Investment options of CUSTOMINK, LLC 401(K) SAVINGS PLAN
Total Available Funds: 57
| Investment Description |
|---|
| American Funds 2020 Target Date Retirement Registered Investment Company $ – |
| American Funds 2030 Target Date Retirement Registered Investment Company – |
| American Funds 2040 Target Date Retirement Registered Investment Company – |
| American Funds 2050 Target Date Retirement Registered Investment Company – |
| American Funds 2060 Target Date Retirement Registered Investment Company – |
| American Funds New World Registered Investment Company – |
| Fidelity 500 Index Registered Investment Company – |
| Fidelity Advisor International Growth Registered Investment Company – |
| Fidelity Contrafund Registered Investment Company – |
| Fidelity Inflation Protected Bond Registered Investment Company – |
| Fidelity Small-Cap Index Institutional Premium Registered Investment Company – |
| Fidelity FTSE Social Index Registered Investment Company – |
| Fidelity Mid-Cap Index Registered Investment Company – |
| JP Morgan Large Cap Growth Registered Investment Company – |
| MFS Conservative Allocation Registered Investment Company – |
| MFS Growth Allocation Registered Investment Company – |
| MFS International Value Registered Investment Company – |
| MFS Mid-Cap Value Registered Investment Company – |
| MFS Moderate Allocation Registered Investment Company – |
| MFS International Growth Registered Investment Company – |
| PGIM High Yield Registered Investment Company – |
| T. Rowe Price New Horizons Registered Investment Company – |
| T. Rowe Price Value Registered Investment Company – |
| Vanguard Equity-Income Registered Investment Company – |
| Vanguard Growth and Income Registered Investment Company – |
| Vanguard Growth Index Registered Investment Company – |
| Vanguard Mid-Cap Growth Registered Investment Company $ – |
| Vanguard Short-Term Investment-Grade Registered Investment Company – |
| Victory Sycamore Small Company Opportunity Registered Investment Company – |
| American Funds AF 2020 Target Date Retire R6 |
| American Funds AF 2030 Target Date Retire R6 |
| American Funds AF 2040 Target Date Retire R6 |
| American Funds AF 2050 Target Date Retire R6 |
| American Funds AF 2060 Target Date Retire R6 |
| American Funds New World Fund R6 |
| Fidelity Advisor Int'l Growth Cl Z |
| Fidelity 500 Index |
| Fidelity Small Cap Index |
| Fidelity Contrafund |
| Fidelity Inflat-Protected Bond Index Premium |
| Fidelity Mid Cap Index |
| JP Morgan JP Morgan Large Cap Growth Cl R6 |
| MFS Mid Cap Value R4 |
| MFS Growth Allocation R4 |
| MFS International Growth R4 |
| MFS Conservative Allocation R4 |
| MFS Intl Intrinsic Value R4 |
| MFS Moderate Allocation R4 |
| T Rowe Price T Rowe Price New Horizons Fund |
| T Rowe Price T Rowe Price Value |
| Vanguard FTSE Social Index Adm |
| Vanguard Growth & IncomeAdm |
| Vanguard Equity Income Adm |
| Vanguard Mid Cap Growth Index Adm |
| Vanguard Growth Index Adm |
| Vanguard Short Term Invesment Grade Adm |
| Victory Victory Sycamore Small Co. Opportunity I |
Investment model portfolios
We provide two types of investment model portfolios for CUSTOMINK, LLC 401(K) SAVINGS 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 CUSTOMINK, LLC 401(K) SAVINGS PLAN