Investment options of SYMPLR 401(K) PLAN AND TRUST
Total Available Funds: 26
| Investment Description |
|---|
| Vanguard Target Retirement 2045 Fund N/A |
| Vanguard Target Retirement 2055 Fund N/A |
| Vanguard Target Retirement 2035 Fund N/A |
| Vanguard Target Retirement 2025 Fund N/A |
| AB AB Large Cap Growth Fund Inc N/A |
| Carillon Eagle Carillon Eagle Mid Cap Growth R6 Fund N/A |
| MFS Value R6 Fund N/A |
| JP Morgan JP Morgan Small Cap Growth R6 Fund N/A |
| Vanguard Target Retirement 2020 Fund N/A |
| Vanguard Target Retirement Income Fund N/A |
| Allspring Allspring Special Mid Cap Value Fund N/A |
| MFS New Discovery Value R6 Fund N/A |
| American Century Emerging Markets R6 Fund N/A |
| MFS Institutional International Equity Fund N/A |
| Vanguard Target Retirement 2065 Fund N/A |
| American Century High Income Fund N/A |
| Vanguard Target Retirement 2070 Fund N/A |
| Vanguard Target Retirement 2050 Fund N/A |
| Vanguard Target Retirement 2040 Fund N/A |
| Vanguard Target Retirement 2060 Fund N/A |
| Vanguard Target Retirement 2030 Fund N/A |
| BlackRock Equity Index Fund Class 1 N/A |
| BlackRock Mid Cap Equity Index Class R Fund N/A |
| BlackRock EAFE Equity Index Fund Class 1 N/A |
| BlackRock Russell 2000 Index Class R Fund N/A |
| BlackRock US Debt Index Fund Class 1 N/A |
Investment model portfolios
We provide two types of investment model portfolios for SYMPLR 401(K) 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 SYMPLR 401(K) PLAN AND TRUST