Investment options of MSC DEVELOPMENT, INC. 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| American Century MidCap Value Fund R6 |
| American Funds Growth Fund of America R6 |
| American Funds Euro Pacific Growth R6 |
| AQR Emerging Multi-Style II R6 |
| Charles Schwab Schwab Value Advantage Money Fund |
| Congress MidCap Growth Fund Institutional |
| DDU Busey Aggressive Managed Portfolio |
| DDU Busey Balanced Managed Portfolio |
| DDU Busey Growth Managed Portfolio |
| DFA U.S. Targeted Value Portfolio Institutional |
| Dodge & Cox International Stock Fund Class I |
| Dodge & Cox Stock Fund Class I |
| Doubleline Core Fixed Income Fund Class I |
| T. Rowe Price Associates, Inc. Retirement 2015 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2020 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2025 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2030 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2035 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2040 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2045 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2050 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2055 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2060 I Fund |
| T. Rowe Price Associates, Inc. Retirement 2065 I Fund |
| Vanguard MidCap Index Fund Admiral Fund |
| Vanguard SmallCap Index Admiral Fund |
| Vanguard 500 Index Admiral Fund |
| Notes receivable from participants 4.25%-9.50% |
Investment model portfolios
We provide two types of investment model portfolios for MSC DEVELOPMENT, INC. 401(K) 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 MSC DEVELOPMENT, INC. 401(K) PLAN