Investment options of NUSTEP LLC 401(K) SAVINGS PLAN
Total Available Funds: 28
| Investment Description |
|---|
| Fidelity Management & Advisor Strategic Income I Fund N/R |
| Vanguard Inflation-Protected Security Admiral N/R |
| Vanguard 500 Index Admiral Fund N/R |
| T. Rowe Price Inst MidCap Equity Growth Fund N/R |
| T. Rowe Price QM US SC Growth Equity I Fund N/R |
| Capital Research and Mgmt Co American Funds EuroPacific Growth N/R |
| MFS Investment Management Intl Intrinsic Value R3 Fund N/R |
| Fidelity Management & International Index Fund N/R |
| New World New World Fund Inc N/R |
| Dimensional Fund Advisors US Vector Equity N/R |
| Fidelity Large Cap Growth Index Fund N/R |
| Schwab US Large Company Index Fund N/R |
| Principal Global Investors Diversified Real Asset Separate N/R |
| Principal Global Investors MidCap S&P 400 Index Separate N/R |
| Principal Global Investors SmallCap Value II Separate Account N/R |
| Principal Global Investors SmallCap S&P 600 Index Separate N/R |
| Principal Global Investors LifeTime Hybrid Income CIT N/R |
| Principal Global Investors LifeTime Hybrid 2015 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2020 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2025 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2030 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2035 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2040 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2045 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2050 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2055 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2060 CIT N/R |
| Principal Global Investors LifeTime Hybrid 2065 CIT N/R |
Investment model portfolios
We provide two types of investment model portfolios for NUSTEP LLC 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 NUSTEP LLC 401(K) SAVINGS PLAN