Investment options of Merrick Industries Inc. 401K Plan
Total Available Funds: 25
| Investment Option List |
|---|
| Harbor Harbor Intl Core Ret a |
| Carillon Reams CRLN R Core Bond I a (CRCBX) |
| PGIM PGIM J Mid-Cap Gr R6 a (PEGEX) |
| The Hartford HTFD Div & Grth R6 a |
| Victory Vict Govt Sec Inst a |
| American Funds AF Target Date 2010 R6 a (REATX) |
| American Funds AF Target Date 2020 R6 a (RECTX) |
| American Funds AF Target Date 2030 R6 a (REETX) |
| American Funds AF Target Date 2040 R6 a (REGTX) |
| American Funds AF Target Date 2050 R6 a (REITX) |
| American Funds AF Target Date 2015 R6 a (REJTX) |
| American Funds AF Target Date 2025 R6 a (REDTX) |
| American Funds AF Target Date 2035 R6 a (REFTX) |
| American Funds AF Target Date 2045 R6 a (REHTX) |
| American Funds AF Target Date 2055 R6 a (FAJTX) |
| American Century AM Cent Sm Cap Val R6 a |
| American Funds AF Target Date 2060 R6 a (CCKTX) |
| Allspring AS Spl Mid Cp Val R6 a |
| JPMorgan JPM Lg Cap Growth R6 a (SEEGX) |
| Fidelity FID Government Mmkt a (FFXSX) |
| Fidelity FID Small Cap Gr I a (FSISX) |
| Fidelity FID 500 Index a (FUSEX) |
| Fidelity FID Mid Cap Idx a (FIIMX) |
| Fidelity FID Sm Cap Idx a |
| Fidelity FA Emerging Mkts Z a |
Investment model portfolios
We provide two types of investment model portfolios for Merrick Industries Inc. 401K 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 Merrick Industries Inc. 401K Plan