Investment options of ESKER, INC. 401(K) SAVINGS PLAN
Total Available Funds: 33
| Investment Option List |
|---|
| MFS Mid Cap Value FD N/R (MCVIX) |
| Lord Abbett Sht Duration Income N/R (LLDYX) |
| Blackrock Global Alloc N/R |
| Alger Alger Capital Appreciation N/R (ALARX) |
| First Eagle First Eagle Overseas Fund N/R (SGOIX) |
| Parnassus Parnassus Endeavor Fund N/R (PARWX) |
| Columbia Small Cap Index FD N/R (CMSCX) |
| Clearbridge Clearbridge Small Cap Grth N/R (SBPYX) |
| JPMorgan Government Bond N/R (HLGAX) |
| Invesco Diversified DIV FD N/R |
| Invesco Discovery MD CP N/R |
| Victory Victory Sycamore Small Comp N/R (VSOIX) |
| Blackrock High YLD N/R (DLTBX) |
| IShares IShares S&P 500 Index Fund N/R (BSPPX) |
| IShares IShares MSCI EAFE International Idx N/R (BTMPX) |
| Blackrock Inflation Protected Bond Fund N/R (BPRIX) |
| MFS International Value Fund N/R (MINIX) |
| Invesco Developing Markets Fund N/R (GTDIX) |
| Fidelity Freedom Index 2065 Fund N/R (FAXDX) |
| Fidelity Freedom Index 2035 Fund N/R (FFTHX) |
| Fidelity Freedom Index 2040 Fund N/R (FFFFX) |
| Transamerica Multimanaged N/R |
| Fidelity Freedom Index 2055 Fund N/R (FDEWX) |
| Fidelity Freedom Index 2025 Fund N/R (FFTWX) |
| Fidelity Freedom Index 2060 Fund N/R (FDKNX) |
| Fidelity Freedom Index 2045 Fund N/R (FFFGX) |
| Fidelity Freedom Index 2050 Fund N/R (FFFHX) |
| American New World American New World Fund R5 N/R (HVWBX) |
| Fidelity US Bond Index Fund N/R |
| Fidelity Freedom Index 2020 FD N/R (FFFDX) |
| Fidelity Adv Intl Cap Apprec N/R |
| INVESCO STABLE VAL RET CL 5 GM COMMON / COLLECTIVE TRUSTS |
| PENDING SETTLEMENT FUND PENDING SETTLEMENT FUNDS |
Investment model portfolios
We provide two types of investment model portfolios for ESKER, INC. 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 ESKER, INC. 401(K) SAVINGS PLAN