Investment options of MORITZ 401K PLAN
Total Available Funds: 25
| Investment Description |
|---|
| MFS Mid Cap Growth R6 |
| Oakmark International I |
| Fidelity International Index |
| Fidelity Small Cap Value |
| Fidelity Small Cap Index Fund |
| Fidelity Mid Cap Index Fund |
| Fidelity 500 Index Fund |
| JP Morgan Smart Retirement 2020 Select |
| JP Morgan Smart Retirement 2025 Select |
| JP Morgan Smart Retirement 2030 Select |
| JP Morgan Smart Retirement 2035 Select |
| JP Morgan Smart Retirement 2040 Select |
| JP Morgan Smart Retirement 2045 Select |
| JP Morgan Smart Retirement 2050 Select |
| JP Morgan Smart Retirement 2055 Select |
| JP Morgan Smart Retirement 2060 Select |
| JP Morgan Smart Retirement Income Select |
| Janus Triton Fund Class T |
| Fidelity U.S. Bond Index |
| PIMCO Real Return Fund Institutional Class |
| Yacktman Fund Service Class |
| T. Rowe Price Mid Cap Value I |
| Fidelity Contrafund |
| Fidelity Managed Income Portfolio Class 1 |
| maturing through December 2033 |
Investment model portfolios
We provide two types of investment model portfolios for MORITZ 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 MORITZ 401K PLAN