Investment options of SUMMIT ADVISOR SERVICES LLC EMPLOYEE 401K PLAN
Total Available Funds: 28
| Investment Description |
|---|
| BLACKROCK GLBL ALLOCATION INST |
| VAN TARGET RETIRE 2055 |
| TRO SPECTRUM MOD GRTH ALLOC |
| VAN TARGET RETIRE 2040 |
| VANGUARD EMG MKTS STK IDX ADM |
| VAN TARGET RETIRE 2030 |
| VANGUARD DEV MKT INDEX ADMIRAL |
| AMC DIVERSIFIED BOND – R6 |
| VAN TARGET RETIRE 2025 |
| VAN TARGET RETIRE 2020 |
| VANGUARD TOT BND MKT IND- ADM |
| VANGUARD SMALL CAP INDEX ADMRL |
| DFA US LARGE CO FUND I |
| TRO SPECTRUM MOD ALLOC |
| PIMCO INCOME FUND – INSTL |
| VAN FTSE AW EX US SMCPIN ADM |
| VAN INFL PROTECTED SEC – ADMR |
| VAN TARGET RETIRE INC |
| VAN TARGET RETIRE 2050 |
| VAN TARGET RETIRE 2035 |
| VANGUARD SHORT TERM INV GR ADM |
| VANGUARD FEDERAL MM INV |
| TRP SPECTRUM CONSERV ALLOC |
| VANG TOT STK MKT IDX – ADMIRAL |
| VAN TARG RETIRE 2060 |
| VANGUARD MID CAP INDEX – ADM |
| AB GLOBAL BOND Z |
| VAN TARGET RETIRE 2045 |
Investment model portfolios
We provide two types of investment model portfolios for SUMMIT ADVISOR SERVICES LLC EMPLOYEE 401K 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 SUMMIT ADVISOR SERVICES LLC EMPLOYEE 401K PLAN