Investment options of OMNI SAVINGS PLAN AND TRUST
Total Available Funds: 20
| Investment Option List |
|---|
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2015 W – SERIES T |
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2020 W – SERIES T |
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2025 W – SERIES T |
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2030 W – SERIES T |
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2035 W – SERIES T |
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2040 W – SERIES T |
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2045 W – SERIES T |
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2050 W – SERIES T |
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2055 W – SERIES T |
| ALLIANCEBERNSTEIN MULTI-MGR RET TRST 2060 W – SERIES T |
| FEDERATED HERMES CAPITAL PRESERVATION FUND ISP (HIEIX) |
| ALLIANCEBERNSTEIN GLOBAL BOND Z (ABGYX) |
| ALLIANCEBERNSTEIN HIGH INCOME Z (XAWFX) |
| FIDELITY 500 INDEX (FUSEX) |
| FIDELITY EXTENDED MARKET INDEX (FSEMX) |
| FIDELITY GLOBAL EX US INDEX |
| FIDELITY INFLATION PROTECTED BOND INDEX (FINPX) |
| FIEDLITY US BOND INDEX |
| PGIM TOTAL RETURN BOND R6 (PAIWX) |
| COMPANY OF AMERICA KEY GUARANTEED PORTFOLIO FUND |
Investment model portfolios
We provide two types of investment model portfolios for OMNI SAVINGS PLAN AND TRUST 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 OMNI SAVINGS PLAN AND TRUST