Investment options of STAGNARO DISTRIBUTING 401(K) PLAN
Total Available Funds: 23
| Investment Description |
|---|
| Columbia Dividend Opportunity Fund 12,414 |
| JP Morgan Large Cap Growth Fund 5,012 |
| MFS International Growth Fund 8,385 |
| Prudential Jennison Mid Cap Growth Fund 7,030 |
| Victory Integrity Small Cap Value Fund 4,742 |
| Victory Sycamore Established Value Fund 2,992 |
| Principal LifeTime Hybrid 2020 Fund 5,922 |
| Principal LifeTime Hybrid 2025 Fund 36,125 |
| Principal LifeTime Hybrid 2030 Fund 19,883 |
| Principal LifeTime Hybrid 2035 Fund 40,952 |
| Principal LifeTime Hybrid 2040 Fund 23,889 |
| Principal LifeTime Hybrid 2045 Fund 19,434 |
| Principal LifeTime Hybrid 2050 Fund 7,251 |
| Principal LifeTime Hybrid 2055 Fund 9,301 |
| Principal LifeTime Hybrid 2060 Fund 6,711 |
| Principal LifeTime Hybrid 2065 Fund 2,828 |
| Principal LifeTime Hybrid 2070 Fund 668 |
| Principal LifeTime Hybrid Income Fund 1,786 |
| Principal International Equity Index 19,800 |
| Principal LargeCap S&P 500 Index 1,410 |
| Principal MidCap S&P 400 Index 2,028 |
| Principal SmallCap S&P 600 Index 1,878 |
| Principal Fixed Income Guaranteed Option |
Investment model portfolios
We provide two types of investment model portfolios for STAGNARO DISTRIBUTING 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 STAGNARO DISTRIBUTING 401(K) PLAN