Investment options of CONSUMER PORTFOLIO SERVICES, INC. 401(K) PLAN
Total Available Funds: 68
| Investment Description |
|---|
| Vanguard 1VFIAX Vanguard 500 Index Admiral $ 8 ,841,690 |
| Consumer Portfolio Services, Inc. 1CPSSTK Consumer Portfolio Services, Inc. Common Stock |
| Guaranteed Interest Account 1MGDYB3 Guaranteed Interest Account |
| Franklin 1FIFRX Franklin Growth R6 3 ,333,992 |
| Vanguard 1VIGAX Vanguard Growth Index Adm 2 ,402,629 |
| American Funds 1RLBGX American Funds American Balanced R6 |
| American Funds 1RFUTX American Funds 2060 Trgt Date Retire R6 |
| American Funds 1RFGTX American Funds 2040 Trgt Date Retire R6 |
| American Funds 1RFKTX American Funds 2055 Trgt Date Retire R6 |
| Vanguard 1VBIAX Vanguard Balanced Index Adm 2 ,014,936 |
| American Funds 1RFITX American Funds 2050 Trgt Date Retire R6 |
| Dodge & Cox 1DODGX Dodge & Cox Stock – I 1 ,791,362 |
| American Funds 1RFFTX American Funds 2035 Trgt Date Retire R6 |
| American Funds 1RFHTX American Funds 2045 Trgt Date Retire R6 |
| Vanguard 1VSMGX Vanguard LifeStrategy Moderate Growth |
| American Funds 1RLLGX American Funds SMALLCAP World R6 |
| Vanguard 1VIMAX Vanguard Mid Cap Index Fund – Admiral 1 ,069,391 |
| American Funds 1RFETX American Funds 2030 Trgt Date Retire R6 |
| Dimensional Fund Advisors 1DGEIX DFA Global Equity I 8 |
| Vanguard 1VASGX Vanguard LifeStrategy Growth Inv 9 |
| American Funds 1RBFGX American Funds Bond Fund of Amer R6 1 ,035,044 |
| Vanguard 1VIPIX Vanguard Inflation-Protected Secs I 9 |
| American Funds 1RFDTX American Funds 2025 Trgt Date Retire R6 |
| Vanguard 1VTMGX Vanguard Developed Markets Index Admiral 6 |
| Vanguard 1VSMAX Vanguard Small Cap Index Adm 6 |
| MassMutual 1MSCDX MassMutual Small Cap Opportunities R5 |
| American Funds 1RRCTX American Funds 2020 Trgt Date Retire R6 6 |
| Vanguard 1VSCGX Vanguard LifeStrategy Cnsrv Gr Inv 5 |
| BlackRock 1BRHYX BlackRock High Yield Bond Portfolio K 4 |
| BlackRock 1BMGKX BlackRock Mid-Cap Growth Equity K |
| Cohen & Steers 1CSRIX Cohen & Steers Instl Realty Shares |
| American Funds 1RFJTX American Funds 2015 Trgt Date Retire R6 10,718 |
| American Funds 1RFTTX American Funds 2010 Trgt Date Retire R6 10,372 |
| Notes receivable from participants 4.25% – 9.50% maturing between Jan. 2025 and Nov. 2032 |
| 1BMGKX 317,048.11 |
| 1BRHYX 456,568.02 |
| 1CPSSTK 672,313.75 |
| 1CSRIX 129,049.59 |
| 1DGEIX 893,902.87 |
| 1DODGX 1,791,362.17 |
| 1FIFRX 3,333,992.41 |
| 1MSCDX 636,761.34 |
| 1RBFGX 1,035,043.52 |
| 1RFDTX 798,619.28 |
| 1RFETX 1,172,493.01 |
| 1RFFTX 1,782,888.14 |
| 1RFGTX 2,201,306.39 |
| 1RFHTX 1,758,892.16 |
| 1RFITX 1,877,102.47 |
| 1RFJTX 10,718.09 |
| 1RFKTX 2,056,439.27 |
| 1RFTTX 10,368.81 |
| 1RFUTX 2,182,643.17 |
| 1RLBGX 3,134,570.10 |
| 1RLLGX 1,218,247.49 |
| 1RRCTX 610,889.11 |
| 1VASGX 911,440.88 |
| 1VBIAX 2,014,935.67 |
| 1VFIAX 8,841,690.04 |
| 1VIGAX 2,402,629.06 |
| 1VIMAX 1,069,390.82 |
| 1VIPIX 907,526.62 |
| 1VSCGX 570,422.48 |
| 1VSMAX 613,502.13 |
| 1VSMGX 1,615,998.66 |
| 1VTMGX 688,236.42 |
| 1MGDYB3 3.000 5,063,883.21 |
| FORFEITURES 4,717.45 |
Investment model portfolios
We provide two types of investment model portfolios for CONSUMER PORTFOLIO SERVICES, INC. 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 CONSUMER PORTFOLIO SERVICES, INC. 401(K) PLAN