Investment options of LONGYEAR 401(K) PROFIT SHARING PLAN
Total Available Funds: 45
| Investment Description |
|---|
| American Funds American Balanced Fund |
| Fidelity Fidelity 500 Index Fund |
| Fidelity Fidelity Puritan Fund |
| JP Morgan JP Morgan U. S. Equity Fund |
| Vanguard Vanguard Target Retirement 2025 Fund |
| Vanguard Vanguard Target Retirement 2050 Fund |
| Vanguard Vanguard Target Retirement 2045 Fund |
| Vanguard Vanguard Target Retirement 2055 Fund |
| Fidelity Fidelity Asset Manager 40% Fund |
| Vanguard Vanguard Small Cap Value Index Fund |
| JP Morgan JP Morgan Large Cap Growth Fund |
| Vanguard Vanguard Target Retirement 2030 Fund |
| Vanguard Vanguard Target Retirement 2035 Fund |
| Pimco Pimco Diversified Income Fund |
| Vanguard Vanguard Target Retirement 2040 Fund |
| Vanguard Vanguard Target Retirement 2020 Fund |
| American Century American Century Mid Cap Value Index Fund |
| Vanguard Vanguard Target Retirement 2060 Fund |
| iShares iShares Russell Mid-Cap Index Fund |
| Western Western Asset Core Plus Bond Fund |
| BlackRock BlackRock Health Sciences Opportunities Portfolio Fund |
| Fidelity Fidelity Large Cap Growth Index Fund |
| Vanguard Vanguard International Growth Fund |
| Fidelity Fidelity Balanced Fund |
| Fidelity Fidelity International Index Fund |
| Fidelity Fidelity Large Cap Value Index Fund |
| Metropolitan Metropolitan West Total Return Bond Fund |
| PGIM PGIM High Yield Fund |
| PGIM PGIM Global Total Return Fund |
| BlackRock BlackRock Mid Cap Growth Equity Fund |
| Franklin Franklin Utilities Fund |
| American American Funds New World Fund |
| DFA DFA Real Estate Securities Portfolio Fund |
| DFA DFA Inflation-Protected Securities Portfolio Institutional Class |
| Fidelity Fidelity Small Cap Index Fund |
| Vanguard Vanguard Diversified Market Index Fund |
| PGIM PGIM Total Return Bond Fund |
| JPMorgan JPMorgan Small Cap Growth Index Fund |
| Vanguard Vanguard Target Retirement Income Fund |
| DFA DFA Commodity Strategy Portfolio Fund |
| JPMorgan JP Morgan Equity Income Fund |
| Vanguard Vanguard Energy Fund |
| Vanguard Vanguard Real Estate Index Fund |
| American American Funds Capital World Bond Fund |
| iShares iShares Russell Small/Mid-Cap Index Fund |
Investment model portfolios
We provide two types of investment model portfolios for LONGYEAR 401(K) PROFIT SHARING 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 LONGYEAR 401(K) PROFIT SHARING PLAN