vanguard Equity Income Fund (VEIPX) |
| MFS International Intrinsic Value Fund (MINIX) |
| Vanguard Mid Cap (VIMSX) |
| Vanguard Small Cap (VISVX) |
| Vanguard Mid Cap Value (VMVIX) |
| American Funds New World R6 (HVWBX) |
| DFA International Small Company Fund (DISVX) |
| Vanguard Midcap Growth (VQNPX) |
| Vanguard Intermediate Term Bond Fund (VBIIX) |
| Fidelity Advisor Freedom Blend 2065 Fund (FAXDX) |
| Vanguard Small Cap Value (VISVX) |
| Fidelity Advisor Freedom Blend 2020 Fund (FHWCX) |
| Vanguard Small Cap Growth (VISGX) |
| Fidelity Advisor Freedom Blend Income Fund (FHAHX) |
| Fidelity Advisor Freedom Blend 2060 Fund (FHDCX) |
| Wilmington Trust, N.A. Lord Abbett High Yield Fund (LAHYX) |
| Wilmington Trust, N.A. Core Plus Bond II (GPBFX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VANGUARD MID CAP VALUE IND ADM (VMVIX) |
| FIDELITY FREEDOM BLEND 2030 K6 (FHAEX) |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| VANGUARD GROWTH INDEX FUND ADM (VTGLX) |
| VANG TOT STK MKT IDX – ADMIRAL |
| PRINCIPAL RE SECURITIES I |
| FIDELITY FREEDOM BLEND 2045 K6 (FHAQX) |
| VANG EQUITY INC ADM |
| VANGUARD MID CAP INDEX – ADM (VIMSX) |
| VANGUARD MIDCAP GROWTH IDX ADM (VTGLX) |
| VANGUARD SM CP GR IDX -ADMIRAL |
| DFA INTERNATIONAL SM CO INST (HICFX) |
| FIDELITY FREEDOM BLEND 2020 K6 (FHAVX) |
| FIDELITY FREEDOM BLEND 2055 K6 (FHAOX) |
| FIDELITY FREEDOM BLEND INC K6 (FHAAX) |
| FIDELITY FREEDOM BLEND 2040 K6 (FHARX) |
| FIDELITY FREEDOM BLEND 2065 K6 (FAXDX) |
| VANGUARD INTERMEDIATE TERM BON (VBIIX) |
| MFS INTL INTRINSIC VALUE R6 (GMVMX) |
| FIDELITY FREEDOM BLEND 2035 K6 (FHASX) |
| FIDELITY FREEDOM BLEND 2025 K6 (FHAUX) |
| VANGUARD SM CAP VAL INDEX ADM (VSLVX) |
| FIDELITY FREEDOM BLEND 2060 K6 (FHANX) |
| FIDELITY FREEDOM BLEND 2050 K6 (FHAPX) |
| CORE PLUS BOND II – R1 (GPBFX) |
| METLIFE REL ST VAL 25053 – |
| LORD ABBETT HI YLD CORE TR R |
Investment model portfolios
We provide two types of investment model portfolios for CHARLES PENZONE, INC. 401(K) PLAN AND TRUST 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 CHARLES PENZONE, INC. 401(K) PLAN AND TRUST