Investment options of STANTEC 401(K) PLAN
Total Available Funds: 21
| Investment Description |
|---|
| AMERICAN BEACON LARGE CP INSTL MUTUAL FUND |
| BLACKROCK GLOBAL ALLOC I MUTUAL FUND |
| CALVERT MODERATE ALLOC CL I MUTUAL FUND |
| CALVERT US LRG CP CORE RESPN I MUTUAL FUND |
| DODGE & COX INCOME MUTUAL FUND |
| DODGE & COX INTERNATIONAL ST MUTUAL FUND |
| DWS RREEF REAL ESTATE SEC INSTL MUTUAL FUND |
| INVESTSCO DEVELOPING MKTS MUTUAL FUND |
| JP MORGAN MID CAP VALUE CL L MUTUAL FUND |
| PIMCO ALL ASSET FUND MUTUAL FUND |
| PIMCO HIGH YIELD INST MUTUAL FUND |
| T ROWE PRICE MID CAP GROWTH I MUTUAL FUND |
| VANGUARD DEVELOPED MRKTS INSTL MUTUAL FUND |
| VANGUARD INST INDEX PLUS MUTUAL FUND |
| VANGUARD SMALL CAP GROWTH INSTL MUTUAL FUND |
| VANGUARD SMALL CAP VAL INSTL MUTUAL FUND |
| VANGUARD SHORT TERM INFLATION ADM MUTUAL FUND |
| BLF MONEY FUND MONEY MARKET |
| GALLIARD STABLE RETURN FUND WELLS FARGO BANK, N. A. COLLECTIVE INVESTMENT FUND |
| STATE STREET GLOBAL ADVISORS TRUST COMPANY INVESTMENT FUNDS FOR TAX EXEMPT RETIREMENT PLANS |
| HARBOR CAPITAL APPREC CIT 4 HARBOR COLLECTIVE INVESTMENT TRUST |
Investment model portfolios
We provide two types of investment model portfolios for STANTEC 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 STANTEC 401(K) PLAN