Investment options of STAMBAUGH NESS 401(K) PLAN
Total Available Funds: 24
| Investment Description |
|---|
| American Funds Service Company Target Date Retirement 2010 R6 Fund |
| American Funds Service Company Target Date Retirement 2015 R6 Fund |
| American Funds Service Company Target Date Retirement 2020 R6 Fund |
| American Funds Service Company Target Date Retirement 2025 R6 Fund |
| American Funds Service Company Target Date Retirement 2030 R6 Fund |
| American Funds Service Company Target Date Retirement 2035 R6 Fund |
| American Funds Service Company Target Date Retirement 2040 R6 Fund |
| American Funds Service Company Target Date Retirement 2045 R6 Fund |
| American Funds Service Company Target Date Retirement 2050 R6 Fund |
| American Funds Service Company Target Date Retirement 2055 R6 Fund |
| American Funds Service Company Target Date Retirement 2060 R6 Fund |
| American Funds Service Company Target Date Retirement 2065 R6 Fund |
| American Funds Service Company Inflation Linked Bond R6 Fund |
| The American Funds Newworld R6 Fund |
| ClearBridge Investments Small Cap Growth IS Fund |
| Great Gray Trust Company Core Bond R1 Fund |
| Janus International Holding, Llc Janus Henderson Enterprise N Fund |
| JP Morgan Large Cap Growth R65 Fund |
| Great Gray Trust Company Large-Cap Value II Fund |
| Great Gray Trust Company Mid-Cap Value R1 Fund |
| Macquarie Group Small Cap Value R6 Fund |
| PGIM Investments High Yield R6 Fund |
| PIMCO Funds Commodity Real Return Strategy Fund |
| PIMCO Funds Income Institutional Fund |
Investment model portfolios
We provide two types of investment model portfolios for STAMBAUGH NESS 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 STAMBAUGH NESS 401(K) PLAN