Investment options of MACI ASSOCIATES 401(K) SAVINGS PLAN
Total Available Funds: 22
| Investment Option List |
|---|
| American Funds American Mutual (FFFMX) |
| American Funds Bond Fund of America (FBOFX) |
| American Funds Income Fund of America (FFIFX) |
| American Funds New Perspective (FFPNX) |
| American Funds New World (HVWBX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Mid Cap Index (FIIMX) |
| Fidelity Small Cap Index (FSISX) |
| Vanguard Developed Market Index Admiral Share (VDMIX) |
| Great Gray FlexPATH Index Aggressive 2035 Fund Class M |
| Great Gray FlexPATH Index Aggressive 2045 Fund Class M |
| Great Gray FlexPATH Index Aggressive 2055 Fund Class M |
| Great Gray FlexPATH Index Aggressive 2065 Fund Class M |
| Great Gray FlexPATH Index Conservative 2035 Class M (MXGLX) |
| Great Gray FlexPATH Index Moderate 2045 Fund Class M |
| Great Gray FlexPATH Index Moderate 2065 Fund Class M |
| Great Gray FlexPATH Index Moderate 2035 Class M |
| Great Gray FlexPATH Index Moderate 2055 Fund Class M |
| Great Gray FlexPATH Index Moderate Retirement |
| Great Gray International Growth Fund II Class I1 (MXIGX) |
| Great Gray Small Cap Growth L1 (MXMSX) |
| Great Gray Small Cap Value Fund III CL I1 (MXLSX) |
Investment model portfolios
We provide two types of investment model portfolios for MACI ASSOCIATES 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 MACI ASSOCIATES 401(K) SAVINGS PLAN